Illinois
As the insured under State of IL Continued Insurance Coverage I schedule sinus surgery. 6 days prior to surgery I went on Blue Cross Blue Shield of Illinois website. I double checked benefits and coverage’s and the site noted my premium was paid through 9/21/11, 2 weeks beyond my surgery date. The day before surgery I was at the hospital and the administrator ran my BCBS card and reported I was good to go for surgery the following day 9/15/11. Had the surgery 9/15/11. The day after (9/16) the hospital called informing me my insurance was cancelled and the procedure was my responsibility ($38K). I called BCBS only to find out my former employer canceled my coverage retroactively to the date I was laid off. BCBS said the employer is within their rights to do so. Isn’t BCBS responsible for notifying me of said cancelation? I never would have had the procedure if it were not for insurance. The former employer has appealed for reinstatement twice, but I don’t have copies and my appeal was denied today.
Unfortunately there is more. When I was let go, I was asked to sign an Exit Agreement. I didn’t sign it as the employer wanted me to wait for 8 months to receive the balance of a sales incentive I had already achieved. I asked what amount would be acceptable to payout now (Aug 2011) instead of waiting the 8 months. I was told that the owner will speak with is lawyer and get back to me. Nothing, my emails went unanswered until the 21st day from when I received the Exit Agreement. I received an email form the attorney informing me that the offer (cash now and delayed bonus) was off the table. Weeks went by exchanging bi-weekly calls and email with the owner for a bit and them just the lawyer. I had no income, they offered a fraction of what was due and I accepted, all along telling them to use said monies to pay my $1,100 State of IL Continued Insurance Coverage (like Cobra). Now I am in need of advice.
As the insured under State of IL Continued Insurance Coverage I schedule sinus surgery. 6 days prior to surgery I went on Blue Cross Blue Shield of Illinois website. I double checked benefits and coverage’s and the site noted my premium was paid through 9/21/11, 2 weeks beyond my surgery date. The day before surgery I was at the hospital and the administrator ran my BCBS card and reported I was good to go for surgery the following day 9/15/11. Had the surgery 9/15/11. The day after (9/16) the hospital called informing me my insurance was cancelled and the procedure was my responsibility ($38K). I called BCBS only to find out my former employer canceled my coverage retroactively to the date I was laid off. BCBS said the employer is within their rights to do so. Isn’t BCBS responsible for notifying me of said cancelation? I never would have had the procedure if it were not for insurance. The former employer has appealed for reinstatement twice, but I don’t have copies and my appeal was denied today.
Unfortunately there is more. When I was let go, I was asked to sign an Exit Agreement. I didn’t sign it as the employer wanted me to wait for 8 months to receive the balance of a sales incentive I had already achieved. I asked what amount would be acceptable to payout now (Aug 2011) instead of waiting the 8 months. I was told that the owner will speak with is lawyer and get back to me. Nothing, my emails went unanswered until the 21st day from when I received the Exit Agreement. I received an email form the attorney informing me that the offer (cash now and delayed bonus) was off the table. Weeks went by exchanging bi-weekly calls and email with the owner for a bit and them just the lawyer. I had no income, they offered a fraction of what was due and I accepted, all along telling them to use said monies to pay my $1,100 State of IL Continued Insurance Coverage (like Cobra). Now I am in need of advice.