I'm hoping someone with insight into the health insurance field can help me. My health insurance company shut down in July. They gave members 10 days to find new coverage. I applied with a new company immediately, but due to underwriting and processing, did not get official work of coverage until 8/18, which I received my new insurance cards. They did post-date my coverage to 8/1 for tax purposes - so I had no gap in coverage, on paper.

I received my first bill, which billed for the entire month of August. Would I be wrong in assuming that since I was not covered, and had no benefits/ID number until the 18th, that I should only be paying for the days I had access to this coverage? My daughter and I were both sick at the beginning of the month, and didn't have access to our doctor while we were waiting for new coverage.

I've just sent an email to the new insurer, but got a "due to heavy inquiry volume, please allow 10 business days for a response". Ugh.

Curious what the consensus would be in this situation.