I'm having an issue and I really don't know how to proceed at this point. I'm hoping that someone can give some advice...
Our insurance with one of the companies that Joe was working for started in December 2006 (shortly before Adrian was born). We paid almost $900 a month. Now, after Adrian was born, we had problems with the insurance company covering anything. On a $202 invoice submitted, the insurance company paid $18.47 and left the rest for us to pay (this would be in addition to our co-pay, our yearly deductible, and our premium for the insurance). We now have a $400 bill from our doctor that the insurance has NOT paid.
After numerous phone calls, I am told by the insurance company that I need to speak with the plan administrator. Well, the problem is that this company went belly up back in March/April. The phone number for the company is still active, so I left several messages. Nothing. Finally, pissed off, I called the insurance company back and spoke with someone else...after putting me on hold for several minutes, she comes back and tells me that Joe's company hadn't paid any premiums since November 2006. That would be a month before our insurance was supposed to start. So, we paid insurance for 4 months...to the company (the money is taken directly from the check) and they never paid the insurance. They just kept taking the money. NOW...where do I go from here?
Do I contact a lawyer and see if there is any way that I can go after them? It's not just about the $400, it's about them taking $900 a month ($3600), in addition to leaving my family with no adequate coverage without telling us so. I also know that if they were doing this to us, they were doing this to every single employee at that company...that's a lot of money. The plan was finally terminated on March 31st, however all of the employees were told that the insurance was paid up until the end of April...
Any advice, ideas??



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