<prompt> Human: Thanks in advance for taking this seriously, I am out of my elementinsurance through company and decent jobMy GF moved out and moved in with me about 2 months ago. She has taken responsibility for all her own billscept rent and has disconnected from her parents financially.The one outstanding thing was health insurance. She is 25 and is working 35 hours a week at a small local place30 people. When she moved out her parents assured us that she was under their insurance and it would remain that way until further notice.She moved out in May. She went to the doctor for OBGYN checkup in June. They never sent a bill and we show no record of calls. Now she has a letter for 1200 from a collection agency. BCBC says she hasnt been covered since February. Now her parents have lied and she had 1200 in debt and no insurance. I am a bit stumped.Bonus question: where is the best place to get a legit credit score? I am scared her parents did other shit without telling her?  <response>: This is super fishy. My doctors wont even bill me for a month after the appointment because thats how long it generally takes to go back and forth with insurance. Then I get a bill and the due date is generally a month after that. I generally have my HSA or FSA depending on the year and my insurance pay my doctor directly, and if the payment takes too long I get another bill extending the deadline.Theres no way a doctors office would send a bill to collections within a month of the visit. Also, an OBGYN checkup doesnt cost 1200. Ive seen my bills before and after insurance adjustment, and it just isnt that much for a regular checkup. I just looked up my last OBGYN visit including pap smear, finger prick, and pee-in-a-cup, and it was billed as 425. The insurance discount took it down to under 100, which was paid entirely by my insurance company. 