Do we owe the balance of a chiropractic bill accrued after benefits were cancelled unknown to us?

It depends on the specific terms and conditions of your chiropractic bill and your insurance policy. Here are a few key factors to consider:

1. Prior Notice of Cancellation: Generally, insurance companies are required to provide advance notice of cancellation of benefits. If you were not properly notified and were unaware of the cancellation, you may not be responsible for the outstanding balance.

2. Coverage Terms: Review the terms of your insurance policy carefully to understand when coverage begins and ends, as well as any grace periods or notice requirements.

3. Provider Network: Determine if the chiropractor is part of your insurance network. If they are, they may be required to submit claims directly to the insurance company and not bill you directly.

4. Timeliness of Services: Consider the timing of the chiropractic services in relation to the cancellation date. If the services were rendered before the effective date of cancellation, you may still be covered.

5. Communication with Insurance Company: Contact your insurance company to discuss the situation and seek clarification on the reasons for cancellation and your obligations, if any.

6. Negotiation: If you are responsible for the balance, attempt to negotiate a payment plan or reduced amount with the chiropractor.

It's essential to gather all relevant documentation, including the chiropractic bill, insurance policy details, and any correspondence with the insurance company before reaching out to resolve this matter.