Misc Health Insurance Question

Skyy God · 04-24-2013, 10:26 AM

The crazy facts first, then my real question.

Last year I had emergency eye surgery. It's pretty trippy talking to doctors while they sew up your eye. Anyway, my individual health insurer (lets call them **** Punch Insurance) denies that I had coverage at the time of the surgery, citing my move out of the coverage area, and retroactively cancels my policy to 45 days before treatment. This of course goes against the contract and state law requiring 30+ days of cancellation and a refund of premiums. Looks like a classic case of bad faith, and I don't mind litigating.

The law is pretty much on my side, but I don't know whether, once forced to pay, this would be considered in-network, out-of-network, or under some emergency treatment provision. Is the latter pretty standard in health insurance contracts? Insurance guru advice appreciated.

04-24-2013, 10:26 AM	Topic Starter
Skyy God 11-5, baby Join Date: Sep 2005 Location: Livin the dream Casino cash: $2191557	Health Insurance Question The crazy facts first, then my real question. Last year I had emergency eye surgery. It's pretty trippy talking to doctors while they sew up your eye. Anyway, my individual health insurer (lets call them **** Punch Insurance) denies that I had coverage at the time of the surgery, citing my move out of the coverage area, and retroactively cancels my policy to 45 days before treatment. This of course goes against the contract and state law requiring 30+ days of cancellation and a refund of premiums. Looks like a classic case of bad faith, and I don't mind litigating. The law is pretty much on my side, but I don't know whether, once forced to pay, this would be considered in-network, out-of-network, or under some emergency treatment provision. Is the latter pretty standard in health insurance contracts? Insurance guru advice appreciated.
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