Received treatment while transitioning to COBRA insurance, but the bill says I was uninsured

Hi! I broke my hand a while ago and had to go to hand therapy for treatment. During this time, I had medical insurance. However, I was then laid off when I had one more hand therapy appointment left. I was supposed to be enrolled in COBRA, but it is really unclear when that coverage began (I still do not have insurance cards, and I was laid off 3 months ago at this point). According to the Navia benefits member portal, I am enrolled in COBRA, but when I received the latest bill for hand therapy, the notes say that I was uninsured. I find this entire COBRA process to be extremely confusing. I assume there is some sort of retroactive insurance billing that I can send to the hand therapy office once I receive the insurance numbers? Has anyone else experienced the same confusion about health insurance under COBRA? I would like to not pay full price for hand therapy :/ Thank you in advance for any resources you can point me to in order to figure this out or shared similar experiences.

submitted by /u/Turdofwhizdom
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