Fibro Feelings – Insurance Woes
I’ve spent hours of the past week dealing with my health insurance. I can only imagine the mess I might have been in had my husband and I not been diligent. It all started earlier this year when my husband switched jobs. At that point we started Cobra coverage. Of course, that took weeks. Somehow his ex-employer had a delay with getting their paper work turned in. So it took around three weeks to get new insurance cards. We were supposed to have insurance through his new employer starting at the beginning of May.
After waiting the two weeks we were supposed to get our insurance we started making inquires. We were told a confirmation fax had been received when our coverage information was sent it. The insurance company said they never received it. It took another couple weeks to get that straightened out and then another couple weeks to actually get our new insurance cards. We didn’t get our new insurance information until five days before the end of the month and we didn’t get our actual insurance cards until a few days after that. This made buying prescriptions, having lab work done and going to doctor’s appointments quite a hassle. Luckily, all of my doctors were willing to see me anyway, even a new one! I had to pay cash for our prescriptions though and will now have to submit information to try to get reimbursed.
The good thing about the situation was that our Cobra plan had a 30-day grace period for payments. Just in case something happened and we didn’t get our new coverage for May I did not cancel our Cobra plan. I just didn’t make our payment. As soon as I had our new insurance information I started the process of cancelling our Cobra plan, just days before the end of the month.
Remember how I said that all my health care providers had worked well with me? They’d agreed not to bill until I called them with my insurance information. Three places DID bill though and one even got a payment from my Cobra plan. The health care providers all apologized and said there was nothing they could do at that point. This made squaring up all my doctor accounts a little more complicated. Supposedly my Cobra plan will just ask them to be reimbursed. What did I learn? I should have made all the health care providers delete my Cobra plan information from their systems so they wouldn’t get billed.
What has been your biggest insurance hassle?
*Image Credit: from www.flickr.com by quinn.anya