Thanks jk for such a quick response. I assumed it was way too late for billing. Finances weren't really the issue...it just kind of hit me out of the blue. It was just the principle of the matter. Agreeing with your suggestion, I will probably pay it anyway so that I don't chance messing up a good credit report that I've worked hard to get and keep. Just seems strange that they delayed the billing just long enough for the insurance company to wipe the file, that's all. But anyway, thanks again. Have a great day!