My wife underwent typical medical treatment during a pregnancy back in 2015. On 4 separate occasions she had lab work done at her OB's office that was sent to a third party vendor. The vendor went out of business in 2016 but failed to bill us or our insurance company for around $800 in charges. Their accounts were purchased by a collection agency this year and they have come calling. The collection agency says they have proof the claim was filed in a timely manner but the insurance company did not receive anything from this vendor. Their proof doesn't look like proof to us, nor the insurance company. Needless to say, the insurance company is denying the claims due to untimely filing. Additionally there is no proof that my wife consented to have the labs transferred to a third party. Had the vendor sent us a bill we would have made sure our insurance paid it, but since we didn't know about the charges before this month, we had no way of doing so. What recourse do we have?
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