That's the way I do it. They will often send a bill with a subset and try to get some money out of you early. I completely ignore anything sent before I get a complete EOB. Meaning every supplier has made their claim. Then, if the supplier has any relationship with the insurance company (negotiated rates in the secret contract that we as consumers are not privy to), I call the billing office and tell them if they want to get a dime, they need to address whatever issues I have, like an out of network contractor or something. They can send it to collections, I don't care. Unless they convince me I'm not getting cheated, I don't pay the first dime.
Thank you. This is my train of thought. Very encouraging.