<prompt> Human: So i just got a call from a collections agency saying I owe 6,400 for a emergency room visit while i was on vacation in Denver I live in NY. The visit was on 120614. I never received a bill from them. The collections agency says the bill was sent to my parents house, which was the address on my license, but I have not lived there since before then.I asked why didnt this go through my insurance. They collections agency said it wasnt their problem that a claim wasnt filed, and that the insurance most likely wont pay it now since it has been over a year. The problem is I switched jobs in January 2015. I called my insurance and asked about my old plan. Both plans were through Independent Health, but difference plans obviously due to different companies. They located it, but told me that there was nothing they could do because that plan doesnt exist anymoredont affiliate it, a claim was never filed, and its too far to go back and look anyways.I never received a bill. So I obviously i couldnt file a claim. So now what should have been a co-pay or something small, is a 6,400 bill in collections that will likely ruin my credit. There is no way I can pay that bill. Is there anything that I can do?? PLEASE HELP  <response>: At this point? You can negotiate a payment plan with the hospital. The ultimate responsibility for this problem is yours: you never followed up with the hospital despite knowing youd never received a bill. 