(KS) Employer switched insurance providers mid-year, my out-of-pocket spending was suppose to transfer to the new plan but it hasn’t. What more can I do?

Our insurance year ran from Oct 1-Sept 30, however in the last week of January my employer decided to switch insurance providers. Starting Feb 1 we were going to be with a different company and our insurance year would now start in Feb and end in Jan. In the contract for the switch our new provider is to honor our out-of-pocket spending from the previous provider. However, the previous provider did not send information for what was spent in October, they only sent November-January. An oversight that I discovered and pointed out to my employers. We then sent the October spending information ourselves, but the new providers still haven't given us credit for it.

In October my spouse refilled many medications and had appointments with specialists. We spent nearly $3,000 in out-of-pocket expenses that month. So with that spending not being accounted for it's really hurting us. Our individual out-of-pocket max is $6,350. Currently, on just my spouse, we have spent $2,500+ OVER that because of the new providers not counting the October spending.

I've called the new providers multiple times but they tell me that my HR department needs to handle it. We're a small company and don't have an HR department… Our accountant has been handling everything and she has been reaching out every other day for 2 months and is getting the same canned response. "We have the information, it'll just take time to get it in the system."

Is there anything else I can do? How do I force them to follow through? I've been told we'll get a refund when the Oct spending is posted to our account but that's not helping me pay for meds now.

submitted by /u/DangerousCaterpillar
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