Yes he can. And if your account is sent to collection, they can file the info with credit reporting agencies and the info will be there for 7 years. If you have had any experience with insurance companies, you will find out that they have a disclaimer: confirmation of coverage does NOT guarantee payment. In some states, book accounts can be assessed 10% interest per year. No disclosure or written contract required.
Sounds to me like he s just giving it a try.
No. Your insurance will not pay after this long, and you made the terms clear. It s their mistake, so they can eat it. I got a bill for an ambulance 3 years after it happened, telling me that the insurance refused it initially. I found out that it was refused because the tech put down the wrong code, but I didn t know a thing about it until 3 years later. I send them documentation, and here they are 18 months later putting a hold on my tax refund (it was a city ambulance). I kept a record of the bill (which in your case may be all you need) and all documentation, phone calls, and the names of the people I spoke to--with dates. I WILL get my money back. A professional takes responsibility for his own mistakes, and you are on solid ground--let them know how juvenile their behavior is. For shame--expecting YOU to cover for THEM, especially since they don t have a legal leg to stand on because the statute of limitations has expired. YOU ask the next question: Why should YOU continue to go to them? If they don t cave in out of pure shame, put all this in writing and send it to them. And keep a copy--you may need it if they try to make credit trouble for you.
