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28 April 2006 @ 01:12 pm
Is health insurance supposed to, y'know, kind of work?

My previous need for it was met by a heroic effort to retroactively add me *after* the last minute because my paperwork had been lost. When I called from the hospital, the reply was basically, "health insurance? You have no health insurance."

Oddly, that's got a lot in common with my second attempt to use it. Except apparently I had health insurance at my previous job, but they never stopped paying for it so I couldn't get it at my current job... So I couldn't file the claim here. And I needed a phone number and member number to even *talk* to anybody about my previous policy, which I thought had been discontinued months ago. I now have to be mailed a form, file the form, and pray they still think they've heard of me *after* I switch over to my current insurance... But the switchover is late enough that I can't file the claim under my current policy.

So I'm basically relying on their goodwill, or me being willing to sue over a fairly small amount of money.

That seems to be roughly how health insurance works... It's going to be horrifically painful to use, so you'd better be really badly hurt. Oy.
(Deleted comment)
BlackSheepblacksheep_lj on April 28th, 2006 11:22 pm (UTC)
I have independant health insurance for $170/month, a PPO with a $750 deductible, I believe.

If you need some, I have a good insurance broker that got it for me.

Rachel: Animeconmiss_mimsy on April 30th, 2006 11:05 pm (UTC)
Insurance broker?
If even he doesn't want the name, I would like to find an alternative to Cobra. pass it over to miss_mimsy at livejournal. com?