Luckily I've worked in insurance (and my employer was an insurance company) but have an uphill battle on my hands.
With my employer, when you go on LTD, you are a "disabled retiree". The good news is I'm on the health insurance for as long as I'm on LTD. The bad news is everyone outsources everything these days.
My employer contracts out to a third party to administer premium/billing who then sends a data feed to the health insurance company. My employer failed to enroll me in 2010 benefits in error, so the third party didn't bill me and thus did not then relay to the health insurance company that I'm covered. As of now I technically have no insurance. I must have it by Friday and my doctor's office can't yet pre-certify.
7am Monday I start my calls to anyone and everyone involved. I can't bear the thought of this surgery being delayed. Every party is blaming it on the other. What joy.
2 ACDFs, 2 PCDF, 3 LIFs; Rt TKR; Rt thumb fusion ; Lt thumb arthroplasty; Ehlers Danlos