Hi,
My coworkers and I may be about to lose our employer provided health insurance (due to a work stoppage). We have been learning about our options (Cobra, ACA, insurance broker), but one question that has come up is about the nitty gritty details of billing. If one elects Cobra care, but the paperwork hasn't been completed yet, how do you deal with paying for a major medical event? Or if you haven't decided to elect it yet, but are within the time period to do so when a medical event happens, how do you inform the health care provider? In the case of an ER visit, or surgery (previously scheduled or not), does one have to pay out of pocket and deal with paperwork later? Or can the billing go to the previous insurance, to be worked out when Cobra paperwork is all done and signed?
If anyone has personal experience with this, that would be very helpful to me and my colleagues. Thanks!
My coworkers and I may be about to lose our employer provided health insurance (due to a work stoppage). We have been learning about our options (Cobra, ACA, insurance broker), but one question that has come up is about the nitty gritty details of billing. If one elects Cobra care, but the paperwork hasn't been completed yet, how do you deal with paying for a major medical event? Or if you haven't decided to elect it yet, but are within the time period to do so when a medical event happens, how do you inform the health care provider? In the case of an ER visit, or surgery (previously scheduled or not), does one have to pay out of pocket and deal with paperwork later? Or can the billing go to the previous insurance, to be worked out when Cobra paperwork is all done and signed?
If anyone has personal experience with this, that would be very helpful to me and my colleagues. Thanks!