I agree with Attorney Lundeen. The chiropractor didn't treat you for free. He rendered services and expects payment. The insurance has paid you money for his treatment so they've fulfilled their obligation to pay your medical expenses. You can do whatever you like with the check the insurer sent you, but you owe the chiropractor.
Not legal advice as I don't practice law in California. It's just my two cents on the facts you describe in light of general principles of law. If you need legal advice, please consult a lawyer who holds California licensure.
The medical provider has provided services to you. You are legally obligated to pay the medical provider for the services that were provided to you. The chiroptactor may well bring a suit against you in court. Would you walk into a store and steal something off the shelf? I hope your answer is no. The only difference here is that you have stolen a service, and the funds intended to pay for it. Before you click the thumbs down below because you do not like my answer, how would you feel if you had spent years in college in order to obtain a degree and license to practice chiropractic services, you had student loans to pay back, and you spent thousands of dollars to buy office equipment and to set up an office, and then your patient who you treated stole your services and the insurance money?
Yes. You are responsible for these bills and can be sued by the Chiropractor for not paying it.
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