In an effort to keep updated on the medical front, I scheduled an appointment to see a doctor for an annual exam [annual, in this case, means for the first time in YEARS]. Unfortunately, it seems that my insurance is no longer working as it should! UGH. On top of that, I have been experiencing migraines [and accompanying nausea as well] lately. I really want to go to the doctor for that, but it appears that I might have to postpone such a visit until I figure something else out. I’m not sure what is causing this – stress? hormones? I’m somewhat concerned as this has never happened before, at least to this magnitude. Usually a painkiller would work just fine, but this isn’t the case now… While I sort all my insurance problems out, I’m visiting the acupuncturist.
Looks like I will be on the phone A LOT this week, sorting this out. As of June 30, 2008, my eligibility with my health insurance company was terminated. Fine, but then I signed up for COBRA immediately, so technically it should be active [and it says this on the administrator's site]. I sent in a form for the Premium Reduction, but I don’t even know if they got it or how to apply that to my first COBRA payment. Do I just not pay 65% of the total, or should I pay it all and have them reimburse or credit me later? Will 35% of the total just show up as what’s due, rather than the full 100%?
It shouldn’t be THIS hard! AND I am currently bugging them about a claim from a year ago at a doctor that is supposedly under the plan. Why are they denying me the charges for someone in the network?! *shake fist*
This probably all ties into the trouble I am having getting approval for my jaw surgery to come. If they don’t think I’m covered, well then – FUDGE.
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6 Responses to “Insurance Woes”
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Sorry to hear about your insurance problems. We're on COBRA, too. Your previous company is responsible for fronting the gov't mandated 65%. Businesses then file to get a reimbursed from the gov't. So, the people handling your COBRA should only be billing you for the remaining 35%. Hope that helps!
It's really amazing how screwed up health insurance is in the US. Fuck the insurance business!
I've heard worse stories… Glad mine isn't so bad YET.
Oh yeah, there are much worse stories, but that's not really my point. Note the preamble to the Constitution:
We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare*, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.
* HEALTH CARE
I've heard worse stories… Glad mine isn't so bad YET.
Oh yeah, there are much worse stories, but that's not really my point. Note the preamble to the Constitution:
We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare*, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.
* HEALTH CARE