<prompt> Human: This was my first time getting health insurance and I didnt know anything about deductibles so I just took the cheapest one which I regret right now.A few years back I got sent to the ER due to an acute allergy reaction hives for the first time and got some benadryl and steroid shots.The hospital billed me TWICE, 800 and another 1000 dollars. WHY? I called my insurance and he told me one is for the doctors and one is for the hospitals. I just couldnt believe what Im hearing so I just ignored it - but this one side the 800 one wouldnt stop calling me about it and yes I just ignored it until one day I got a letter from a debt collector that it might ruin my credit score if I dont pay 30 days since the letter has been sent so Yes I gave in and paid the money they even added a few dollars but it didnt bother me so I paid it.I still have a 1000 dollars in debt, but nobody called me, I never received any letters although I did receive some notifications from the insurance company saying that this is not a bill. Now I got another letter from a different DebtCollector and tells me to pay the amount they even said that I can settle for 750 if I paid full. The reason why I havent paid this yet because I dont understand why I am getting billed TWICE. Should I pay this or talk to the hospital about it?edit paid the settlement already thanks for the advice  <response>: You didnt get billed twice. You got two separate bills. Theres a difference. Sounds like you legitimately owe this money, so you dont really have principle to stand on. Sorry dude, health care in America sucks. 