I was charged for my medical health benefits through pay period 02/28/21 to 03/13/21, shouldn't they be active until 03/13/21? ?

Question

I live in Northern California and worked for Dignity Health Medical Foundation. My last day at work was 02/26/21. I thought that my benefits were good until the end of March. Wrong... Yet I thought that because I was still charged my last paycheck for the date 02/28/21 to 03/13/21. Shouldn't it be until 03/13? Yet my medical last day was 03/01 and dental was 02/28?! No one told me anything so I assumed which I shouldn't have, but I thought that if my benefits would expired sooner that they would of sent me a letter. Of course they send out a letter on 03/24/21 which I just received to tell me that my benefits expired on 02/28/21! Is this even legal? Or how can I go about it? Do I have the right for them to extend it until 03/13/21 since they charged me already? Please help because it would help for them to at least extend it until 03/13/21! Thank you!

? · Answer

Insurance always ends last day of the last month of employment. You should call Dignity Health HQ. I am familiar with it in Marin county as well as in San Francisco.

Zarnev · Answer

Yes, what they're doing is legal. In nearly every case insurance is monthly no matter how the payment is set up.

You can extend your coverage using COBRA benefits, which allow your group policy to continue. However, you'll have to pay not only your previous premium but also the amount the Foundation paid in your behalf, plus possibly a 2% admin charge.

I was charged for my medical health benefits through pay period 02/28/21 to 03/13/21, shouldn't they be active until 03/13/21? ?

2 Answers