Wife’s dental insurance accidentally overpaid and they are trying to make it her problem. How do we avoid getting turned over to collections?

Wife's dental insurance accidentally overpaid and they are trying to make it her problem. How do we avoid getting turned over to collections? https://ibb.co/SrP9bkj here is the letter sent They basically admit they accidentally overpaid and are having trouble getting the money back from the dentist. I don't see why that is our problem, but they specifically say they "need help" and that if she can't fix it they may come after her for the charges. Seems like complete bs, insuranc...

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