Health insurance promised by employer not provided
I'm going to bet I'm completely out of luck on this issue, but I wanted to see if anyone had any insight before I file my taxes.
My former employer promised health insurance for all of 2015 (I worked there five years and my position was eliminated at the end of October, and I was promised that my health insurance would continue until the end of November).
We had coverage then early in 2015, our policy was cancelled retroactively, dating back to 10/31/2014. The employer stated that the plan had been dropped due to Obamacare--they said that many plans had been dropped in this fashion and that they (the employer) had not received any cancellation notice, but they were working on getting it reinstated with the provider and that the account manager was working on resubmitting claims that HAD BEEN PAID by the insurance, then retroactively taken back. No employees were aware of the lapse in coverage until they started receiving bills for things that had already been taken care of.
A new provider was found in the interim, and we had about four months of coverage before THAT was cancelled and it was due to reinstatement of prior coverage. So, it looked like things were working out with the previous policy, and according to a live chat I did with customer service early in the year, they were working with the employer to resolve the coverage issues.
We received new insurance cards with a new policy number and were assured by the employer that the policy was in force, coverage was active, all claims were being taken care of. The health insurance website would not update to show the whole policy period that was claimed and I mentioned this dozens of times to the employer, who again swore coverage was active and that they were working with the account manager, who was working on getting that information updated (it was around mid-August by this time). I basically stopped using the insurance altogether since I could never confirm beyond the employer's verbal assurance that there was active coverage. (They swore the premiums were paid and this was all on the insurer's end, but I'm sure at this point that was a lie.)
I received a document from the second provider confirming the four months of coverage for tax purposes, but live chatted with the first provider today to find out whether I had coverage at all... and they said that not only did I NOT, there were no notes on the account that the policy had EVER been intended to be reinstated. So I went 8 months with no coverage at all and now will have Obamacare penalties to deal with on top of everything else.
I had hoped there was some way to fight this in general, but the coverage was 100% provided by the employer... I offered quite a few times to contribute to it, but I suspect they didn't want that since they'd then be accountable for the amounts we paid in premiums if the policies lapsed. And I suspect I will have no leeway with Obamacare fines...
Any thoughts at all? I'm guessing I'm just screwed all around, including with claims that were supposedly resubmitted for payment.
And, for the record, I'm really glad to be away from this employer.
~tmk