When I had my surgery, I received a bill for the anestesiologist, since then

I have lost my insurance through that company (husband quit job) I just received a notice of explinations in the mail from the insurance company that covered the surgery with a check for the anestesiologist made out to my husband. I called the company and they said that I could deposit the check in out bank account and sent the money to the anestesiologist, or send it back to them to pay him. I was wondering if I kept the money and made arrangements with this doctor, if it would be insurance fraud with possible jail time. Remember, I am no longer with this insurance company and I am in a desperate financial situation. I don't know what to do here. Oh, and when I called the insurance company, she said that the claim was processed twice, what does that mean?? Please any suggestions?

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