Tennisrockstar
Member
What is the name of your state? UTAH
I recently left a company to work for another company. My end date was July 13th. My wife was pregnant and due September 4th. She had some complications and they had to deliver the baby on July 23rd. My previous company's insurance extended through the end of July. When I called them to add our newborn on to the plan for the remainder of July, they said I couldn't add dependents to the plan because I was no longer employed at that company (even though we were insured through the end of the month and when the baby was born.) They've advised me to seek a private plan for our newborn (which is silly expensive) or try to qualify for Medicaid (which we won't...) COBRA was able to add him starting August 1 until my new insurance kicks in so it's just from July 23rd to August 1. He's still in the NICU so I can only imagine the costs that are stacking up... I've done some research and there's a federal law under the portability and accountability act of 1996 that says an insurance company has to offer an insured women's newborn coverage if they request it within 30 days. We reached out and requested it within 10 days. Has anyone else ever experienced this? What are my options? Is the insurance company in the wrong and would I have any legal ground to stand on? Thanks in advance for any insights.
I recently left a company to work for another company. My end date was July 13th. My wife was pregnant and due September 4th. She had some complications and they had to deliver the baby on July 23rd. My previous company's insurance extended through the end of July. When I called them to add our newborn on to the plan for the remainder of July, they said I couldn't add dependents to the plan because I was no longer employed at that company (even though we were insured through the end of the month and when the baby was born.) They've advised me to seek a private plan for our newborn (which is silly expensive) or try to qualify for Medicaid (which we won't...) COBRA was able to add him starting August 1 until my new insurance kicks in so it's just from July 23rd to August 1. He's still in the NICU so I can only imagine the costs that are stacking up... I've done some research and there's a federal law under the portability and accountability act of 1996 that says an insurance company has to offer an insured women's newborn coverage if they request it within 30 days. We reached out and requested it within 10 days. Has anyone else ever experienced this? What are my options? Is the insurance company in the wrong and would I have any legal ground to stand on? Thanks in advance for any insights.