Interest Accrued on Bill Never Submitted to Insurance Co
(New York, New York, USA)
In July 2008 I received emergency medical services in the State of California after fainting and suffering a concussion. I was insured at the time, but did not have my insurance card on me at the time I received care. The bill from the hospital was sent to my correct address, I submitted a claim and it was paid. However, the bill from the doctor himself was sent to an old address (I have no idea why) so I never got it. Early last year I received a phone call from a collection agency stating that I owed around $690 for the initial debt as well as the interest that had accrued over the 3 years since I had been in the emergency room (and continues to accrue). I contacted my previous insurance company and they decided that since I was covered at the time they would cover $498 or the original $537 bill. The insurance company is now telling me that I am responsible for the interest that has accrued. I fail to see 1) how I am responsible for the interest on an underlying debt I wasn't responsible for in the first place, and 2) how this isn't in violation of California's laws against balance billing. Am I responsible to pay the remainder of the bill which is now basically just interest accrued or am I protected under California law?