I obtained medical care fully covered under my insurance plan. You, the insurer, made up insane reasons why you needed unavailable additional information to pay the claim. You, Hoag, dropped the ball. Now you, Hoag, have sold the $280 debt to a collection agency instead of collecting it from the insurer.
I pay my premiums and give you the card for a fucking reason. Do not trash my credit rating because some of you are dishonest and others of you are lazy.
On the phone: “We just bill the insurance and if it is rejected it is your responsibility.”
This after the nurse said that California law requires the insurer to pay.