My wife was diagnosed with breast cancer in March of 2020 and had a double mastectomy in April 2020. We were on my old employer’s insurance then and everything went fine. My wife ended up having 2 more surgeries, one in June 2020, another in August 2020, still on my old employers insurance. We found out in October of 2020 she would need a fourth surgery, but I was going to start a new job November 1st 2020. We ended up getting Cobra for one month with my outgoing employer so we would still be covered under the same insurance and deductible. Fast forward to May of 2021 and we get an email from my old Cobra insurance saying they weren’t covering my wife’s 4th surgery because the Cobra was considered secondary insurance at the time because my new employer started my new insurance as soon as I started there.
I honestly don’t know what else to do now. I’ve talked to my old insurance and they aren’t budging. My new insurance isn’t budging either because the claim has to be submitted within 90 days of the procedure, but my old insurance didn’t deny it until 6 months later. The total bill is $33,000 and we are freaking out, we have no idea how we’re going to pay it.
Does anyone who’s an expert in health insurance claims have any advice?
submitted by /u/dancingsteveburns
[link] [comments]My wife was diagnosed with breast cancer in March of 2020 and had a double mastectomy in April 2020. We were on my old employer’s insurance then and everything went fine. My wife ended up having 2 more surgeries, one in June 2020, another in August 2020, still on my old employers insurance. We found out in October of 2020 she would need a fourth surgery, but I was going to start a new job November 1st 2020. We ended up getting Cobra for one month with my outgoing employer so we would still be covered under the same insurance and deductible. Fast forward to May of 2021 and we get an email from my old Cobra insurance saying they weren’t covering my wife’s 4th surgery because the Cobra was considered secondary insurance at the time because my new employer started my new insurance as soon as I started there. I honestly don’t know what else to do now. I’ve talked to my old insurance and they aren’t budging. My new insurance isn’t budging either because the claim has to be submitted within 90 days of the procedure, but my old insurance didn’t deny it until 6 months later. The total bill is $33,000 and we are freaking out, we have no idea how we’re going to pay it. Does anyone who’s an expert in health insurance claims have any advice? submitted by /u/dancingsteveburns [link] [comments]Read Morer/HealthInsurance