I've had two doctors' offices try to turn my account over to collections. Both times it was because there was a problem with the insurance billing. I have health insurance but it doesn't help me any if there's a problem at the point of data entry. If a billing code is wrong, insurance won't pay. Both times I called the doctors' offices, spoke with the business managers, and told them I wouldn't pay until insurance did. Insurance won't pay to collections, so it magically got fixed. I'm sure I'm not the only person this happens to.