A THCB reader in California writes in…
“As it happens my husband has medical issues so we know to stay on top of our heath care. Our insurance canceled us after years of paying high premiums. We were happy with the coverage and our doctors. We just did not have maternity or pediatric, dental [care].
We are 64-62, children in their 40s. No need there.
They offered us a policy that was $1750 per month with deductibles and out-of-pocket costs no one would ever reach. We went on Covered California to find a policy. We found one with the same company so we thought our doctors and hospital would be in-network, paid the premium Dec 4, and left for Christmas out of state feeling pretty safe.
When we returned we received a letter from Blue Cross stating that they did not receive our payment. And so our metal anguish starts!
I called, was on hold three hours. The system hung up on me [and] called back. Was on hold two hours with Covered CA. When someone came online we spent another hour trying to locate the application. They said that Covered CA had a glitch in the system that was duplicating people. We had three people on our application that was why Blue cross did not take our payment. They said they fixed it took another payment and promised all would be fine.
Went to get my husband’s medication to find out we were not covered. He had to have the meds. Came home and spent eight hours on the phone between Blue Cross and Covered CA trying to fix it. They told me to pay out of pocket for my husband’s medication until they fixed the problem.
I told them that my husband had a doctor’s appointment on Thursday that we could not postpone. It was with his Cardiologist. They had no idea except to pay-out-of-pocket. Went to the appointment, the doctor said he needed an operation NOW.
We told him about the insurance issues and had to postpone the operation until the next Friday hopefully the insurance would be in force by then…”
If you have questions about the Affordable Care Act or your buying insurance on the federal state exchanges, drop us a a note. We’ll publish the good submissions.