Dealing with Insurance Issues After Contract Work
I’ve been struggling for a year to resolve a frustrating issue with United Health. After completing a one-year contract with a company, my insurance was supposed to end when the contract did. This insurance only covered injuries or medical problems that occurred while I was on the job, which was on a ship. The coverage officially ended on January 19, 2024.
The problem is that whenever I visit a doctor, they assume my United Health insurance is still active, but it isn’t. My current insurance is denying claims because they believe United is my primary insurance, even though I no longer have it. My employer has sent me two letters confirming the end date of my coverage, but that’s not enough to clear up the confusion.
I’ve called United multiple times, but I haven’t received any assistance in fixing this issue. I suspect there’s an error in their system that’s mistakenly showing my insurance as active. I’m at a loss about what to do next, as my current insurance can’t provide coverage due to this ongoing problem. Any advice would be greatly appreciated!
I’m really sorry to hear about the struggles you’re facing with your insurance situation; that sounds incredibly frustrating. Here are a few steps you could try to resolve the issue:
Gather Documentation: Make sure you have copies of all relevant documents, including your contract, letters from your employer stating the end date of your insurance, and any correspondence with United Health regarding your claims.
Contact Your Employer: Reach out to your employer’s HR department and explain the situation. They may be able to help you advocate with United Health or provide additional documentation that might clarify your coverage status.
Request a Claims Review: When you contact United Health, ask for a formal review of your claims and your policy status. Be persistent about requesting a supervisor or a claims manager if you’re not getting satisfactory answers.
Use Your State’s Insurance Department: If you can’t get anywhere with United Health, consider reaching out to your state’s department of insurance. They can assist with disputes and may be able to advocate on your behalf.
Explore Legal Options: If the issue remains unresolved, you might want to consult with a lawyer who specializes in insurance matters. They can provide guidance on your rights and possible next steps.
Keep Records of Everything: Document every call, including dates, times, names of representatives you spoke with, and what was discussed. This information can be helpful later if you need to escalate the issue.
Patient Advocacy Groups: Sometimes, non-profit organizations focused on insurance matters can provide assistance or advice based on their experience with similar cases.
I hope one of these suggestions helps you find a resolution soon!