I have been at loggerheads with my medical insurance over who is responsible for an in-hospital stay. My insurance says it wasn’t “medically necessary” but if a doctor recommended it, I feel the insurance must pay. The hospital has threatened to place me in collection. Why do they think a collection agency will have any better luck obtaining the payment since have no intention of ever paying this bill? I have no credit, so they can ruin that. What will ultimately happen?