I have no idea; IANAL. All I know is a "local" (not really) doc says I owe him money for some tests he ran on a sample, and nobody will pay him. I pay my bills, but I didn't take the sample, wouldn't have known who to send it to even if I had taken the sample, etc. I spent months faxing copies of bills to the doc who took the sample AND to my insurance, then finally the "claimant" had this debt warrant hand-delivered by the po-po to my home! I'm supposed to show up in court (albeit no time soon). I faxed copies to doc and insurance, and (though I wasn't going to, but I chickened out) I gave it to my lawyer.
I'll be the dick. On paper, it's helped me, yes (girl problems that would have run $16K by June just mainly for tests): I met an OOP early (yay! Didn't even know what OOP=out-of-pocket WAS!), so after that I didn't have to pay anything until next year! (Who's heard of such a thing?!)
But the hospitals/docs didn't file right, or didn't get preauths? Basically, providers aren't getting paid; and while AHCA says "ignore bills you've met your OOP!", I'm seeing bills from people I've never seen before because while a doc was "in coverage area", their test readers weren't, and I've actually been served a DEBT WARRANT (by the police!) now. So basically, I'm paying what AHCA said NOT to pay because I don't want to be sued (hire lawyer, get tripped up in legalese, ...it's just cheaper to PAYOLA); plus, I figure radiologists or labs did their job and should get paid (plus their phone calls are scary). I find the entire thing ridiculous, but the debt warrant is scary. NGL.