<prompt> Human: Friends of mine are having Insurance problems. If anyone has any advice its much appreciated. Long story short: My friend John and his wife Jane had a child on August 10, 2016. Jane was covered by Johns insurance. This is in Illinois USA. Last week they received a bill in the mail for 5k because they were retroactively denied Janes insurance through an audit 1.5 years later. After several phone calls, they found out that the birth of their child was considered a life changing event, so when John added their new child to their insurance, Johns company then dropped Jane saying that because Jane work full time for a different company that offers health care they would not cover her. They dropped Jane effective 12:01am on 81016 the day she gave birth. They are saying now so now Jane is responsible for her portion of the Dr. bill for giving birth at the hospital because she was considered uninsured. Jane was only covered by her works insurance effective when she returned from maternity leave. She even has a letter saying she was approved for delivery 89-812 even though now they are denying her. Is there anything they can do? the insurance company is Blue Cross Blue Shield.  <response>: Need to get a letter from her employer saying she was not eligible, stating the reason why, for insurance at her employer at the time of the birth. His HR benefits manager, assume it was through work, should not how to go through the appeals process.There should have been an appeals process also included in the letter. They also need to file a complaint with the Illinois department of Insurance Need to build a file now of the timelines, proof she was not eligible at her work and so one .Hope this gets solved. 