What does the insurance seller say about how much you owe the vendor?

>I spoke with their billing to see what’s going on and they can not provide me with an itemized bill.

"Itemized bill" spell doesn't work as well as its touts say it does or believe it does. What it does do is save professional, 3rd party, retail health bill fighters a first punch if you've already hired those in or plan on hiring them in. They'll appreciate you for it.

>I received a letter from MBA Law (collection agency)

>Should I ask them for an itemized bill?

A 3rd party debt collector does not have access to your medical record with which it could generate an "itemized bill." If it does have access to your medical record, that's a far bigger problem than $n in health care-induced debt now in hands of a 3rd party debt collector.

But let's get to the actual good news!

The credit history/reporting/score-generating industry imposed a 180 day "free clean up" moratorium on itself in 2017 regarding health care-induced debt.

180 days is now 365 days.

Clear your health care-induced debt within that window of opportunity and the credit history/reporting/score-generating industry promises no damage or downgrade to your credit score.

Paid health care-induced debt is no longer included in consumer credit reports.

And there's a new offer of a health care-induced debt obfuscation deal worth up to $500, maybe even more ..., beginning sometime in 2023!

Why did the credit reporting/history/score-generating industry do this? The generational pervasiveness and sheer dollar amount of health care-induced debt in America: people with shit credit can't buy or keep buying homes, cars, and legitimate consumer services/goods on credit.