Hi there, I'm going to start by saying that I am in college. The only reason I say that is to encourage someone to read this (by means of pity) and possibly refer me to a more proper place if this isn't a good place to ask this type of question.

I worked for a company that has Blue Cross for medical and ODS for dental. I needed to have my wisdom teeth removed, so I called Blue Cross who said that they would normally cover 80%, but if another insurance company is involved, would cover nothing. I then called ODS who said they will cover 80% of the entire procedure (two teeth and anesthesia).

I, like a dummy, told the dental surgeon office to bill only ODS. I paid over $1000 upfront, expecting a reimbursement. I just received a statement from ODS saying they have covered $0 of my procedure.

To make matters worse, I no longer work for this company that provided insurance. To be exact, I had the surgical procedure performed on October 10, 2008, and stopped working at my company on October 16, 2008, and both of my insurance provider's coverage ended on October 31, 2008.

Could someone please offer any type of advice? This money means everything to me. As a poor college student, the reimbursement money I had expected is enough to repair my car. Is all hope lost? Can I fight this? Should I call ODS and tell them they need to pay? Or do I call the dental office?

Thank you so much for any advice, or even a referral to a different forum if this type of post is not welcome here....