Medical Insurance Premium

I retired from my company at 55 and kept my medical insurance at $700 a month invoiced by ex-company that contracted with Aetna. I paid my premium directly to the company and it was adjusted every year.

Three months after I retired I was approved for Medicare disability insurance (multiple bypass surgeries). I was still billed by my company $700 a month after a was approved as disabled.

Four years later my ex-employer switched to United American, a new provider. My premium went down from $700 to $300 a month. When I asked UA why it went down so much I was told it was because when I got on Medicare disability, which my employer supported, the premium should have been adjusted down since the government was effectively picking up my ex-employer’s tab and I was paying the government through a deduction from my Social Security (my money).

12 months times $400 times 4 years is a lot of money to me. I want the money back from their error. I have no probity with Aetna. Only my ex- company does. have gotten years of run around.

Am I in the right legally? Can anyone point me to a regulation that requires the adjustment? Is there an expert that I can consult to help me?

The State and Federal insurance overseers are of no help.

Thanks.

submitted by /u/StrangeVirus2919
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