In June of 2018, I had a dental procedure done that ended with a total cost of about $1400.
At the time, I was under my parents dental insurance. The dentist office confirmed my policy and claimed that I would pay 50% of the total cost and they would charge the insurance company the rest.
I ended up paying, in full, as soon as they allowed.
The next month, after the procedure, my insurance company contacted my parents to let them know they are dropping me from the plan. It turns out that I wasn't supposed to be on there since I was out of college at the time (recently graduated). They refused to pay the rest of the cost.
I had absolutely no idea about any of that. Apparently, neither did my parents.
Now, I'm being charged with a bill for $1400, which seems to be double the cost they were supposed to charge the insurance company. The last I heard, the dentist has tried to charge the insurance company several times without success.
Had I been informed before the procedure that my insurance wasn't going to cover it, I would have waited until Jan 2019 so that I could use my new insurance provided by my job.
- Can the insurance company refuse to pay the bill? I understand why they dropped me from the policy, but the policy was active at the time of the charge.
What is my best option?
- Should I refuse to acknowledge the debt as mine? Can I claim it's the insurance company's debt?
- Contact my old insurance company and try to get them to pay up?
- Negotiate with the dentist office to reduce the bill and just pay it?
- Simply have them fix the charge so that it's accurate (it should be $700, not $1400, since I already paid half), and pay in full?
Do I have other options?