What is the name of your state? Mississippi
I'd really appreciate your advice regarding our situation.
I am currently in the state's risk pool due to a pre-existing condition that makes me otherwise uninsurable. My husband and toddler daughter are covered by private individual insurance, as health insurance is not available through his work. The risk pool does not allow any other individuals to be added to my policy.
In January, we called Assurant, my husband's insurer, to tell them we were expecting twins in April. They told us we had a certain number of days after the birth to add them in order to have them covered as of the date of birth.
After the birth, we added the twins within a week or so. Now Assurant is denying the hospital claims for the twins (about $4000 total). The first time we called, they said the twins were covered now, but were not the day they were born. However, MY insurer, BC/BS, told me that Mississippi law states that newborns must be covered if they are added to the policy within 31 days (which they were).
So we called again. This time, Assurant said routine newborn charges aren't covered because there was no maternity rider on the policy. We were never told about such a rider before. And why would we need one if the pregnant one is not even on the policy?
Basically, his insurer is saying my insurance is responsible for the charges, and my insurer says the reverse.
Are we screwed, or do we have any recourse?
Thanks so much in advance for your reply.
I'd really appreciate your advice regarding our situation.
I am currently in the state's risk pool due to a pre-existing condition that makes me otherwise uninsurable. My husband and toddler daughter are covered by private individual insurance, as health insurance is not available through his work. The risk pool does not allow any other individuals to be added to my policy.
In January, we called Assurant, my husband's insurer, to tell them we were expecting twins in April. They told us we had a certain number of days after the birth to add them in order to have them covered as of the date of birth.
After the birth, we added the twins within a week or so. Now Assurant is denying the hospital claims for the twins (about $4000 total). The first time we called, they said the twins were covered now, but were not the day they were born. However, MY insurer, BC/BS, told me that Mississippi law states that newborns must be covered if they are added to the policy within 31 days (which they were).
So we called again. This time, Assurant said routine newborn charges aren't covered because there was no maternity rider on the policy. We were never told about such a rider before. And why would we need one if the pregnant one is not even on the policy?
Basically, his insurer is saying my insurance is responsible for the charges, and my insurer says the reverse.
Are we screwed, or do we have any recourse?
Thanks so much in advance for your reply.