回复:请老猫大人和各位专家过问一下: 我要是最后走上告我Insurance company之路的话, 会面临什么样后果?

I don't think the facility can transfer your case to a collection company. They have contract with Cigna. If Cigna refused to pay them with a solid reason, then it's a done deal. Even if the collection agency contact you in the future, you can tell them what happened. It seems like the facility and Cigna are playing name and trying to force you to take the responsibility.

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