<prompt> Human: I went to am urgent care over a year ago where they wanted me to take some basic tests. I told the doctor repeatedly that my insurance does not cover company Xs tests and to use a different company my insurance actually covers after agreeing to the tests. The reason I know that X isnt covered by my insurance is because the same doctors office used them a year prior and I got stuck with a 200 bill that my insurance wouldnt cover and X wouldnt drop, so I paid it. Ive been getting a letter in the mail almost every week with X trying to get me to pay 95 and the most recent one seemed to be saying they would send it to a collection agency if I didnt pay. I absolutely refuse to pay a cent of this bill because I told the doctor I didnt want it and because they have screwed me in the past. Should I call X and tell them I refuse to pay our continue ignoring them? My credit scores 800 so Im not to concerned with my credit taking a small hit.  <response>: 95 dollars is an insignificant amount compared to the credit score. I would bite the bullet and just pay and keep the good rating 