I've had my insuance through my employer from october of '06. Money has been taken out of every paycheck to pay for the premium. I recently had an accident that required surgery and hospital stay in late feb. I have received three explanation of benefits from the insurance provider so far: 1.) for my ambulance ride which was covered. 2.) The first couple days with services shown as "Inpatient" and "Ancillary" which was covered. 3.) and a third peice of paper for the remainder of my stay for "SNFINPT" and "SNFANCIL" as the services provided but the third peice of paper states that I may be responsible for the bill because my membership was terminated prior to the date of service.































I never received or heard anything from my employer or my insurance provider about my coverage being cancelled but my paycheck shows money being taken out for the premium up until the time of the injury. What rights do I have so I'm not stuck with this ridiculous bill? Any help would be great!

I would first call your HR department and speak to someone in the benefits department.































Also note that the language of the 3rd bill says you *may* be responsible. It doesn't say you are. Make sure you're not misunderstanding the document.































I had a similar thing happen to me, and ultimately my insurance covered everything even though I was initially told they wouldn't.