Another concern that we have is that the health insurance plan, for which we were having premiums deducted, was not being paid. The provider suspended our account(s) several weeks ago. The information we (employees) have is that once the plan has been fully paid up, the suspension will be raised. We can then resubmit medical expenses for reimbursement.
The larger issue is not having had a lapse in coverage. Several of my colleagues have family members with existing health issues. Going forward, getting on new plans raises the question of whether or not conditions will be considered pre-existing due to the (potential) lapse in health insurance coverage.
Does anyone have an opinion of the ramifications and/or recourse for the health insurance issue given this situation? Again, premiums were taken out of paycheks for the period of time that payroll was made, but the health insurance provider was not paid during this time.
We are also trying to balance the issue of being stuck in a health insurance plan that is suspended, but that we will have wages deducted for when/if we are paid. Given that our employer is moving forward under the assumption that he will get funding, bring payroll up to date and pay off the health insurance provider it puts us in a difficult situation of knowing whether or not we should move to new health plans. Again, the sticking point is having a lapse in coverage. As of now, the account suspension is due to the plan owing money for several months. Signing up for new individual, family plans now will likely show a lapse in coverage.