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Q:  I sent in my premium for 3 months coverage. I later had a claim that was denied as the plan administrator claims to not have rec'd my check. I have no way of proving that I sent in the check. All I have is a check number and a bank statement showing the check never cleared. I did not expect that I would need to call long distance to the plan administrator each time I send a check to inquire if they had rec'd my check. I expected them to notify me of a pending cancellation. I sent in a replacement check and they have refused to accept it claiming it is past due. Do I have any options? They are saying I need to call long distance each time I send a check to be sure they have rec'd it. That seems illogical.

A:  Your previous employer or their plan administrator does not have to send you a monthly invoice or notify you if your premium is late.  It is your responsible to make sure the payments are received by the due date.  If you have a plan administrator that does not send out correspondence then it is in your best interest to call.  When you call them you need to keep a history and document the date and time you called them, and the name of the person that confirmed your payment has been received.  

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