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I got a bill from AssetCare for a hospital visit from 2023 in Illinois, but when I called my insurance company they said the hospital never billed them. AssetCare says it’s for the “physician portion,” but my insurance still says they don’t see any claim for that date of service.

The hospital was in-network and I had active insurance at the time.

The hospital billing department isn’t answering my calls, and I’m confused about what I should do next. Has anyone dealt with this before? Can a physician bill go to collections without insurance ever being billed first? Should I dispute the debt directly with AssetCare?

I also don’t want this affecting my credit report.