u/fastercheif

I am in Arizona USA. So around end of 2025 I got on BlueCross Blue Shield insurance via my employer. I was able to get back on Medicaid in January. I could not find a way to cancel my BCBS so I finally was able to call in to my companies benefits hotline. They told me to file an appeal and I sent one in on March 27th. Today I called back into check and they said it was denied because I missed a 90 day deadline. It was supposed to have been by March 20th and I can't cancel now until annual enrollment in October or have a life change event. I have not used this insurance at all and its costing me money each paycheck. I lost my food stamps and am behind on rent and need all the money I can get. Is there any way I can appeal this? Is it in violation of any healthcare law?

So around end of 2025 I got on BlueCross Blue Shield insurance via my employer. I was able to get back on Medicaid in January. I could not find a way to cancel my BCBS so I finally was able to call in to my companies benefits hotline. They told me to file an appeal and I sent one in on March 27th. Today I called back into check and they said it was denied because I missed a 90 day deadline. It was supposed to have been by March 20th and I can't cancel now until annual enrollment in October or have a life change event. I have not used this insurance at all and its costing me money each paycheck. I lost my food stamps and am behind on rent and need all the money I can get. Is there any way I can appeal this? Is it in violation of any healthcare law?