Been dealing with this bull for almost a year now.

Hello

I had gone to the ER back in May of 2022, didn’t think anything crazy would be taking place, gave them my insurance info and was seen, and had an ultrasound done before they let me go and gave me the script I needed. Fast forward to September and I get something in the mail saying my insurance is not paying the bill due to not being my primary coverage, and this is where it all goes crazy.

Context – I left a job end of December 21 and didn’t begin another job till early January. I had benefits with the first job, and did not elect to take COBRA benefits upon leaving. Once I began work with my new employer I started benefits there under a different carrier. Back to September I start going down the rabbit hole and discover that my prior e.ployer never ended my benefits with carrier A, so carrier B found this and is saying they are secondary. I go through the hassle of having to jump back and forth between both companies and it ends up getting sorted out, or so I think. At that time it was confirmed carrier A was covering the ER visit and would be canceling the policy per instructions given by my prior employer.

Now we’re in March of 2023, I get a call from the hospital to tell me that Carrier A rescinded payment for the claim and is now leaving me with a $1500 bill owed, and are saying carrier B should be covering it. I call carrier B, they tell me that’s not correct, they confirmed with a rep for carrier A that A is primary and covering the visit back in September. I Call carrier A and am told they aren’t primary, the plan was canceled effective the day after the ER visit, carrier B “per pur notes, never even asked who was primary or secondary just if this policy was in force for the DoS.” I requested something in writing to confirm their position on coverage and was denied, so I requested a supervisor and was told to expect a call back.

I followed up with Carrier B again and they reviewed rules on how coverage priority is determined and the rule for it would be length of employment or policy(?) Ant remember for sure. I was employed with the first employer for 5.5 years and had carrier A for about 4 years of the time, and only had coverage with my new employer for roughly 4.5 months. The supervisor for carrier A called me and confirmed they were primary and would reprocess the claim.

I have now received an official bill from the hospital for $1500 and it appears carrier A either did not reprocess the claim or is going to begin the same run around again.

I’m over dealing with this now, it’s been annoying to sit on holds for 30+ minutes at a time just to keep getting the same finger pointing when it appears very clear who should beovering this. It also feels extremely bad because none of this is my fault, I had no idea my coverage hadn’t been canceled originally, I hinestly would have preferred they canceled before this visit so I could just have my newer insurance handle this and I don’t have to deal with it.

Where should I go from here? I have worked in auto insurance for a while, so does dropping the “im going to file a formal complaint with the insurance comission” light a fire like it does on the auto side if it’s even remotely close to valid? Anything else I should do/say at this point?

Sorry for the wall of text, just not sure how to word it otherwise.