My girlfriend last year was having severe stomach pains and couldn’t hold any food down. We went to the ER a few days before her insurance went into effect and accidentally put it on her insurance. The ER did not give us any diagnoses and basically said to go home and rest. A few days after (when her insurance WAS in effect, we went back as nothing had been resolved and the pains/throwing up was only getting worse. We then were referred out to get some scans and ended up needing gall bladder removal surgery as the gall bladder only had a 2% efficacy rate.
Originally, the insurance paid for it all, and a few months later, we got calls saying the insurance had pulled all their money and all the bills are ours now. When we asked why, they said because the insurance found the original ER admittance with “stomach pains” and classified that as a preexisting condition because the insurance had not been in effect. However, there was no diagnoses and all the surgeries and scans happened after the insurance had kicked in.
We are now left with tens of thousands to pay and not sure what to do. The affordable care act made it illegal for insurance to deny coverage due to preexisting conditions and we think we can fight this but we are unsure.
Does anyone know how to go about this? If we should take this to court or is there a way to settle it without going to court?
Thank in advance!
submitted by /u/JohnMichaelDaniel
[link] [comments]My girlfriend last year was having severe stomach pains and couldn’t hold any food down. We went to the ER a few days before her insurance went into effect and accidentally put it on her insurance. The ER did not give us any diagnoses and basically said to go home and rest. A few days after (when her insurance WAS in effect, we went back as nothing had been resolved and the pains/throwing up was only getting worse. We then were referred out to get some scans and ended up needing gall bladder removal surgery as the gall bladder only had a 2% efficacy rate. Originally, the insurance paid for it all, and a few months later, we got calls saying the insurance had pulled all their money and all the bills are ours now. When we asked why, they said because the insurance found the original ER admittance with “stomach pains” and classified that as a preexisting condition because the insurance had not been in effect. However, there was no diagnoses and all the surgeries and scans happened after the insurance had kicked in. We are now left with tens of thousands to pay and not sure what to do. The affordable care act made it illegal for insurance to deny coverage due to preexisting conditions and we think we can fight this but we are unsure. Does anyone know how to go about this? If we should take this to court or is there a way to settle it without going to court? Thank in advance! submitted by /u/JohnMichaelDaniel [link] [comments]Read Morer/HealthInsurance