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.