tl;dr: changed jobs, old company ended my insurance before i started new job, now i have to pay full ER fees
recently, i changed jobs. i gave ample notice (over 2 weeks) to my previous employer, i notified everybody including hr of my new start date, and i got all my ducks in a row before i left.
the weekend before i started my new job, i ended up in the er. i’m totally fine now, thankfully, and my department never worked on weekends so it isn’t like i missed any work for it. i didn’t start my new job until monday, so i gave them the insurance that i had at the time.
several months pass, and about a week ago i got a way higher bill than i was ever expecting. i check my old insurance claims and it looks like they denied the claims from sunday. weird, but whatever. so i call.
5 different phone numbers and 3 days later, it turns out that because i didn’t work on sunday (which i never had and was not supposed to), they terminated my insurance that morning. everybody knew that i started my new job on monday, but they decided that saturday was all i got. so on sunday i was completely uninsured and had no idea.
i know (now) that employers can elect to end insurance coverage literally whenever they want according to US law, but… idk, am i dumb for thinking that my old insurance would last until my new insurance took effect? or is this not normal?