I question why they sent the money to you if they did not have a license. Why did they cover it at all? If they could legally perform the work, you are legally obligated to pay the bill. Under no circumstances did you have a right to spend the money. It was the insurance company or physician's money. You should find out if they were licensed to perform the work in your town. If they were, you need to make arrangements to pay the bill, if not the money should be paid back to the insurance company. Call a local attorney for help if you can't get it worked out. They could file suit against you to recover the money. If they are not licensed, they would be crazy to do that though. Unsure in your state if they could file some type of criminal charge like theft of services or etc.
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