What is the name of your state (only U.S. law)? NY
This is a two-part question and it relates to both employment law and maybe -medical malpractice?? We had our family's health insurance through my husband's employer. The employer switched to a new health plan 08/01/2010 and everyone got their new cards, etc. A month later, in September 2010, the said employer went bankrupt and closed the shop. Around the same time, bills started coming in from the medical providers, used in August. Apparently our coverage had been retroactively terminated, effective 08/01/2010 because the employer failed to pay the insurance policy. All our August claims were rejected and we are responsible for full amounts of every medical service bill. I am a cancer patient, many procedures required pre-certification or notification of the insurance company. Nobody - neither the employer, nor the hospital, nor the insurance company ever alerted us that we had no coverage at the time of service. I have A LOT of bills which I'd rather not have to pay. Who is the responsible party here? The employer for not paying the policy and not warning the employees? The hospital for administering the services without telling us that we have no coverage and would be responsible for the full amount? The insurance company? I mean, they are all kind of shrugging their shoulders and we are getting screwed. Any ideas on how to proceed? Many thanks, DSSWhat is the name of your state (only U.S. law)?
This is a two-part question and it relates to both employment law and maybe -medical malpractice?? We had our family's health insurance through my husband's employer. The employer switched to a new health plan 08/01/2010 and everyone got their new cards, etc. A month later, in September 2010, the said employer went bankrupt and closed the shop. Around the same time, bills started coming in from the medical providers, used in August. Apparently our coverage had been retroactively terminated, effective 08/01/2010 because the employer failed to pay the insurance policy. All our August claims were rejected and we are responsible for full amounts of every medical service bill. I am a cancer patient, many procedures required pre-certification or notification of the insurance company. Nobody - neither the employer, nor the hospital, nor the insurance company ever alerted us that we had no coverage at the time of service. I have A LOT of bills which I'd rather not have to pay. Who is the responsible party here? The employer for not paying the policy and not warning the employees? The hospital for administering the services without telling us that we have no coverage and would be responsible for the full amount? The insurance company? I mean, they are all kind of shrugging their shoulders and we are getting screwed. Any ideas on how to proceed? Many thanks, DSSWhat is the name of your state (only U.S. law)?