I am Canadian and while staying in the State of Georgia I broke my hand and required surgery. My emergency travel medical insurance covered the surgery and the follow up visit to remove the stitches. My Insurance Company advised me that any further follow up appointments or treatments were not covered and that any further treatment should be done once I returned to Canada. I called the Doctors office and advised them that I would need to cancel any further appointments as I no longer had insurance coverage and could not afford any out of pocket expense. They advised that all follow up visits within 90 days of surgery are covered so I kept my appointment. When I arrived at the appointment I told the nurse that I no longer have insurance and could not afford to pay for any treatments, she said no problem it’s covered and sent me for x-rays. I then saw the doctor and told him about my insurance and not able to pay for treatments to which he said no worries they were covered. I had a total of 2 follow up visits both with x-rays. I have now received a bill for the x-rays totaling $230.00. I called the office and spoke to someone in billing that said that I am still responsible for the costs incurred regardless of advising them that I did not want any treatments that I would have to pay for. Am I responsible? Do I have to pay this bill?

Sounds like you have a plausible defence if they take you to small claims court.

But, it will be up to the Judge in the end. What proof do you have that they said this?

Because all they will say is you never told them about no insurance, and they will say you are lying…and you did receive the services.

You probably do. At least in the U.S. you would. Ignorance on the part of the medical personnel as to the extent of your insurance coverage would not be a valid reason not to pay.

If you can prove what you said and what they said, you have a valid defence. Let them sue you.