GREENSBORO, N.C. — Teresa Welch has a knack for organization—especially when it comes to her husband's medical paperwork. So she was taken aback when a radiology bill arrived unexpectedly.

“Of course got a bill from hospital," Teresa Welch says.

She also received additional bills and one of those was a radiology bill for roughly $1,000. That additional bill was roughly $1,000.

Teresa soon discovered the error: the initial charge wasn’t submitted to the insurance company on time, and the insurer didn’t have the member ID or policy number.

“They didn’t have the member id number—policy number everything,” she says at.

Two years later and after the insurance coverage had changed, Teresa found herself—with no recourse—on the hook for the full amount.

“They were like well—you’re responsibl

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