If the bill is so late insurance won't pay, you are also not required to pay. Threaten to report them to your state if they don't cancel the bill. Next get yo

If the bill is so late insurance won't pay, you are also not required to pay. Threaten to report them to your state if they don't cancel the bill. Next get your credit report and file a dispute that that part of it is inaccurate. The vast majority of the time it just gets removed because the biller can not be bothered to submit the needed documentation. If they sent it to collections that's even better - just call the collection company and tell them it's wrong, and give them a long complex full explanation of why. They will drop the bill immediately - it's not worth their time to fight you.