hi,

i know of a similar case... hospital bills not submitted to insurance until after 12 months....

in that case: insurance policy clearly states that if bill not submitted, neither insurance co or individual is responsible...

the insurance co advised the individual that they were *not* responsible for the bill...

certainly we act responsibly, but hospitals are businesses that sign contracts with insurance co and they need to conduct normal business to be paid.

hopefully your case will be settled so that you are not put in financial distress.

cu,
larryb