My husband got a promotion in November. He had a doctor’s appointment in early December and the office staff ran his insurance information prior to the appointment. They realized there was a problem and called him immediately. That is how he found out he had to select a new policy which he did that day. His employer never let him know.
He went ahead and had his appointment that day anyway because the office staff said they could backdate the bill when he got his insurance information situated. He had the doctor’s office make him custom orthotic braces he needs to walk which without insurance costs $2,500.
Fast forward to now, my husband submitted the new insurance information, and the claim got denied. Turns out the new policy didn’t start until January 15th. So now we are on the hook for the bill which is now $3,000.
He has tried reaching out to HR at his job to figure out what happened but has sat on hold for over an hour with no call-back option and had to get back to work. We don’t know when his old policy ended but it appears there was a gap in coverage. Is it legal for his employer to have created a gap in his coverage (especially without telling him)? What recourse do we even have?
He works for USPS btw.
submitted by /u/inmatesruntheasylum
[link] [comments]My husband got a promotion in November. He had a doctor’s appointment in early December and the office staff ran his insurance information prior to the appointment. They realized there was a problem and called him immediately. That is how he found out he had to select a new policy which he did that day. His employer never let him know. He went ahead and had his appointment that day anyway because the office staff said they could backdate the bill when he got his insurance information situated. He had the doctor’s office make him custom orthotic braces he needs to walk which without insurance costs $2,500. Fast forward to now, my husband submitted the new insurance information, and the claim got denied. Turns out the new policy didn’t start until January 15th. So now we are on the hook for the bill which is now $3,000. He has tried reaching out to HR at his job to figure out what happened but has sat on hold for over an hour with no call-back option and had to get back to work. We don’t know when his old policy ended but it appears there was a gap in coverage. Is it legal for his employer to have created a gap in his coverage (especially without telling him)? What recourse do we even have? He works for USPS btw. submitted by /u/inmatesruntheasylum [link] [comments]Read Morer/HealthInsurance