Was seen and diagnosed with a fractured wrist on the last day of the health insurance I was under, and my new insurance was active the following day, which insurance will cover the follow up orthopedic for casting in 4 days, my insurance that I was under when the accident happened or the new insurance that took effect at 12 am the day after? Thank you
I Fractured My Wriest On The Last Day Under One Health Insurance, Started New Insurance The Next Day. Which Insurance Will Coverage Remaining Treatment?
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If you are on a group major medical plan you will want to get a deductible credit form from your new insurance carrier and a deductible report from your previous insurance carrier and submit this to your new insurance carrier so that any amounts you have met towards your deductible in 2014 under your previous carrier will be credited against your deductible under your new plan for the remainder of 2014 (most health insurance plans track your deductible on a calendar basis regardless of what your company's contract year basis is or your start date is). Otherwise you will find yourself starting over with a brand new deductible exposure and if any or all of the treatment you are scheduled to receive is subject to your plan's deductible you may find yourself on the hook for a lot of extra expense.
The big issue when you are moving from one insurance carrier to another in the midst of treatment like you are describing is making sure that your health care providers are in-network providers with your new insurance plan and also making sure that there aren't any pre-certification or referral requirements that you have to comply with under your new plan. This is an area I've seen a lot of people get caught up in the insurance bureaucracy and ending up incurring higher out-of-pocket expenses than might have otherwise been the case. So, while I know you probably don't feel like dealing with these issues at this time, you would be wise to investigate them before proceeding with any further treatment.