Insurance coverage date rolled back

This happend almost 5 years ago, and unfortunately I am only now asking about. I had employer provided health insurance in 2019, but had to be put on medical leave. Because of that I was required to manually pay the company the amount for insurance via money order to upkeep the insurance. Once of the months (May?) I missed the due date by a few days, but they money was taken and after returning to work money continued to be taken from my paycheck.

Months later (October?) I find out that because I was late on that payment, the company/ insurance rolled back the valid coverage date to earlier in may. And a month later I was refunded the money taken put of my checks. Because of that roll back, the dr I was seeing sent me numerous bills of the time from may until that point.

The seperate bills were confusing and I should've questioned them more. But between not being in a good spot mentally and in life, plus the stress of playing phone tag with the billing department and their voicemail and never being able to contact them easily I didn't follow up like I should have.

The following year that office ended up selling the listed debt to a collections company. And now I'm wondering if anything can be done, or if it's been so long there's no point? Im not sure if what happend is standard practice, or if its just something really shady/unfortunate that happened. I was a much younger adult back then with a lot less experience/backbone. I'm trying to tie up loose ends and make a plan to my future that I didn't have before.

I live in Florida and work in florida, but the work headquarters/insurance was based in Idaho at the time if that effects anything?

submitted by /u/Icy5856
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