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.

You need to contact a lawyer STAT. Do not leave this up to a bunch of message board nerds who are just going to advise you to either: A) ask about coverage for injuries sustained in a flaming aids tree, or B) Hire Geno Smith to rape them with a choco penii.

Get a lawyer. A good one. Now.

Oh, and inb4 obama/move this to DC

it's no surprise you don't see eye to eye with the insurance company

NB4 Obamatards come out in droves.

Have someone read the fine print in your contract for you, preferably an attorney.