little unclear on who received funds they didn't post or cash, (doc's office has an ins. co. check?) but i believe the answer is this:
if you signed forms in a doctor's office that said you accepted responsibility for any expenses not covered by your health plan, you may be in a rock and a hard place unless you force your old carrier to make good on a claim that occurred prior to your transition of policies.
new carrier has fine print on application and all over new policy that states they aren't responsible for any claims that occurred prior to effective date.
group one agent, texas kelli atessis