Hey guys,
So I just graduated college in December and have been paying for my own healthcare through the student health insurance plan at my school since 2016. In October 2020 my dentist suggested I get wisdom teeth surgery and I figured may as well since I was starting my full time job in February 2021 so I figured this would be the best time to do it. Anyways we go through scheduling and pick a date for January 7th 2021. Everything goes smoothly until today, when my surgeon calls and says my health insurance was expired and I now owe $2500 to them. Basically what happened is that my consultations were all under my health insurance but my surgery was not. This is because apparently my health insurance ended December 15th 2020 when I graduated and my new health insurance for my full time job does not start until February 1st 2021. Unfortunately, I am not covered between this <2 month gap. I don’t really understand healthcare but it appears that neither my old insurer or new insurer will not cover the surgery now.
I’m exploring these options:
- I’ve already received the surgery and payed the out of pocket insurance cost. Could I just not pay the surgeon? It feels as if they should have consulted with me about my situation and helped me realize that I needed to get the surgery before graduation or after starting my job to make sure I was covered. What are the repercussions here?
- Are there any sort of grants or aid I can apply for? It seems ridiculous that I have no insurance for 1.5 months as soon as I graduate. Maybe COVID has some sort of relief program?
- Take the L as an expensive lesson and do some sort of payment plan.
I know it’s mostly my fault for not understanding our healthcare system, but it seems ridiculous that this sort of stuff is not taught in school and no one has explained to me that I need to buy health insurance for 2 months, especially my doctor. What would you guys do in my situation?
submitted by /u/kingsucre
[link] [comments]
Hey guys, So I just graduated college in December and have been paying for my own healthcare through the student health insurance plan at my school since 2016. In October 2020 my dentist suggested I get wisdom teeth surgery and I figured may as well since I was starting my full time job in February 2021 so I figured this would be the best time to do it. Anyways we go through scheduling and pick a date for January 7th 2021. Everything goes smoothly until today, when my surgeon calls and says my health insurance was expired and I now owe $2500 to them. Basically what happened is that my consultations were all under my health insurance but my surgery was not. This is because apparently my health insurance ended December 15th 2020 when I graduated and my new health insurance for my full time job does not start until February 1st 2021. Unfortunately, I am not covered between this <2 month gap. I don’t really understand healthcare but it appears that neither my old insurer or new insurer will not cover the surgery now. I’m exploring these options:
I’ve already received the surgery and payed the out of pocket insurance cost. Could I just not pay the surgeon? It feels as if they should have consulted with me about my situation and helped me realize that I needed to get the surgery before graduation or after starting my job to make sure I was covered. What are the repercussions here? Are there any sort of grants or aid I can apply for? It seems ridiculous that I have no insurance for 1.5 months as soon as I graduate. Maybe COVID has some sort of relief program? Take the L as an expensive lesson and do some sort of payment plan.
I know it’s mostly my fault for not understanding our healthcare system, but it seems ridiculous that this sort of stuff is not taught in school and no one has explained to me that I need to buy health insurance for 2 months, especially my doctor. What would you guys do in my situation?
submitted by /u/kingsucre [link] [comments]Read Morer/HealthInsurance