$28k retroactively denied two months later.

Sorry if this is over-explaining. I dont know whats actually important info if advice is neccessary, but it might not even matter. Im also pretty shook up so sorry for grammar.

Tl;dr: my salpingectomy was during a gray area of coverage and employment come to find out. Insurance denied it two months after. No conclusion as of yet.

My last day of work was july 1 and iirc my last day in system was a few days or so after that because resignation was abrupt bc they wanted me to change my mind. My surgery was on the 11th. Maybe is there some chance my last day of coverage was in June?

Surgery billing department got confirmation from insurance same week as surgery informed of employment if that needed consideration and assuming HR had informed insurance so they could make an informed decision.

Now I see a message from September in my statements section (very specific page in mychart that i just stumbled up looming for something else) saying the insurance denied the claim and if i have any other coverage during that time. No conclusion as of yet. Never once any other type of message, nor email or phone call, text, or even posted to my balance.

So im finding out the surgery cost is 28k and just finished throwing up.

Im going to call HR tomorrow to help me access my last 2 paystubs to be extra clear on premium payments.

Idk if its worth saying that I also had medicaid then but only could be covered with in a time frame I couldnt make after consultation and signage. And its LA medicaid so pleading my case of job and life circumstances could be blown off over a $28k sterilization. How tf is that amount for a laparoscopic operation even ethical. Highly invasive double mastectomy is average 15k out of pocket.