Blue Cross Blue Shield lied to me about coverage

I was covered under my father's health insurance through HMSA until I turned 26. Because I lived in NY, I had an out-of-state partner plan through Empire Blue Cross Blue Shield. When I turned 26, I attempted to obtain health insurance through an employer-sponsored plan, but was told by my HR that I could not because Empire BCBS was still covering me through the end of the year. I reached out to member services at Empire to confirm my coverage through the end of 2022 and they confirmed in writing and later through multiple letters sent to my home. I continued to receive medical services under this plan. Each time I accessed health services, my insurance was verified as active. In January 2023, Empire denied all claims made after my 26th birthday (3/19/2022). I filed a complaint with the NY State Insurance Commissioner and my case was closed as they deemed the issue to be with HMSA discontinuing coverage. In their decision letter, they state that Empire had been paying Mount Sinai for the care I received and later, in January 2023, retracted the money stating I was not covered (even though they told me in writing that I was covered). So then I filed a complaint with the Hawaii State Insurance Commissioner who deemed the issue to be in NY's jurisdiction. They asked NY to respond to the complaint and the response from BCBS grievances was that "[me] was incorrectly advised by Anthem that her coverage was active until December 31, 2022." These bills have since been sent to collections.

What recourse to I have at this point? I'm just waiting for these bills to tank my credit.

submitted by /u/Significant_Ad8485
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