<prompt> Human: In February 2015 I got an allergy test since Ive struggled with allergies all my life but hadnt been tested in 20 years. Before going I confirmed with my insurance company that the test was covered. Fast forward to March 2017. Got a bill in the mail for 484 for this procedure, dated February 2015. WTF? This was years ago and Im not even on this insurance anymore. Gave them a call and they literally said We went through our records and changed our mind on that procedure - you werent fully covered. I was out of the country for the first few months of the year so by the time I returned the late bill had already been sent to a collections agency since they or the hospitals billing department had never even bothered to call me. Not only that, but the amount the insurance company is charging is outrageous: Pulmonary Function Spirometry Test CPT 94010: 234 - national average is 36 Percutaneous Test CPT 95004 x33 pricks: 660 - national average is 6 per prick and theyre charging 20 per prick.Ive told the collections agency Im disputing the bill with my insurance company which means they dont move forward with it for a few months, so now I have to call Aetna back and formally dispute the charges. Whats the best way to do this? I feel like having a paper trail with my arguments is best, but doing this via mail will probably extend the process too long. Do I just call and complain and hope they lower it? And do I take the strategy of its unfair you changed my plan years later or your costs are astronomically above average?  <response>: rInsurancerlegaladvice 