Exemployer promised health insurance until 6-30-2006 but terminated insurance for 5-31-2006 what can i do now?

Question

i have cobra notifacation with documentation that i would be covered until 6-30-2006 now i have out standing medical bills that the insurance company won't cover. The exemployer just keeps ignoring me when i call to get this resolved.

No, it is not a Mistake i have documents.
exemployer thought i would not us the insurance in this time period so they did not pay the premium. they were very shocked when i let them know the bill was not covered then i found out it was accidently terminated and on and on. it has been one excuse after another. enough is enough

it was a well baby visit covered 100% but the insurance company says the policy was terminated on 5-31-2006.My childs visit was 6-01-2006

Answer 1

With COBRA, you generally must make the premium payments yourself. If you have it in writing that the employer will cover you through 6/30/2006 then get a lawyer, if the amount is worth it.

Clearly someone made a mistake. Either the company misunderstands what they promised, the insurance company has the wrong expiration date or you misunderstood the coverage offered.

Answer 2

Cobra coverage is sticky. YOU actually are paying the premiums, so something doesn't sound right. Your employer has a responsibility here only because you have paperwork (from the company that is providing the cobra coverage I'm assuming) that states you would have coverage until a specific date. BUT...... If you personally did not pay the premium to the company that has your cobra policy, you were technically not covered on the date of service. Insurance is coverage for what if's...... That's why it's so important to pay the premiums, it's all about risk. Bottom line is, you need to check with the company that is providing the Cobra benefits and find out why you were not covered.

Other scenario is that your ex employer filed the papers wrong. Very common, and hard to get through without contact. I don't know who your former employer is, but if they messed up, they are completely liable. A little history on Cobra coverage, you have 60 days from the day you left, were fired, whatever, to file for coverage (i.e. filling out the paperwork, sending it back to your employer, having them process it for you.) and they do have the right to put whatever time limit they want on it, but most employers cover for 18 to 36 months depending on the circumstances. If you recieved a paper saying that you have coverage until this such a day, then that's binding and you can sue them. But all the Cobra cases I delt with were having to do with the member not paying the premiums, because once you have cobra, you deal with the insurance company and pay the premiums directly to the Insurance company, your ex employer wouldn't have anything to do with it after they process the paper work for you.

I'd call your insurance company (which one is it?) You have to be very persisitant, and you have to be stern, but not a complete ***.... I worked for Health Net, so I've delt with these cases before, but I've never heard of an "employer" not paying Cobra premiums because the member is responsible for them.

Let me know what's going on, I'd need some more information. Bottom line is, nothing will get done if you don't push someone to get to the bottom of the problem. It sounds like the employer is at fault, but you'll never know unless you gather info regarding it...... It's technically a case that is open, and you need to make sure that the insurance company is processing the claims correctly, etc. If I had a copy of the cobra policy, etc, I'd be able to give you better advice and rule out all the scenario's, keep us posted.

Answer 3

Have you talked with the actual insurance about this?
If the employer is not answering calls is there anyone you can call over thier heads?
They are legally responsible for those bills if you have a statement saying that they where responsible till 6/30/2006. Is it a mistake or something that the insurance dosent cover?