I had insurance through my state while I was il, but I got better and got a job and my own insurance, so I became ineligible for the state insurance some of which was provided by CIGNA, When the state took me off their roles, Cigna sent me a statement saying I could keep the insurance for a certain premium. I did not want the insurance so I did not send the statement back.
then 5 months after the insurance ended through the state, CIGNA sent me a past due bill.
I called them and said I never agreed to the insurance nor agreed to pay them for it. They said that even though I did not want it, they provided it for 2 months before they discontinued it for non payment, and even though I did not use it I must pay for the 2 months and are now threatening to send a collection agency after me.