BesselJames
New Member
- 4
This is going to be a long story, but I will try to be as concise as possible.
In 2008 I changed jobs and employers (graduate research assistant to a real job). When changing jobs I elected to become a member of my new employer’s group health insurance. My former employer kept me on their insurance plan for the rest of 2008, and apparently continued my plan through the 2009 calendar year. This additional coverage was unknown to me. I did not pay for the 2009 health insurance coverage with my former employer, nor did I see or sign any paperwork indicating that I would be covered. At the same time I continued my health insurance plan with my current employer, as I thought this was my primary (and only) coverage.
Both insurance plans were with the same company, but in different divisions, and both were listed as primary. These divisions apparently do not (and won’t) communicate with each other at all. Some time in 2011 I received an Explanation of Benefits (EOB) from a laboratory test that I had in 2009. The company had already been paid by my current employers plan in 2009, so I thought it was odd that I received an EOB indicating further payment. Apparently the lab found the insurance plan that I had with my former employer and filed under that too. I am not sure exactly how they found it, but the insurnace company paid them twice (once under my current employer’s plan, and once under my former employer’s plan).
Given this, what is the best (easiest, least time consuming, with minimum cost) way to fix this problem?
(1) Is this a problem? (I assume it is)
(2) Is there a statue of limitations (state this occurred in is Maryland)
(3) Can you think of any ways in which I will have to pay any (more) money out of pocket?
(4) What is best approach to fix this?
I’ve spoken with the insurance “experts” in my current and former employers HR divisions and they were no help. I prefer to not get a lawyer as I don’t see that a large financial burden with out much benefit. I’m hoping there is a statue of limitations and I can ignore it....
Any help or advice with this would be appreciated.
In 2008 I changed jobs and employers (graduate research assistant to a real job). When changing jobs I elected to become a member of my new employer’s group health insurance. My former employer kept me on their insurance plan for the rest of 2008, and apparently continued my plan through the 2009 calendar year. This additional coverage was unknown to me. I did not pay for the 2009 health insurance coverage with my former employer, nor did I see or sign any paperwork indicating that I would be covered. At the same time I continued my health insurance plan with my current employer, as I thought this was my primary (and only) coverage.
Both insurance plans were with the same company, but in different divisions, and both were listed as primary. These divisions apparently do not (and won’t) communicate with each other at all. Some time in 2011 I received an Explanation of Benefits (EOB) from a laboratory test that I had in 2009. The company had already been paid by my current employers plan in 2009, so I thought it was odd that I received an EOB indicating further payment. Apparently the lab found the insurance plan that I had with my former employer and filed under that too. I am not sure exactly how they found it, but the insurnace company paid them twice (once under my current employer’s plan, and once under my former employer’s plan).
Given this, what is the best (easiest, least time consuming, with minimum cost) way to fix this problem?
(1) Is this a problem? (I assume it is)
(2) Is there a statue of limitations (state this occurred in is Maryland)
(3) Can you think of any ways in which I will have to pay any (more) money out of pocket?
(4) What is best approach to fix this?
I’ve spoken with the insurance “experts” in my current and former employers HR divisions and they were no help. I prefer to not get a lawyer as I don’t see that a large financial burden with out much benefit. I’m hoping there is a statue of limitations and I can ignore it....
Any help or advice with this would be appreciated.