terminated insurance w/o notice

[tem31975]

What is the name of your state? GA

Our daughters medical insurance was terminated without either of us ever being notified. Is this legal? We found out, AFTER taking her to the ER and receiving a bill! After arguing the case, we have yet to receive ANY form of notification about the termination. I'm livid, to say the least. Anyone have an answer?

 

[las365]

Who terminated the insurance? The insurance carrier? Your employer?

Why was it cancelled?

 

[tem31975]

We found out later that the insurance subcommitee terminated the policy because we submitted the" Proof of live birth" instead of the birth certificate

 

[ecmst12]

Who is the insurance through? And why didn't you submit the birth certificate?

 

[tem31975]

the insurance is uhc, via my husbands employer. The BC was not submitted because we were told the live birth was sufficient. My husband was responsible for having submitted the paper work, I assumed he had sent all the proper documents...wrong!

 

[ecmst12]

If the proper paperwork was not submitted, there should have been no expectation of coverage. If the proper documents are not submitted within the time frame, then coverage will not be available until the next open enrollment period.

 

[tem31975]

yes, however, we called on 4 different occasions to verify that all paperwork had been received. The only document that they kept requesting was "proof of residency from the school". We had to keep explaining that she was an infant, not a genious. Each time, an apology was issued for the error and that she would be active, "within the next hour" We weren't told about the BC until AFTER the 30 days and then we submitted it the following day. We were then told that all documents were in order and she was fine. 6 months later, after trying to get a Rx from the pharmacy, who informed us that she wouldn't be active until the first of the year, we findout that she had been terminated!

BTW...are you an attorney? very well spoken

 

[ecmst12]

Nope but I spent several years doing health insurance customer service and explaining this stuff to people every day!

The 30 day time limit is not arbitrary, it's set by law and not at all flexible. If the paperwork isn't received within the time limit, no matter whose fault, then coverage can't be added until open enrollment.