In December of 2011 I called my insurance company and told them that I needed a procedure and asked if it would be covered. They said that they would pay the full amount, so I had it done a few weeks later. Paid the copay, thought everything was fine.

A few months later I got a bill in the mail for about $400. I made a half-hearted attempt to talk to my insurer over the phone, the person I talked to said they'd look into it and call me back, but they never did. Shortly thereafter I graduated college and moved across the country for a new job.

Fast forward to this month, I find out that the account was sent to collections in December 2012. I get missed calls from unknown numbers occasionally, but I can't answer my phone during normal business hours and they don't leave voicemails.

Other than this embarrassing situation, my financial situation is pretty good. I've got 10k in a savings account so far from the job, credit score of 750ish, solid 401k, no other debt. The only account on my credit report is a credit card I got almost two years ago, never carried a balance, 100% on-time payments.

Questions:

Can I still bug my insurance about this? Do insurance companies pay collection agencies?

Should I be more concerned about my credit? As a general rule, I don't give out my SSN, but I don't remember if I put it on the hospital form or not (99.9% sure I left it blank like I always do, but there's still a chance). If they haven't put a derogatory mark on my report so far, do you think they still might?

Part of me thinks I should just take some money out of savings and pay it in full, but the injustice of paying something that they said would be covered still rankles. Do these agencies charge interest? Don't people usually negotiate for a lower balance if they are paying in cash?
user
Paid for medical procedure, insurance paid, got a bill in the mail, not clear how to
assistant
In December of 2011 I called my insurance company and told them that I needed a procedure and asked if it would be covered. They said that they would pay the full amount, so I had it done a few weeks later. Paid the copay, thought everything was fine.

A few months later I got a bill in the mail for about $400. I made a half-hearted attempt to talk to my insurer over the phone, the person I talked to said they'd look into it and call me back, but they never did. Shortly thereafter I graduated college and moved across the country for a new job.

Fast forward to this month, I find out that the account was sent to collections in December 2012. I get missed calls from unknown numbers occasionally, but I can't answer my phone during normal business hours and they don't leave voicemails.

Other than this embarrassing situation, my financial situation is pretty good. I've got 10k in a savings account so far from the job, credit score of 750ish, solid 401k, no other debt. The only account on my credit report is a credit card I got almost two years ago, never carried a balance, 100% on-time payments.

Questions:

Can I still bug my insurance about this? Do insurance companies pay collection agencies?

Should I be more concerned about my credit? As a general rule, I don't give out my SSN, but I don't remember if I put it on the hospital form or not (99.9% sure I left it blank like I always do, but there's still a chance). If they haven't put a derogatory mark on my report so far, do you think they still might?

Part of me thinks I should just take some money out of savings and pay it in full, but the injustice of paying something that they said would be covered still rankles. Do these agencies charge interest? Don't people usually negotiate for a lower balance if they are paying in cash?
user
Insurance company said they would pay the bill, now they are saying they don't know where
assistant