First, call your state Capitol and get the main number for the Department of insurance reporting all parties, doctor, dentist and insurance companies. Provide any authorizations you have in writing from each provider. The dental may be under a different policy than the medical and each should have some arbitration remedy but trigger it with the governing agency for insurance in your state.
The bills will haunt you if you don't pay them and will end up on your credit report so long you will one day forget what they were. Legally as long as you pay every month, for as long as it takes, send a $10.00 check and save the cancelled checks. Don't do it online; make them stamp or sign the check to deposit. If you already own a home and never plan on buying another you don't pay anything, you will eventually be turned over to a credit agency. 1,2, 3 years later you have heard from 9-10 different collectors until one tells you they will settle with you for pennies on the dollar. You need to ask for it in writing and if they won't put it in writing that they will take it off your credit report then tell them no deal. The torment caused my some idiot is why they need to make a deal but if treatment was really needed and the service was performed, something should be paid. Always get it in writing what insurance will pay ahead of time. Emergency excluded obviously.
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