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    Need Health Insurance Mid Year, no insurance currently. Private Insurance?

    @stlwalker Apply through healthcare.gov When did you lose coverage?
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    EOB says paid, have outstanding bill

    @joel05 Are you insured through your employer or the exchange? If through your employer, do you know if the company is fully insured or partially self-funded? Employers with self-funded plans can make calls in situations where the benefit it not straight forward in some situations. Have you...
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    EOB says paid, have outstanding bill

    In the meantime, I'd recommend looking into Marshall Allen's book, "Never Pay the First Bill". You might be able to find some suggestions online without paying for the book. https://www.marshallallen.com/
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    EOB says paid, have outstanding bill

    @joel05 It doesn't look like this act covers ground ambulance but there are some things you an do. Give me a little time and I'll keep looking into it. https://insurance.ky.gov/ppc/Documents/nsa%20-%20consumer%20bulletin%2012-2021.pdf
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    EOB says paid, have outstanding bill

    @joel05 Yes. Ambulance providers do not join networks. They realize patients have no choice on what company to use or in an emergency situation, whether or not to utilize services. I think this issue might be addressed in the surprise billing act legislation recently passed. What state are you in?
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    EOB says paid, have outstanding bill

    @joel05 Thank you for letting me know It gives me energy to keep posting knowing I can help some people
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    EOB says paid, have outstanding bill

    @joel05 Sure. I’d let your hr company know about the collection threat. Many states have laws about medical bills ending up on your credit. I’d Google the info for your state
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    EOB says paid, have outstanding bill

    @joel05 Understood. Don’t pay it for now. Let it play out and please give updates.
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