<prompt> Human: Hey PF,So, I have this hospital bill that is split up into two parts. One is roughly 500 Hospital Fee and the other is roughly 1200 Physician Fee for an ER visit. Roughly 1800 total to get prescribed anti-biotics.They are both now in collections and it has killed my great credit score.I gave the hospital my insurance info at the time and paid a 55 co-pay. The hospital is in-network. I confirmed about 6 month after when I got the first collection notice that it was not submitted to insurance. I called the collection companies there are two to explain the situation and the hospital to clear it up. The hospital stated that they made a mistake and would send the bill to my insurance over the phone unfortunately.It has now been around 18 months.I disputed the accounts giving additional info of what happened and the 1200 account was removed from both Transunion and Equifax but apparently the 500 one is valid to them no details were given.What are my methods of recourse for getting this last one off my credit report? Should I be dealing with the hospital at this point, or the collection agency? Is my argument that they never billed insurance even valid?Thanks for the help!  <response>: I had a similar situation. I wrote a strongly worded letter to the hospital, doctor and insurance company and CCd an attorney friend of mine at his office. It literally was taken care of 3 days later assuming thats when they received my letter. Im not saying your situation is exactly like mine, but if you think insurance should have paid for it, and they arent, I would start with trying the above. The difficulty in trying to resolve this over the phone is its impossible to get the insurance company and the hospital and you all on one call to hash it out : 