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Well At Fault here is the facility where you had the medical care. There is a timely filing period that most insurances have from 30days up to 2 years. The insurance department at the medical faclilit should know those timely filing limits for each insurance company. So they are at fault and should eat or (write off) the balance as long as you were indeed covered by insurance at this time, and you had given the proper card or insurance info when you received treatment. If not that's your fault. Always update insurance information when you go in for any type of medical treatment.

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Q: Can your medical insurance expect you to cover the entire amount due because they filed the claim 2 yrs late and the insurance will not consider the claim?
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