[prettyinpink8700]

I had health insurance with the same company from March 09 to November 10 because my mom was working at Capital One during that time and they provided health insurance to our family. During that time I went to several doctors (for example, eye doctor, checkups when I got sick, e.n.t. specialist for dry cough, dermatologist and gynecologist, I know 2010 was a horrible year for me health wise). I ended up getting birth control but before I did that, I made sure that my insurance would cover it by calling them and asking if they would cover the procedure and they said yes but I would have to make a $60 co-pay which was fine with me. I got the birth control in September of 2010 and made the co-pay and everything.

My mom then found another job in October and decided to quit her other job in November. In December, I started receiving bills from all the doctors I visited saying I needed to pay in the full amount because my insurance wasn't going to cover the procedures I had done even though I paid all the co-payments and the amounts that my insurance didn't cover and now all of my bills together are up to over $1100. I can understand if my insurance decides not to cover one of my bills but I have 4 bills that my old insurance is not covering and I can't comprehend why they are doing this... Is there anything I can do about this???

[katty.pitt]

No, they cannot. You had coverage at the time of service. Have your mother contact the insurance company.

[spawn09]

If your mom quit her job, her health insurance stopped as of that date. Nothing after that date would be covered. If you had procedures done or made office visits before that date, the insurance should still cover them. Your question is unclear about exactly when you had the office visits that aren't being covered.

[kelly_f_1999]

If the treatment dates are within the policy period then they will provide coverage. The bills were probably submitted to the company after the policy was terminated and they didn't check the dates thoroughly. Contact the company and explain your position and ask for reconsideration.

[Kadinsky]

your mother, as the covered person, has to contact the insurance company from her old employer and complain.

if this does not get the desired results, she can complain to the state insurance commission in her state, and/or her old employer. The extreme case is that she would have to file suit in small claims court against the insurance company.

you do not have standing to complain as you were not the person employed [who, in theory, was paying the bill].

BTW -- don't pay the physicians, etc. They're used to waiting for the insurance companies to do the right thing.

GL

[Crazy T]

You need to check when the coverage ended and when you went to the doctor. If you went to the doctor IN October and her coverage ended at the end of October then it would be covered. If you went in November after the coverage ended (but before it was officially can celled - which is why it went through at the time), then you'd owe the money.

They can't charge you if the coverage was in force but they absolutely can if they thought it was in force and was can celled after the fact.

[bkoo869]

You have to deal with that insurance company, not people here on YA. Your mother has to ask them why they are refusing to cover the bills when they said they would. You said you made sure insurance would cover the visits. Did you have these services after your mother quit her old job? If so, you are not covered and the insurance company may not have known your mother had quit and told you you were covered. But the paperwork you sign at any doctor's office states you are responsible for anything insurance does not pay.

[Vivena]

It's not up to the health insurance to decide which benefits they'll cover for you or not.

Either you're insured, or you're NOT insured.

The insurance company has to send an "explanation of benefits" form to your mom, to tell you WHY they are denying coverage for the claims. You need to call the number on the back of your card, to ask WHY the claims were denied.

One possible reason, is that your mother dropped you from her insurance coverage. Or maybe you "aged off" the plan. Or maybe her employer can celled the plan for the entire group. It's impossible for anyone here to guess - you'll HAVE to call the number on the back of that old insurance card and ask.

What exactly you can do, will depend on what information they tell you, when you call.