I just switched my health insurance and Oscar (prior) is telling me I owe for this month?

[Jennifer Kaplan]

My new health insurance plan with Metro Health began 03.01.2023.

When I called Oscar to cancel, they are telling me I still owe for this month March 2023.
Is this accurate?

I do NOT even have the funds to pay, this is why I switched to Metro Health, a less expensive plan.

I am NOT receiving any subsidy of any kind due to my income etc. I purchased both plans directly on their website at full cost.

Please help with any answers, much appreciated!

Thank you,
Jennifer

 

[adjusterjack]

My new health insurance plan with Metro Health began 03.01.2023.

When I called Oscar to cancel, they are telling me I still owe for this month March 2023.
Is this accurate?

Probably.

You can verify this by reading your policies. You are likely to find that you are covered by both and both have a Coordination of Benefits provision that allows you to make claims on both policies and both policies contribute to the claim.

Your mistake was waiting until the whole month of March to cancel the old policy. You should have done it on the 1st of March which was the effective date of the new policy.

 

[Yagents]

My new health insurance plan with Metro Health began 03.01.2023.

When I called Oscar to cancel, they are telling me I still owe for this month March 2023.
Is this accurate?

I do NOT even have the funds to pay, this is why I switched to Metro Health, a less expensive plan.

I am NOT receiving any subsidy of any kind due to my income etc. I purchased both plans directly on their website at full cost.

Please help with any answers, much appreciated!

Thank you,
Jennifer

If you haven't paid Oscar yet for March, then don't, and the policy will lapse after 30 days. No, they cannot chase you for the money, nor will it hit your credit.

If already paid Oscar, you can try to send them proof of new coverage and ask for refund.

But, this "metro" plan is not something I've ever heard of, and is probably not real major medical insurance, and is instead a discount or indemnity plan. Be careful of what you are buying.

 

[InsurancePimp_]

Lol @ metro health. some one sold you a bag of dreams

 

[shonceman]

But, this "metro" plan is not something I've ever heard of, and is probably not real major medical insurance, and is instead a discount or indemnity plan. Be careful of what you are buying.

If it’s Metro Plus Health, it appears to be an ACA marketplace plan in New York City. But you’re right. She should make sure that what she’s getting is actually a major medical plan.

 

[LostDollar]

op's post suggests funds for paying for health insurance are a problem

 

[Yagents]

op's post suggests funds for paying for health insurance are a problem

Then does it make sense to waste her money on a junk plan? Or go uninsured?

 

[somarco]

op's post suggests funds for paying for health insurance are a problem

It may also be a challenge when they experience claims . . .

 

[Jennifer Kaplan]

Yagents:
Appreciate Reply:
I did NOT pay Oscar for March Premium.
MetroPlus is a Major Medical Insurance Plan Unless I am Mistaken?:
MetroPlus BronzePlus
https://metroplus.org/plans/individual-family/marketplace/bronzeplus/

 

[Jennifer Kaplan]

shonceman:
Appreciate Reply.
This is Plan I Purchased Through Their Website:
MetroPlus BronzePlus
https://metroplus.org/plans/individual-family/marketplace/bronzeplus/