u/BoatAgreeable8436

I had a diagnostic mammogram in July 2025 but was not notified of my balance until December 31st 2025.

I’ve looked into this with my insurance company and they confirmed that the explanation of benefits was issued on August 26, 2025. However, my medial provider didn’t create / notify me of my statement until 12/31/2025 (they confirmed this is correct on their end).

I tried to appeal it, but I was immediately denied, and they stated that they legally have two years to issue the statement. Is this correct? Maybe I’ve been lucky that I’ve never experienced anything like this before, but with a high deductible insurance plan, I would have pursued several other necessary follow up appointments knowing I had met my deductible. Without knowing the balance existed until practically the following year, I wasted nearly half of the year where my appointments would have been otherwise covered and instead saved follow ups for the new year so that they could count towards my deductible.

Does anyone have any thoughts on how I could possibly dispute this further, or is this a “normal” process?