Aahhh...health insurance. You have to love it, you have to hate it. With John's new company, we have switched over to a new health insurance plan. It would have been nice it if kicked in the day John started, which just so happened to be the last day of our old health insurance, but no, health insurance is never made easy. We had to wait until this month to get added on. Thus - a one month insurance lapse for cobra to take effect. Let it be known that we did NOT have to go the doctor for one ioda of illness during the month of February, so one would think that we would not have to worry about paying the $1500 for one month of cobra privileges.
No, health insurance is never that kind. If we do not want to be slapped with John's $7,000 bill for Remicaid every other month for the next nine months, then we have to pay a mere $1500 up front to continue our coverage so don't get hit with 9 months of no coverage for pre-existing conditions. So, I sent off the very expensive check two weeks ago thinking that would be the last of our insurance problems.
As my new insurance laughed at my non-worries, it reared up it's ugly head by first telling me we need to preauthorize all of our treatments...what?! We have to call our insurance, get the doctor to fax in a signed form, etc. etc. before we can receive treatment!! Okay, this health insurance is really turning out to be a pain in the neck, until I got hit with problem number two...
A letter saying we needed to prove our continuance of health coverage. Okay, one minor setback I thought...I just need to call my old insurance. THREE phone calls and three different companies later, I finally got the information I needed, but it's a lengthy process of about three things I have to do with both our old insurance and cobra to prove to our new insurance we have continued our coverage.
Meanwhile, poor John was supposed to get his last Remicaid treatment a week ago, but with all of the preauthorizaton and certification of coverage mumbo jumbo, he hasn't been able to get it yet.
So, in conclusion - you can't live happily with health insurance, you can't live happily without it. Where is the justice in this?
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6 hours ago
3 comments:
Don't even get me started on insurance companies! It makes me mad just mentioning the name. haha Oh, and just as an update on my wall hangings, I only have three left to sew. They are all ready to sew--I just have to find time. We have had one hanging up since Thanksgiving (although Thanksgivings went up on Thanksgiving Day!)
I hate insurance too. Nuff said.
The most frustrating I've dealt with was after a death! They didn't want to talk to me, they wanted to talk to the person who had died! I told them the only one who could PAY them was me and all of a sudden they'd talk to me! :-)
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