Yep...I got an email last week for something for my daughter's birth...which 2 years ago. It was charged to an insurance I no longer have. I met deductible that year so everything was covered and it says I'm paying $0. They could lie about the some missing cost and I wouldn't know where to begin disputing it. If I don't successfully dispute it, it goes to collections and hurts my credit. Is my time worth disputing a $500 bill (it I had to pay it?).

It's a lose lose situation.