In hospital 2/2/16 - 2/11/16 , i received letter from insurance dated 2/11/16 stating full stay was covered. Now hospital says 2/6 - 2/11 not covered .
Employer says I was released on 2/6 because of medical reasons. I caught pnemonia while on the job and was hospitalized. I am an interstate truck driver. They cut off my insurance in the middle of my hospital stay
You should have it looked into, I would need to see the policy and the medical records.
To the PROSPECTIVE client, please call with more details, and for an appointment. My PRELIMINARY answer to your question(s) is for general purposes and based upon the information you have conveyed. It is based on such limited information that it is a general answer, and should not be relied upon as a reason for your action or inaction. My response does NOT establish an attorney-client relationship and such may only be established by mutual agreement, and the signing of a written retainer agreement, which will generally require payment for our services, as this is what we do for a living and, just like you, we must get paid for our work.
If nothing else, you have the right to the reason for the denial in writing. If you haven't gotten it already, send a written request for it. If they still don't give you the reason, you can find a complaint with the agency that regulated insurance in your state.
Either way, that agency will probably be your best bet for straightening this out because they won't charge you, and they have authority to fine or sanction insurance companies. It will take a few months, but the hospital should let you defer payment if you explain the situation. Worst case scenario you buy yourself some time to pay.
Please understand that this is only intended to give you a general idea about the problem. Without complete knowledge of the situation, nothing in my answer can be considered 100% for sure.
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