Health insurance cancelled for no reason with no notification?

Question

I have a health insurance policy that is withdrawn directly from my bank accoutn so my bills are never late. I've never gone to an out of network provider.

I went to fill my prescription today and was told my insurance was no good. I got online and saw that I have an inactive policy. I owe them no money, and they sent me no notification of my policy terminating.

They offered to start a new policy for me but my deductable had already been met on my last one so I would lose money by doing this. They didn't give me any explanation for why my original policy was cancelled. What are my options? I'm very frustrated over all of this.

Answer 1

If the money was withdrawn from your account you need to print out the statement that reflect this and contact the company again and tell them that you have it in writing that a withdrawl had been made.  More than likely though you were not as "current" with your payments and if your insurance works like most policies you purchase you have to pay a month ahead of time so your February bill is for March coverage?  Since there is no qualifing event you do not qualify to elect COBRA coverage.  Lack of payment doesn't qualify  you to elect cobra, and even if you could you're payments would be way more

Answer 2

Did you call them and ask they why it cancelled? If it was an error on their end they should fix it. If they give you a hard time ask to speak with a supervisor. Also they are required by law to send you a HIPAA certificate showing that the coverage was cancelled.

Answer 3

You need to write to your state insurance commissioner and complain; and request that the policy be REINSTATED.

Answer 4

Speak to your broker or call the insurance. Until you get a decent answer keep asking for someone up the chain of command.  If you get no where then write a complaint to the DOI (dept of ins) in your state.

Answer 5

AAHH the Insurance business.  Unfortunately it is made up of lawyers.  There job is $$MONEY$$$ doesn't care how, doesn't care why.  

There GAME?  to stop YOU from calling and bothering THEIR PAYCHECK.  

They are playing a numbers game.  Will you go away in 10 (ten) refusals?  Maybe it will take you 20 (twenty) refusals?  Please keep in mind, they send letters out saying, "No."  Are they suffering, NO.  Ladies and gentleman these people are overpaid to keep YOU away!  Pay your premiums, pay your deductibles, "We will be there...."  HA-HA-HA (foules)

Answer 6

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