Hi everyone, please help me , what can I do in this situation:
    – In May 2025 my husband left his job around mid May and the insurance BCBS of Alabama was supposed to be covered until end of May.

    • On May 30th I have to do some pregnancy blood work with my new OBGYN doctor and we didn't know the insurance was dropped. So my husband received mail in June about his insurance was dropped right after his last day (which is around mid May the 20th). We didn't know about this, because according to his boss it should be covered until end of month (his boss also surprised and said HR did a bad job here but there's nothing they can do about it). Technically we don't have insurance on the day of service.

    • Early Jun 2025 I applied for Obama care insurance- Ambetter and got insurance active in July. We didn't have any other doctor appointments until we have new insurance.

    So I just received 2 bills from Quest Diagnostics one is 1k3, another is 3k6 or so. I can't pay for this amount and still trying to save up for my coming baby.

    Is there any way I can negotiate to reduce the bill? Call Quest's Billing Department or Call doctor office or any other services like Medicaid ? Please help, thank you so much!

    Got billed $5K for blood work! HELP!
    byu/ShyAvocado234 inInsurance



    Posted by ShyAvocado234

    2 Comments

    1. It’s probably illegal to drop insurance without offering COBRA.
      Check with your husbands ex employer
      You may be able to pay employee plus employers premium for that period and let the claim be put through insurance
      But given this is already 4+ months . I’m not sure what the possibilities are. Check with local COBRA laws

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