Accident 2 years ago. I was paying Cobra for health insurance. I used a certain Physical Therapy co. b/c my health insurance approved them. They billed my Health Insurance who paid. Then after those sessions were exhaused the PT co. called me and said we heard you got a settlement, so pay us. They said they didn't get much from my health insurance so they wanted me to pay them instead. I explained that's not what we agreed to considering I paid co-pays and significant amount to cobra health insurance. They keep coming back to me, they reimbursed my past health insurance company. Isn't this illegal? Don't I have the right to use my health insurance? How do I properly tell them to leave me alone? I don't have extra money. Please help asap. thanks!