Americans are completely divorced from how medical bills get paid. IMHO, that's the real challenge.
"I just thought I only needed to send them the bills?" a parent blithely told me.
I feel for this parent, because I'll bet her doctor's office fills out all the paperwork for her, either her GP, pediatrician, and the OB/GYN... Why? Because that's how the MD offices get paid.
Hospitals, especially Emergency Rooms, won't do that. Guess where Rugby players end up on Saturdays? (and the occasional Tuesday/Thursday...)
I suggest you fill out a claim form for EVERY bill you get, make copies, and send in the originals. Then, make phone calls still you get a human. Then, write that human's name down, and their DIRECT phone number. Stay on it!
Rugby players cannot remain divorced from this system. We are better than that.