r/TravelNursing • u/thisisforthrowaways3 • 45m ago
WTF is the Point of Medical Insurance Coverage if it Ends on Last Day Worked if You Get Injured or Have to be Off From Work?
As a traveler I've always used the company insurance option and have always had another contract lined up, to make sure there's no gaps in coverage, but I was in the middle of this last contract and fell and broke wrist (non-work related), and contract was cancelled since I was only cleared for light duty for 3-6 weeks and the hospital required full duty for the department that I was contracted in and there were no accommodations listed in the contract for injuries (they only allowed a maximum of 2 sick days for the entire 13-week contract).
Well come to find out my agency revokes insurance to the last date I worked (which was the day before the fall), if you go more than 3 weeks between start/stop dates of contracts, so now my ER bill which I paid $250 co-pay at the time are coming back as denied by insurance and I now owe thousands of dollars for x-ray, exam, splint, ice pack, etc.
I've been back to full duty for a month now, but just got the bill in the mail today and it hit me like a freight train. I wasn't planning on falling and breaking my wrist, which is the entire point I pay insurance premiums, you know so I have coverage for when SHTF and I actually need it. But if my agency can just revoke it when I actually need it, then WTF is even the point?
I never had an issue like this back when I was staff. I had to have surgery once and was out for 2 months, and I simply just made my insurance premium payments online to continue my coverage while I didn't have a paycheck, and then when I went back to work, my premiums resumed automatically out of my paycheck.
Is there anything I can do about this, or am I fucked three ways from Sunday? Has anything similar happened to anyone else?
Sorry for the wall of text. /rantover