A couple years back, my company switched health insurance companies mid year when I was in the middle of a health related issue. So, I discovered that instead of paying maximum of $3000 out of my pocket, I ended up paying $6000 out of pocket; my old insurance company was $3000 max out of pocket and my new insurance was $3000 out of pocket. Is there anything I can do to just have to pay the $3000 maximum or am I out of luck? (The only reason I discovered this is because I have a collection agency asking for the other $3000 I didn't realize I needed to pay.)