<prompt> Human: My wife received a 900 medical bill almost exactly a year after the service date. I know we are obligated to pay this bill, but its certainly frustrating to have it show up so long after the fact. This puts us in a tough spot because for two reasons. 1 We cannot use FSA money to settle this bill since our accounts renew on April 1st each year, allowing 60 days to settle any outstanding bills for the previous year. 2 Our plan allows us to rollover 500 each year. We would have made different FSA contributions for this current year had we had the opportunity to pay this bill in a timely manner.- Has anyone had a similar experience? - Is it worth explaining the situation above to the provider to try to negotiate a reduce the bill?- Is there any downside or risk to negotiating a lower bill with the provider?EDIT: Live in North Carolina  <response>: Check your local laws. For example, Texas has a law that requires them to bill within 11 months or they cannot collect on it more than you would have had to co-pay, and other restrictions.Id contact them and ask why it took so long to bill it? Id also contact your insurance company over it the one you were covered by at the time of service, if its something they might still be obliged to cover. 