I am so upset right now. I just found out yesterday that they cancelled Matt's insurance policy, and didn't bother telling us!!! He went to the pharmacy to get his insulin, and they told him he didn't have insurance anymore, so we couldn't afford the insulin.
They accepted AND CASHED our last check to them, which was for two months worth b/c we were behind. We had fallen behind on it, so I called them and told them I had the money to get us current, and she told me that as long as I sent it out that day, they wouldn't cancel me. So I sent it out certified mail, and called her back and gave her the tracking number, and she told me that they wouldn't cancel.
I called them this morning, and they said that they didn't see the memo and cancelled it, but cashed the check b/c I already owed them. They said that they would give him the insurance back, but that they are not legally allowed to reinstate it without our consent, BUT THEY DIDN'T EVEN BOTHER TO CALL US AND TELL US WHAT WAS GOING ON!
They told me that all I have to do is send them a letter stating that we want his policy reinstated along with a months premium, and that his policy would be effective again in 30 DAYS!!! WHAT are we supposed to do about diabetic supplies till then???? We have spent $6000.00 on medical bills this year WITH insurance.
And, the reason things are financially tight in the first place, is b/c MY insurance, which I have had WITH maternity coverage since last October, has not covered ANY of my maternity claims, and say they are not going to, just b/c I had insurance with another company just days before they started covering me. WHY does that matter?? I don't have coverage with them NOW, and haven't through the entire pregnancy!!! I cancelled insurance with the previous company last September, and I didn't get preggo till April. So now, just like with Alyssa, we are going to have to pay out of pocket for maternity care, hospital fees, and pediatric care during the hospital stay. I don't know what to do, b/c we don't have the money for all of that.
My head hurts so bad right now, I am so tired of all of this. I hate insurance.
I think insurance is just one big scam! :angry:
I'm so sorry you're going through all of that. (((Hugs))) :hug2:
I will pray for you.
I hope you get everything straightened out soon!
if you need to talk, pm me!
I'm so sorry. I know how important insulin is. My sister is diabetic. Insurance is a scam! I hope you get things worked out soon. I will pray for you.
Well first off I would be typing up a letter and faxing it to their office the next minute, hour, or day demanding that the "idiot" didn't read the memo correctly in the system and cancelled your insurance after you had called and made arrangements because of your husband being a diabetic.
I would ask them for a statement of what they said about being reinstated within 30 days and bring it to your pharmacist and see what they can work with you. Also if you have spent 6000.00 so far this year in medical supplies I would be deducting it off of your taxes at the end of the year, JMHO.
Secondly with the insurance plans.....Once again, as a prior insurance carrier worker..there should be no reason as to why they dont cover you, period. If Matt's insurance was your only means before then Matt's would be primary. Then say you got your a few months later then yours would be primary and Matt's would be secondary. Same with pharmacy information. But insurance companies also have the right to deny information (which I think is totally wrong because of my seizures) due to what they call pre-existing illnesses. But decent insurance carriers will cover all bills depending on your plan (after copays etc) from your coverage start date to your coverage end date. And in a nut shell if you had two insurances you should not of had to pay co pays because they rule each other out except for pharmacy co pays that you have to send into the second carrier on your own and hope for a reimbursement.
I hope this makes sense, I had a hard time understanding what you were trying to say with the insurance companies. If I am wrong then just disregard what I just wrote....lol
But all in all I hope things get worked out with you and your situation real soon.
OMG! I couldn't EVER even imagine not getting the meds I'd need to keep me alive...
I can't even imagine EVER PAYING for them!! I think that is absurd!!!
I'm sooo sorry you're having to pay for these things....
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