It has only been a week since surgery...and I am already getting collection calls.
Oh sweet pea, you are messing with the wrong chic. I work in the industry and you don't have a determination yet from my insurance company, and though I don't expect it to be favorable, you are pushing my button way too soon! The payment plan agreement was for when/if the insurance truly does not cover this as expected.
Go file the claim and wait a few weeks and then I will work at paying my monthly payments for the rest of my life!