It appears you did not get this.

Secondly, it's also law that you should be given the option to pick up your ex's insurance plan and pay for it on your own, at least for a transisitional period of time.

Call your state Insurance dept. and lay it out for them. Make sure you have the documentation from the pharmacy as well, as well as your own and send copies to the state. You can file the complaint online.

If you didn't receive proper notice, or a chance to continue coverage their looking at disciplinary action from the state.

Tell the insurance company that they can get their Momma' to send them $25 grand, or you'll send it a penny a week by "Pony Express".

Much of this is going to depend upon the state laws where you live with regard to notification policies regarding health insurance cancellation.

For example, the Florida statute provides that a health insurance provider must provide the insured written notice at least 45 days prior to cancellation or nonrenewal. Fla.Stat. � 408.909(7) (2002).

The South Carolina Code provides that an insurer must give an insured at least 31 days' written notice of nonrenewal of a health insurance policy. S.C. Code Ann. � 38-71-335.

So, that is going to be a key piece of law for you to find out! Do some searching of google with terms that include your state's name, "health insurance", cancellation, notification. Hopefully your state has such a law.

You might also try contacting your state's department of insurance. Each state has such a dept (with somewhat different names). First, they might know the law for cancellation in your particular state. Second, you can file a claim with them to investigate your situation. It takes up to 6-9 months for them to make a determination, but if it is in your favor, the insurance company has to pay for the services they approved.

I would also check into your COBRA rights (where you could pay for the insurance up to a certain period of time and then are eligible for insurance via HIPAA). Do some searching on these issues as well.

Good luck. I've made use of COBRA rights and department of insurance over the years, and with persistance and using things like the DoI (free!), the insurance company had to pay for the services they approved in every case.

~DM

Sorry it's gotten muddy. It's not like you need this right now.