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My health insurance, it doth fucketh me.

Bloomingdale's Hope
Remember when a doctor refused to see me because my health insurance was so sucktastic? Yea, well at least I had health insurance then.

This morning I went to the pharmacy to pick up a couple of prescriptions. After they had me wait for 10 minutes, they explained that while my prescriptions were ready (good thing, since they're my blood pressure meds, and I'm totally out of one of them), my insurance company said that my policy had been terminated at the end of October.

I looked at my card. It was *issued* on November 8th. I showed it to the pharmacist. She suggested I call the insurance company.

By then I couldn't wait around the drug store anymore, so I went to work. I thought I'd noticed a check clearing my account recently in the same amount as my insurance premiums, and once I was set up at my desk, I logged in to my bank account. Yup -- they're totally still cashing my checks.

I called the insurance company. The woman on the phone said they hadn't received payment since October. I told her about the check they cashed and she asked me to email an image of it to her. I did. She said she'd look into it and get back to me. She didn't.

My work day ended and I still hadn't heard back from the insurance company, although I *did* get a robocall from the drug store, telling me my prescriptions were ready. I figured maybe that meant everything got hammered out and walked back over to the pharmacy.

Nope. Still terminated.

I called the insurance company again. The woman I reached this time told me a whole series of things that made very little sense. First she said that there was a note that I was supposed to email them a copy of the December check, but that they hadn't received it yet. I clarified that I was supposed to email the *November* check, which I did (six hours earlier), but that I couldn't send them a copy of the December check, since they hadn't cashed it yet (I did mail it in December, but I have no way to prove that until it's cashed). I started to read back the email address that the first woman gave to me, but the second woman didn't have that info, and anyway, she said that they didn't need a copy of the November check because their system already showed that they had received it. I asked why, if they received the check for November, did they say that my policy was terminated on October 31st? She explained that they cashed the check, but marked it for refund (if you weren't going to accept it, then why did you cash it?).

I asked if I could pay the December bill over the phone. Sure, she said, but only with a check. Then she changed her mind and said that I couldn't pay, because the November payment was marked to be refunded. She said that she would fix that, then call me back so I could pay for December with a check over the phone. No clue as to what they plan to do with the check I *mailed* in December, but I guess that's another story.

So that was more than an hour ago and -- you guessed it -- she hasn't called. Meanwhile, I'm out of vital medicine, *and* the money I've sent them to cover my premiums. It would be one thing if this was the first time something insane had happened with these people, but shit. They cover nothing. They cash my checks and *then* cancel my policy ... I am so fucking screwed.

Comments

( 7 comments — Leave a comment )
_aqualung_
Jan. 3rd, 2013 11:59 pm (UTC)
What are you taking for your blood pressure? I get mine for $4-$10 at the local Giant Eagle, and that was before I got insurance.
hopita
Jan. 4th, 2013 12:16 am (UTC)
I think mine were going to be somewhere in the $40 - $50 range, tho that's for a three month supply.
furious_mold
Jan. 4th, 2013 12:01 am (UTC)
I'm sorry. This sounds like a nightmare and totally wrong.

Reminds me of the crap I dealt with when the car got repossessed. The bank claimed I wasn't paying, but they accepted my money every month, I had a record of every payment on my bank account - yet, they still told me they weren't receiving payments. Then...well, you know the rest.

My uncle has worked for the same airline company for over 20 years. He had an issue with his employee health insurance payments, so he called human resources at the airline company to get the matter sorted. He's an aircraft mechanic and works late shifts. The woman at HR said, "There's no file for you.". She said he didn't work there. He assured her he did. She asked him when his shifts were. He told her. She said, "No one is at the airport that late!". He hung up on her.
ratphooey
Jan. 4th, 2013 12:08 am (UTC)
What aqualung said - most BP meds are dirt cheap.

Also, keep yammering at those bozos. Yammer your way up the totem pole til you get to someone who can fix things.
hopita
Jan. 4th, 2013 12:15 am (UTC)
Just tried to call back. They're closed. Looked on the website for a way to pay there. Nada. So fucking pissed. HA -- bet *that* can't be good for my blood pressure!
anarqueso
Jan. 4th, 2013 01:47 am (UTC)
Call the regulatory agency in the state that your insurance company operates. Fuck that.
decafdyke
Jan. 4th, 2013 02:23 am (UTC)
Yuck. Second what others have said about yammering up the ladder at the company and also complaining to NYS. Also, document (names and dates and times for each interaction with the "insurer," the pharmacy, the regulators, etc.)
Once upon a time my car insurance got cancelled erroneously and I was able to get it reinstated retroactively for the time when I had been paying on a "cancelled" policy. Not sure whether that ever works for health insurance.
( 7 comments — Leave a comment )

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