Freelancers Union Freelancers Union Health Insurance refusing to pay a legitimate claim Brooklyn New York

Freelancers Union will not pay a claim I submitted where i fell and broke a bone in my face.  They are trying to say I was in a car accident, but I was not.  I had to go to the emergency room and get x-rays and cat scans on my head, I fell face first on some pavement and the x-rays showed I fractured my ocular bone, as well as broke my finger.  The fall occured because I was leaning on a car I lost my balance and stumbled. Freelancers is saying this is an auto accident and refusing to pay my emergency room claim. 3 calls to their customer service tried to explain this was not an auto accident, but they insist it is. They are also reading the police report i provided them wrong, the reps think I was leaning on a "cab", like a taxi, each of the 3 calls I have had to explain it was not a cab but car; and that it had nothing to do with my fall.  Each of the 3 reps i spoke to in 3 seperate calls has told me they will escalate this for further review and assured me someone will call me back.  It's almost 5 months since the accident now and I have yet to receive a call back.

I paid freelancer's premiums for 3 years without ever submitting a claim. I am upset that the one legitamate claim i submit, they are trying to weasel out of paying. I paid well over 20 grand in premiums and the one major claim I submit gets rejected; feels like a hustle.

We recently dropped freelancers and went with obamacare, and it's very suspicious that this claim gets denied right as we switched.