The facts;
Called insurance company that I had regular (non-ACA) coverage with in mid November and switched to ACA plan (with the same company) for 2018. Paid January 2018 ACA coverage at that time. Also, the rep noted that she would cancel coverage at the end of December 2017.
Received notice from company that December billing (ACH event) was delayed and would receive notification later.
Doctor visits in December were not covered as when bills were submitted they were denied for lack of coverage. Evidently our insurance was cancelled at end of November instead of December.
Now at this point I am not arguing that they should cover the bills as the bills were way cheaper than the premium payment.
January rolls around and I receive past due amount for 2017 December bill.
My initial thoughts are this, if there would have been a life changing insurance event in December the insurance company would have argued that I cancelled my insurance and not paid any of the bills but now after the fact they would claim it was cancelled in error and that I owe a past due amount.
Thoughts?
Called insurance company that I had regular (non-ACA) coverage with in mid November and switched to ACA plan (with the same company) for 2018. Paid January 2018 ACA coverage at that time. Also, the rep noted that she would cancel coverage at the end of December 2017.
Received notice from company that December billing (ACH event) was delayed and would receive notification later.
Doctor visits in December were not covered as when bills were submitted they were denied for lack of coverage. Evidently our insurance was cancelled at end of November instead of December.
Now at this point I am not arguing that they should cover the bills as the bills were way cheaper than the premium payment.
January rolls around and I receive past due amount for 2017 December bill.
My initial thoughts are this, if there would have been a life changing insurance event in December the insurance company would have argued that I cancelled my insurance and not paid any of the bills but now after the fact they would claim it was cancelled in error and that I owe a past due amount.
Thoughts?