What is the name of your state (only U.S. law)? California
What is the name of your state (only U.S. law)? California
I purchase my own insurance through Covered California (Obamacare). I received a termination letter from my insurance company in July back dated to April 30, 2015. They kept sending me multiple letters for 3 months prior to that stating that I owe $112.52 and I have 90 days as a grace period to make my payment, but I made a payment of $112.00 (I was 52 cents short for a few months) every month from April to June, so it leaves no chance of the 90 day grace period running out. Also, I paid them $97.55 per month (my 2014 yearly premium) in Jan and Feb 2015 because I was unaware that my premium was going to increase from $97.55 to $112.52 for 2015. I only found out about the increase in monthly premium in March of 2015, after which I began paying $112.00 every month.
All the letters that I would receive from the billing department of my insurance company would tell me that I was $112.52 overdue, which was much higher than the amount that actually I back owed to them (which totaled to $31.76). I found this out today on the phone with their representative. Had they given me an accurate figure in their billing statements for the amount back owed, there would be no such problems. My mistake was due to ambiguity on their billing end. Even though I have proof that they've cashed all my checks until June 23, they're still not reinstating my policy. They insist that I wait till November, the next open enrollment period for California. Covered CA is not helping me; I've made complaints to Department of Managed Healthcare and Department of Insurance, but I'm not sure how much power they have to enforce a decision.
I wanted to know if there is any way that I can take this to the small claims court. If so, would I have to file in a small claims court close to me or close to the insurance company's office? I appreciate any help. Thanks so much!
What is the name of your state (only U.S. law)? California
I purchase my own insurance through Covered California (Obamacare). I received a termination letter from my insurance company in July back dated to April 30, 2015. They kept sending me multiple letters for 3 months prior to that stating that I owe $112.52 and I have 90 days as a grace period to make my payment, but I made a payment of $112.00 (I was 52 cents short for a few months) every month from April to June, so it leaves no chance of the 90 day grace period running out. Also, I paid them $97.55 per month (my 2014 yearly premium) in Jan and Feb 2015 because I was unaware that my premium was going to increase from $97.55 to $112.52 for 2015. I only found out about the increase in monthly premium in March of 2015, after which I began paying $112.00 every month.
All the letters that I would receive from the billing department of my insurance company would tell me that I was $112.52 overdue, which was much higher than the amount that actually I back owed to them (which totaled to $31.76). I found this out today on the phone with their representative. Had they given me an accurate figure in their billing statements for the amount back owed, there would be no such problems. My mistake was due to ambiguity on their billing end. Even though I have proof that they've cashed all my checks until June 23, they're still not reinstating my policy. They insist that I wait till November, the next open enrollment period for California. Covered CA is not helping me; I've made complaints to Department of Managed Healthcare and Department of Insurance, but I'm not sure how much power they have to enforce a decision.
I wanted to know if there is any way that I can take this to the small claims court. If so, would I have to file in a small claims court close to me or close to the insurance company's office? I appreciate any help. Thanks so much!
