It sounds as though Paycheck made a mistake. The way most employer's medical insurance policies work is that the coverage remains in effect through the end of the month in which the premiums were paid. After that, the employee has the option to continue the plan through COBRA.
Since you worked in part of July, the premiums were presumably paid in July. But who paid the premiums in August? Unless this was part of the severance agreement the employer offered, probably no one paid the premium, thus no coverage. The only way to get those medical bills covered by the plan, would be by picking up the COBRA plan, at least for August.
You could write a letter to Paycheck requesting they reimburse you for the COBRA payment, since you relied on their representation that you were covered. They may be willing to take on the one month payment recognizing their error. In my opinion, they are not legally obligated to but it is certainly worth a try.
They say you get what you pay for, and this response is free, so take it for what it is worth. This is my opinion based on very limited information. My opinion should not be taken as legal advice. For true advice, we would require a confidential consultation where I would ask you questions and get your complete story. This is a public forum, so remember, nothing here is confidential. Nor am I your attorney. I do not know who you are and you have not hired me to provide any legal service. To do so would require us to meet and sign written retainer agreement. My responses are intended for general information only.Ask a similar question
If you have to litigate this, it will fall under the ERISA statute and you will need to hire an attorney that is well versed in ERISA issues.
Why is it you expect to be covered for a month when you paid no premiums? Pay the COBRA and it will likely apply retroactively to the date of the termination of the prior insurance, as long as you do so within the proscribed time period.
Good luck to you.
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