Pay half or pay nothing?

[Sinamenone]

What is the name of your state (only U.S. law)?MD

Good afternoon, June 2014 I was attending an outpatient rehab program in DC until last September, when i had surgery, but i planned to return soon. The staff is great & so are the services.
Last week i received a bill for $2,665, saying this was my portion after insurance. From my understanding, i was covered @ 100%. I phoned the clinic & they told me this was the cost i owe in co-pays after insurance. The lady went on to tell me about EOB this & EOB that.
I've been to many doctors & specialists & they ALWAYS collect their co-pay @ the time of service.
This clinic never asked me for a co-pay, ever
Every week i went they'd have a list of names on the board of those that owe a co-pay; my name was never on the board
Every month we'd get a monthly statement showing what we owed; mine always said $0.
Today i get a call saying they'll waive the full balance & I can make payments for a year to pay it off.
Should i accept this or should they excuse the entire bill so that i pay nothing, because i don't believe this is my fault?

 

[Zigner]

What is the name of your state (only U.S. law)?MD

Good afternoon, June 2014 I was attending an outpatient rehab program in DC until last September, when i had surgery, but i planned to return soon. The staff is great & so are the services.
Last week i received a bill for $2,665, saying this was my portion after insurance. From my understanding, i was covered @ 100%. I phoned the clinic & they told me this was the cost i owe in co-pays after insurance. The lady went on to tell me about EOB this & EOB that.
I've been to many doctors & specialists & they ALWAYS collect their co-pay @ the time of service.
This clinic never asked me for a co-pay, ever
Every week i went they'd have a list of names on the board of those that owe a co-pay; my name was never on the board
Every month we'd get a monthly statement showing what we owed; mine always said $0.
Today i get a call saying they'll waive the full balance & I can make payments for a year to pay it off.
Should i accept this or should they excuse the entire bill so that i pay nothing, because i don't believe this is my fault?

Review the EOB's and, if you legitimately owe the money, then you owe the money. It really is that simple. If they're offering to forgive half of it, then I'd jump at the offer.

 

[tranquility]

You've got to review all your EOB's. Period. They should explain what your co-pay is for each procedure. Usually, only the office visit co-pay is collected up front as that is the only amount known. Additional tests and procedures may each have a separate co-pay not covered by the office visit(s). And, all that is if you were covered 100%.