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Document Document Document. Write down who you talked to, when, times, etc. Both for the DR Office and CIGNA. That way if it does pop up on your CR's you can fight it. Hopefully it won't do that. In my LOOONG History of medical collections, the CA always writes you a "warning" letter so to speak, giving you 30 days to pay or it will start reporting. Good Luck
My dilemma is, I just want them to drop the pending claim, I don't even want them to honor my insurance policy, I just want to pay the $200 and forget that I ever had their garbage medical insurance.