I had a pap smear done at a doctor's office and had insurance at the time of service. My insurance company told me that wrong codes were used for the claim and the doctor's office has to re-submit it using the right code in order for the claim to be processed and paid for. They said under the Affordable Care Act, pap smears are free of charge, no matter what kind of policy I have. I have been trying to contact the doctor's office about it for a year now, and they have turned me over to a collection agency in the meantime. What are my options?