Has your insurance ever changed coverage without letting you know

Employer/COBRA Insurance Forum
1

Hi,

I recently had a telehealth appointment with my doctor through my insurance. I’ve always paid $30 for my visits, but this time I got a call saying I owe $183.69. I found out my insurance no longer covers telehealth visits as of this year, and I never got any written notice about this change. I filed a complaint but I’m wondering, don’t I deserve to be told if my coverage is different? Can they just change it without telling me? Knowing this, I would have gone in person!

Are the doctor’s office responsible too? Shouldn’t they inform me about these changes? I need some help figuring this out. Thanks a lot

3

Did your policy year begin on January 1

4

Hero said:
Did your policy year begin on January 1

I checked and it’s effective from July 1

5

Skyler said:

Hero said:
Did your policy year begin on January 1

I checked and it’s effective from July 1

Is this through your job? If so, it’s best to contact HR and ask them.

6

@Hero
Yes, it is through my job. I’ll definitely reach out. I did file an appeal, though.

7

Skyler said:
@Hero
Yes, it is through my job. I’ll definitely reach out. I did file an appeal, though.

Just to clarify, your coverage didn’t change, but your network did. If I understand your post right, your provider is now out-of-network. We’re supposed to check the provider’s status each visit, but I bet most people don’t do it. I certainly don’t.

8

Do you get your coverage through your employer? Then they should have notified you about the changes during open enrollment, you might have just missed it.

9

Pax said:
Do you get your coverage through your employer? Then they should have notified you about the changes during open enrollment, you might have just missed it.

My open enrollment is on July 1.