Confused Over Billing Denials and Insurance Coverage
I recently lost Medicaid (NY) on 4/30 due to the health emergency unwinding and also because I make too much money to renew coverage. So last month, I spoke with HR at my job to enroll myself in my employer's health plan, with the plan to have it start 5/1. HR even confirmed that my new health plan was to start 5/1. In the last few weeks of my old coverage, I had two doctor's visits. I recently checked my old insurance's claims and saw that these visits were denied. The reason being *QA0 – Explanation of Benefits is needed from the Member's Primary Carrier. I realized that my new insurance actually began on 4/16, so it became my primary insurance over the Medicaid plan. At the time of my doctor's appointments, I had not received any insurance cards in the mail or any correspondence from the new plan, and all this time I was under the assumption it would kick in on 5/1. The EOB also says I owe $0 even though the claim was denied.
My question is, since my old insurance denied the claim due to me having another primary plan, do I need to do anything about it? Should I reach out to the doctors I visited and let them know I have another plan they could bill? I have not received anything in the mail from providers or either insurance plans. This is all new to me and kind of freaking me out because I don't want to end up with unpaid bills, so would appreciate any help. Thanks!
submitted by /u/anajpeg
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