3 yrs ago ( Nov . 14 , 2009 ) I had emergency surgery on my hip due to a fall . It took 4 days before the surgery was done & in all that time no one informed me that the DR was NOT in the network . My primary ins . paid $ 15 , 293 & after a letter of appeal they sent an additional $ 14 , 703 . I then rec'd a bill with a balance due of $ 81 , 558 ( after some adjustments ) . My secondary ins . wouldn't pay anything & after 2 years & the help of the Attorney General's office they finally sent $ 29 , 698 in Dec 2012 . The DR rec'd $ 59 , 695 total leaving $ 51 , 561 balance . I sent a letter of hardship in Dec . & asked them to accept $ 59 , 695 as full payment . I also called & they said they'd call me after speaking to the DR . No calls or bills yet . How long should I wait for a bill & what can I do if they bill me that amount ?