I was recently laid off but instead of getting a monetary severance I got to keep my insurance for a couple of months because I had a small out-patient surgery to take care of. The Doctor called my insurance provider to approve the surgery because I told them I couldn't afford it ($5k) unless it was covered. My insurance provider approved everything. I paid my co-pay and had everything taken care of. Now this was in April. One week after the surgery my former employer canceled my insurance and was allowed to put in the cancellation date of January. Is that legal? Now the insurance company is saying that the surgery happened after my loss of insurance even though the surgery was approved by them and it happened while my coverage was valid. Is this all legal? Do I have any ground to stand on here? Thanks!