<prompt> Human: Earlier today I noticed that for the past 5 months, my wife has not been charged for her dental insurance premium. It was previously set up on recurring payments, and then just stopped. I have received no correspondence from the company. I called the company to ensure she was still enrolled. She is, and now that I identified the discrepancy, they want me to pay premiums for past five months. She has not used the dental insurance in that time.I can afford to pay it - and thats the course of action I am planning to take - but does anyone know if Im obligated to? Its odd to think of back-charging unused insurance.  <response>: If you are incorrectly billed, that doesnt mean you get to skip out on paying.Had you a 100,000 dental bill, would you want them to say Doesnt look like we charged you in the last few months, guess that means your insurance is cancelled for that time, too bad.If you would have wanted to be covered during the period in a worst case scenario, you have to accept that you owe them. Thats fair. 