<prompt> Human: TL:DR I incurred about 50k in emergency medical bills in the US. My European travel insurance has paid 15k and says thats all they will pay. Providers are chasing my family and me for remainder of the bills. What do I do next?Trying to obscure some details so Big Insurance cant track me downIm an American living in Europe for several years. My family is still in the US. When I was visiting, I had to have emergency surgery. I have fully paid up travel insurance taken out in the country I live in which specifically covers up to 1m in US medical treatment. I phoned before going to ER, described symptoms, they said go for it, it would be covered, send them the bills.I tried to avoid giving my family address, but ER needed ID and they took it from my drivers licence. I gave ER and hospital my European address and full details of travel insurance.Several months later, my family starts getting medical bills in dribs and drabs. 5k for imagining, 10k for anesthaeology, and so on. All different providers, no overall bill for surgery. I sent them to travel insurance, they said they were processing. Start to get chased for nonpayment, I phone providers and say its with insurance, they note it on the account and take it out of past due. I chase travel insurance.Repeat over a few months and several providers. I finally get one big statement from hospital group saying overall bill is about 50k, and 15k has been paid, so I owe the remaining 35k. I sent this to the travel insurance company, and they say theyre paying. They costed the procedure based on Congressional Budget Office figures, added 50 to those, and paid. In their minds, they have paid reasonable claims. They wrote to the hospital saying:Please also note that the insurer substantially disputes the debt and that any debt established to be due will be paid by the insurer not the policyholder... should you or your client choose to bring a claim against the policyholder, it will be vigorously defended by us at our cost.They also told me:It would, in our view, be a clear breach of the Fair Debt Collection Practices Act for the hospital to persue your family and you would be able to report them to the Federal Trade Commission... we have discharged the debt but dispute the amount billed.But my family and I are still getting past due statements. Im worried this could ruin my really good credit score in the US want the option to move back in future, that it could hurt family at my permanent address, that I genuinely owe the money. Insurance reassures me that providers will eventually back down, but Im not convinced seeing so many people go bankrupt from medical expenses tells me that they wont.What do I do? If I raided my retirement account, I could probably just about pay this, if thats whats necessary. But its frustrating because I paid for insurance to avoid doing just that, and intentionally got a policy that included a big chunk of US medical, just in case. Thanks in advance for any thoughts!  <response>: Your family is not on the hook for your medical bills; this would be true even if you didnt have any insurance at all and just ignored the bill. The only problem for your family is the annoyance of having to receive the letters from the providers and call you to tell them about it, but its not going to affect them financially at all. I would go along with the insurance companys advice and just be prepared to deal with this for some time. Id also suggest not interacting directly with the providers at all if you can avoid it; you dont want to slip up and admit to owing money that you dont actually owe, since this could make it harder for the insurance company to protect you if the providers ever decide to escalate this to court. 