Medical providers are not required to accept insurance. They are not required to submit the claim. Many of them do accept it and offer to submit the claim, but they are not responsible for doing so. If you did not follow up, then you are still responsible. You might be able to work through your insurance company to resolve this issue. If not, every state has a statute of limitations. You can Google it to find the one for your state. Usually, it is a written contract (they get some of the longest times, usually of 5 or 6 years).
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STATUTE OF LIMITATIONS FOR COLLECTION:
Open Account (credit card): 3 years
Written Contract: 6
Written Contract for Goods and Services: 3 years
Domestic Judgment (District Court): 20 years (renewable)
Domestic Judgment (County Court): 6 years (renewable)
Foreign Judgment: 6 years
Disclaimer: This answer does not constitute legal advice. I am admitted in the States of New York, New Jersey and Massachusetts only and make no attempt to opine on matters of law that are not relevant to those three States. This advice is based on general principles of law that may or may not relate to your specific situation. Facts and laws change and these possible changes will affect the advice provided here. Consult an attorney in your locale before you act on any of this advice. You should not rely on this advice alone and nothing in these communications creates an attorney client relationship.Ask a similar question
The statute of limitations doesn't prevent a creditor from suing you to collect on a debt. It is only a defense to a lawsuit, and you must actively claim it as a defense or you lose the right to it.
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