Can an employer drop insurance without notice and offering a COBRA plan?

Question Details: Apparently, my wife's employer who was paying for our health insurance stopped making payments for the August premium. Nothing was said to us by either the employer or the insurance company. Many authorizations were approved and took place in the time following the non-payment leaving us with huge medical bills we are unable to pay. Why didn't the insurance company say something to us and or why didn't her employer? Also, why would they approve procedures they knew they were not going to pay. The odd thing is they kept paying for prescriptions right up to October 1st, I believe. Is this even legal? Do we have any recourse to obtain payment for what they approved or would we have to go after her old boss?

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