Dealing with health insurance companies

the patient gets impatient

health insurance cardI know you’ve been asking, “Roger, what have you been doing since you’ve retired?” Besides doing some arts stuff and going to Indiana, of course.

Mostly dealing with health insurance companies, and one in particular. When I was working, my family and I had insurance under my name. I received a letter dated June 25 from The Insurance Company (TIC) that my coverage would terminate as of July 1, which I knew to be correct. And finally, on July 1, I received separate cards for my wife and my daughter, who are still covered.

But about July 10, I got a letter from TIC saying that the three of us were covered under my old number. I spent 30 minutes on the phone with TIC telling them that was incorrect. They blamed my former employer for the snafu. The benefits person at my old job said it was TIC’s fault. Still, ten days later, I get a letter stating my coverage was canceled. Good.

A week and a half after that, I get a letter from TIC welcoming me – and only me – to their service. This time I just called the work benefits person, who, by that time, feigned that she wasn’t bored hearing from me AGAIN. And two weeks later, I got my third TIC cancellation letter.

In late August, the office of my allergist, who I’d seen earlier in the month, called to say that Medicare, who they correctly billed, believes I’m still covered by TIC! I am to call the Medicare Coordination of Benefits people to straighten this out.

Of course, the Medicare COB phone number was not working. I called the main Medicare number and waited ONLY ten minutes. I explained my tale of woe. They removed my TIC coverage from their health insurance records. My allergist’s office knows to resubmit the claim in another two weeks.

None of this is especially difficult. But I get impatient doing thrice things I thought I needed to do only once.