Hello, I am looking for some advice on a complicated situation. I’m 21 and on one of my parents insurance plans. I’m trying to figure out if I’m going to end up owing a couple thousand dollars back to medical providers. I could be wrong about some details but I will explain things to the best of my ability.
My dad (policy owner) got a new job at a different company. His last day of work was in October 2020. The new coverage didn’t begin till January 2021.During this time I was seeing a neurosurgeon and knew I had to have surgery in the upcoming months, so my dad went on COBRA for me so that I would have coverage, and I think the main reason why was because it was cheaper, but I am truthfully not sure of his reasoning as to why we went on COBRA for a little while. I ended up having surgery in February, and so there was a period of time when I had two active insurances under Aetna, one was the new employer, and one the ex employer (cobra). My dad notified them and stopped paying for cobra. After this, I knew I had to use the new insurance and would present my new information to the doctors offices I visited.
The problem is that my old insurance (cobra) was never deactivated by the ex employer. It remains active. It has caused a ton of problems with my benefits where despite presenting providers my new information, it would be submitted and sometimes successfully processed under the old insurance that should have been cancelled. I only recently figured this out on my own. I notified my dad who is the policy holder and he is waiting for his ex employer to reply to him. The majority of claims submitted to the ex-employers plan were denied and processed under the right / current plan, but there are about 10 claims that were for some reason successfully processed under the old claim.
My main question, what will happen when the employer turns off the cobra coverage that they should have turned off long ago? Will I be billed by the providers and be stuck paying for these claims out of pocket? I have been told by people at Aetna that nothing will happen since it was the ex employers fault, others have told me any claims processed under the old plan will be billed to me once the plan is retroactively terminated. Luckily it is not a ton of money considering the sheer amount of surgeries and tests I have had done, but it still does amount to about $2,000 worth of tests processed under a plan that should have not been active.
I am trying to figure this all out because my parents pay for my coverage, but I pay for copayments and such and am a college student. I am worried about being hit with a retroactive termination and being billed a couple thousand dollars because of an ex employers mistake.
TL;DR:
Was on COBRA briefly because my dad got a new job and the new coverage didn’t begin for a couple months (I could be wrong about this reasoning), ex-employer never turned cobra off despite policy owner stopping payment / notifying them to deactivate it at the correct time. Most claims were processed under new/ correct plan, but 5-6 claims were processed under this old claim after its intended end date because it was showing as active. March should have been the last month of COBRA coverage. For any claims processed from March 2021-Now, when they correct this, will I be billed by the provider? I am guessing I cannot submit the old claims to my new insurance since it will have been about a year since the date of service.
Thank you for any help.
submitted by /u/ct_phonehome
[link] [comments]Hello, I am looking for some advice on a complicated situation. I’m 21 and on one of my parents insurance plans. I’m trying to figure out if I’m going to end up owing a couple thousand dollars back to medical providers. I could be wrong about some details but I will explain things to the best of my ability. My dad (policy owner) got a new job at a different company. His last day of work was in October 2020. The new coverage didn’t begin till January 2021.During this time I was seeing a neurosurgeon and knew I had to have surgery in the upcoming months, so my dad went on COBRA for me so that I would have coverage, and I think the main reason why was because it was cheaper, but I am truthfully not sure of his reasoning as to why we went on COBRA for a little while. I ended up having surgery in February, and so there was a period of time when I had two active insurances under Aetna, one was the new employer, and one the ex employer (cobra). My dad notified them and stopped paying for cobra. After this, I knew I had to use the new insurance and would present my new information to the doctors offices I visited. The problem is that my old insurance (cobra) was never deactivated by the ex employer. It remains active. It has caused a ton of problems with my benefits where despite presenting providers my new information, it would be submitted and sometimes successfully processed under the old insurance that should have been cancelled. I only recently figured this out on my own. I notified my dad who is the policy holder and he is waiting for his ex employer to reply to him. The majority of claims submitted to the ex-employers plan were denied and processed under the right / current plan, but there are about 10 claims that were for some reason successfully processed under the old claim. My main question, what will happen when the employer turns off the cobra coverage that they should have turned off long ago? Will I be billed by the providers and be stuck paying for these claims out of pocket? I have been told by people at Aetna that nothing will happen since it was the ex employers fault, others have told me any claims processed under the old plan will be billed to me once the plan is retroactively terminated. Luckily it is not a ton of money considering the sheer amount of surgeries and tests I have had done, but it still does amount to about $2,000 worth of tests processed under a plan that should have not been active. I am trying to figure this all out because my parents pay for my coverage, but I pay for copayments and such and am a college student. I am worried about being hit with a retroactive termination and being billed a couple thousand dollars because of an ex employers mistake. TL;DR: Was on COBRA briefly because my dad got a new job and the new coverage didn’t begin for a couple months (I could be wrong about this reasoning), ex-employer never turned cobra off despite policy owner stopping payment / notifying them to deactivate it at the correct time. Most claims were processed under new/ correct plan, but 5-6 claims were processed under this old claim after its intended end date because it was showing as active. March should have been the last month of COBRA coverage. For any claims processed from March 2021-Now, when they correct this, will I be billed by the provider? I am guessing I cannot submit the old claims to my new insurance since it will have been about a year since the date of service. Thank you for any help. submitted by /u/ct_phonehome [link] [comments]Read Morer/HealthInsurance