My state is several months behind on paying back insurance claims for services that are covered under my plan. So now these medical providers keep harassing me for the unpaid bills. I've explained the situation and had my insurance company call several times to explain as well. But the providers have sent the overdue bills to collections anyway. I don't know what to do. I don't have several thousands to pay off surgery bills and wait to be reimbursed. I'm planning to buy a home soon and I don't want these medical bills to show up as delinquent on my credit report.