Sent this letter to J today.
Here are copies I think you need for your records. So far we are crediting ourselves, $4.82.
When you receive the bill after both insurance companies have processed the claim- we will be paying the balance due, since we owe you money, and will deduct your share from what we owe you, just as we are doing for N’s 4/6/97 visit to hospital. Thank you- Patricia”