COBRA: What provider is responsible for paying my claims?

[Guest Majredick]

When I terminated my employment on 12/31/00, my insurance provider was company A. I continued to use the same physician and prescription benefit until I received my Cobra paperwork. I received it, filled it out, and paid the premium. Now three months later, I received Cobra information saying that my Cobra coverage has been changed to Company B and I owe more money on the premium. My question: Who pays for the claims I incurred during the period when I thought I was covered by Company A. I have received NO information on company B, but I did call and find out that my same physician is not on their PCP list. Can anyone address this?

[Guest Benefits Maven]

I would have a talk with your ex-employer's benefits staff. A) they should have informed you of a change in carrier in a more timely fashion and B)you are probably not the only person in that boat unless its a very small company. They should know where you should submit your claims.