hevymetlmystic
New member
Let's call my insurance Q and my mom's insurance B. So, I was under my mom's healthcare for most of the year last year until I turned of age. My mom quit her job earlier that year. I thought my healthcare was going to terminate on my birthday so I tried talking to my employer to get enrolled. They first told me to consider COBRA, I've had problems with them in the past where it seems like they didn't want to pay, so I called up B-insurance after my birthday trying to figure out if I could join their individual healthcare plan if my job refuses to allow me to enroll. They ended up telling me that I had 30 extra days of coverage because of my mom's job. So, what I did was a follow-up appointment for my thyroid-heart issues within those extra 30 days. I called on the 30th day (My birthday is on the 31st of the previous month, and I called the 30th of the next month to enroll in Q-insurance from my job). Ex: Birthday is Aug 31, was told I was covered until Sept 30th. On B-insurance's website it says: medical - Coverage End 09/30/2017, dental Coverage End 08/31/2017, on top of all of that.
Fast forward, I get a bill in the mail that says that B-insurance won't cover the bill. After a bit of back and forth, I was told today by B-insurance that "even though you were covered, your policy ended on the 31st, your birthday". I called up my job's benefit's center (Q-insurance) and they told me they won't retroactively pay for my claim because I had enrolled past the 31 days of a life-qualifying event, and now they're saying because I said on the 30th I lost health coverage on the say, Sept 30th and my coverage for dental and vision ended on my birthday, they started my coverage for the next day for both, say, Oct 1st and therefore they won't cover my healthcare claim.
It seems like Q-insurance refuses to cover this claim under the original basis that I waited too long to claim coverage (which, if that was the case, why would they have allowed me to enroll in dental/vision on Sept 30th since that coverage ended on my birthday), Q-insurance won't retroactively take the claim. B-insurance says that my policy didn't end until the 30th of the next month, but I don't have coverage because of my birthday. They said my mother needs to call in and rectify the issue, potentially with her original employer.
In-person HRs don't exist at my job, so I have nobody to ask in-person, but I can contact that same hotline.
I'm in healthcare limbo where everyone is avoiding my healthcare claim. Is there anything I can do, or any advice as to what to do so I won't face any major potential financial repercussions, or am I SOL? This doesn't seem right.
Fast forward, I get a bill in the mail that says that B-insurance won't cover the bill. After a bit of back and forth, I was told today by B-insurance that "even though you were covered, your policy ended on the 31st, your birthday". I called up my job's benefit's center (Q-insurance) and they told me they won't retroactively pay for my claim because I had enrolled past the 31 days of a life-qualifying event, and now they're saying because I said on the 30th I lost health coverage on the say, Sept 30th and my coverage for dental and vision ended on my birthday, they started my coverage for the next day for both, say, Oct 1st and therefore they won't cover my healthcare claim.
It seems like Q-insurance refuses to cover this claim under the original basis that I waited too long to claim coverage (which, if that was the case, why would they have allowed me to enroll in dental/vision on Sept 30th since that coverage ended on my birthday), Q-insurance won't retroactively take the claim. B-insurance says that my policy didn't end until the 30th of the next month, but I don't have coverage because of my birthday. They said my mother needs to call in and rectify the issue, potentially with her original employer.
In-person HRs don't exist at my job, so I have nobody to ask in-person, but I can contact that same hotline.
I'm in healthcare limbo where everyone is avoiding my healthcare claim. Is there anything I can do, or any advice as to what to do so I won't face any major potential financial repercussions, or am I SOL? This doesn't seem right.