<prompt> Human: Im 19 and he is 20. He just got a full-time position at his job about a month or two ago but apparently his benefits havent started or come through yet?? Im completely ignorant with all of this, but he had no insurance and his parents have no insurance. What do we do now? He has amazing credit and hes destroyed right now thinking that his life is over. I dont know where to go or who to talk to or if there is anything we can do about this. Im in nursing school making next to nothing and he works overtime but has bills and definitely cant pay 16,000 anytime soon.  <response>: Hospital billing will work with you. But, maybe hopefully his benefits will be backdated to his date of hire or his start date. If this happens he should be able to submit the claim to the insurance company. You should be able to log into the insurance companies website and find your planpolicy and forward the group ID and policy number to the billing department and have if submitted to the insurance again. 