Switched from Aetna and now stuck with a big bill

The company I work for had been using Aetna as our insurance for years and I've had few problems with them in the past. As of January 2025, my company switched insurance providers (to BCBS). I recently had a baby (my second child), and while I was pregnant, my doctor recommended a test to check for genetic anomalies. I'd had this test done before with my first baby and agreed. Previously, Aetna covered everything and we all carried on. I assumed it would be the same with this pregnancy. Fast forward to recently, I've been getting bills from the lab that ran the test saying insurance didn't pay anything, even after they had appealed on our behalf and we now owe them a substantial bill. The test had been done in December, and I am wondering if what happened was that Aetna delayed paying long enough that once January hit, I was no longer covered by them and they no longer has to pay. Maybe? I'm not sure, but I certainly have some phone calls to make to try to figure this out. My question is, what do I do? who do I call? Aetna? The lab? My company's HR person in charge of insurance? What should my next steps be to avoid paying for this test completely out of pocket when it was done while I was fully covered, (and had been paid for in a previous pregnancy?) I am just over 2 weeks post-partum and this is the last thing I want to be dealing with, but it must be dealt with ASAP!

Edit: I am F, 32, and live in ID but my employer is based in AZ with employees across the country, if that info helps with anything

submitted by /u/theWildWaffle-is-me
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