Cash health insurance check and spend it

I am not sure of your exact question, but is sounds like your insurance company sent money (the check) to you to pay off the balance on a bill. If that is the case you should pay off the balance of the bill. This does not appear to be the normal situation as health insurance carriers would ordinarily send the money directly to the medical provider (of course there are exceptions to every rule).

Unfortunately, I have seen this happen before and you are not alone. On rare occassions, an insurer may send the check to you for payment to a provider. While it is not the norm, it does create a difficult position because the insurer has paid its obligation and the provider is still (understandbly) expecting payment for the procedure. If you cannot find a lawyer to help you (and it would often be too expensive to hire an attorney over a single bill) then you may want to contact both the insurer and the provider, explain the situation, and see if something can be worked out.