I just received a medical equipment bill for my copay over two years ago. Per insurance company record (explanation of benefit), the claim was paid immediately at the time of order over two years ago. And I recall I gave the service provider my credit card for copay when ordering. Somehow this provider did not contact me for over two years but suddenly sent me a bill for copay. Note that I did not move in the past two years and my address has been no change. Since it is over two years already, it is pain in the ass to track my payment information (don't even remember which credit card I used). How do I handle this kind of late notice over two years? Is there a Statute of Limitations on bill?
In WA, a lawsuit based on a written agreement usually must be filed within 6 years. A lawsuit based on an agreement that is not written usually must be filed within 3 years.
Two years are less than either 3 or 6 years. So, the medical company appears to still have time to sue you.
Presumably, you were using the medical equipment or ordered it for someone you knew. you even received an explanation of benefit. It could have been just as easy for you to contact the company to make sure the bill was paid at the time as for the company to have contacted you.
This is not an issue that, had you timely knew about the unpaid bill, you could have your insurer covered most or all of the bill. The bill you are getting now is for your portion after your insurer had paid.
So, the only issue is whether you paid two years ago. If you believe you already paid, you need to get your payment information. Otherwise, you pay the bill or negotiate with the company for a lower amount.
You may be better off negotiating a lower payment especially if you are doing business with them in the future. They have a potential weakness in their case, but it is lawful to collect a 2 year old debt. You would be arguing that they waived the right to collect. They should be able to provide details on how this happened and what credit card was used. You may be able to get them to be reasonable by explaining what you explained above. They have a reputation to uphold so maybe a threat of a bad review would make them act nice.
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