Insurance billed the wrong company
Hello! So last year I had two surgeries to remove a brain tumor, an initial biopsy on April 18th and then a follow up surgery on June 13th. Thankfully I had a decent insurance plan with company A last year and they agreed to cover everything after OOP.
I get my insurance from the marketplace, so I usually end up changing insurance companies every year. This year I have insurance B and update my provider portal like I do every here claiming that this is my current insurance effective as of 1/1/26.
So I got a letter from my hospital last week claiming that my April surgery from last year was being declined by insurance B. I saw the mistake and called, explaining that it was the wrong insurance company. She understood and said she’d submit it to company A. But yesterday I got another letter stating insurance B was denying the June surgery. I called again and the girl said it hadn’t been changed and would do it then.
However, she said that since a year had lapsed since the April surgery, they’d have to get it reprocessed and she made it sound spotty if they’d even cover it now and that the same would go for the June surgery with it being so close to the date.
I’m just kinda freaking out that the hospital is going to try and drop the bill as my responsibility (which is around $350,000). I have the EOB from the surgeries last year explaining that I should owe nothing. I know I gave them the proper insurance info last year because they correctly billed it for everything else.im not sure why they (1) charged the new insurance and (2) waited until after the 1 year mark to notify me of denial.
Am I at fault here? Will I have to eat the cost?