This problem happens all too frequently. You need to notify the Hospital to provide you with all records showing their timely submission of the claim to the insurer. You need to notify the insurer that you will require proof of the untimely submission of the bills and waiver by the Hospital. Should any legal action be brought, both the insurer and the hospital should be parties to the same proceeding.
Answered on Apr 11th, 2013 at 3:26 PM