Skip to main content

Cancelled

Last year my health insurance provider decided to jack up my monthly premiums by so much that the new premium would be $400.00 more a month than I actually earn in gross income. For the record, I made three routine doctor's visits in 2021 and had three rounds of blood tests. That's all I used my insurance for the entire year. Anyway, I could have asked my guy to help me with the payments, or pulled the money out of my savings account, but I decided to see if I qualified for government assistance. As it turns out I did, so I enrolled in that healthcare.gov program where they pay part of the cost, and then paid my first, greatly reduced premium.

My insurance provider got confused by this (I'm still not sure why), didn't log the change or give me credit for the first payment, or the one I made before that, and cancelled my insurance policy -- without telling me or sending me any notification -- retroactive to November 30th.

Fast forward to this month, which I spent in complete, ignorant bliss as to my insurance coverage status. I go and have my quarterly blood tests, and then see the doctor a week later to discuss the results. I'm doing better with my numbers, thanks to increased exercise and some dietary changes. As I go to check out the clerk at the front desk informs me that my insurance is "inactive." That's how I found out they cancelled my policy.

After much effort and confusion, I am insured again. I think. It's been a week, and I have yet to get any confirmation on that. I have one e-mail that says "Thanks for making your first payment" that I got when I made the first payment for the second time, and that's it. I'll have to pay for my January doctor's visit and the blood tests out of pocket because I was uninsured at the time. I also still have no idea why they cancelled my policy.

Health insurance should not be this much of a headache.

Comments

Post a Comment

Popular posts from this blog

Gifts

This is a story that starts out very sadly, so if you're depressed by the holidays you might want to skip the first part. As far back as I can remember I've dreaded the holidays. Being poor, having constant family troubles and belonging to a strict religion made that time of year always pretty unhappy. I just hunkered down and hoped to get through without being yelled at or punished because I didn't do something I was expected to do, like sit in church for hours without moving or making a sound while a priest spoke mass in Latin. Gifts were uniformly disappointing, too. My mother usually gave me dolls or socks or underwear for Christmas. I understand now as an adult that she was doing the best she could, and trying to save money at the same time, but as a kid I'd been told good children got what they wanted for Christmas. I was a pretty good kid, but while my friends received new bikes and cool toys and lots of treats from Santa, I didn't. I thought San
Post a Comment
Read more

We Have Backsplash!

Yesterday my guy and I decided to chose this natural stone as the backsplash tiles for our new kitchen counters (which will be in the same quartz I'm holding at the bottom of the photo.) Since all the bids for installing the backsplash came in very high my guy is going to put it in himself; he's done a bit of tile work in the past, too. I swear there is nothing this guy can't do. :)
Post a Comment
Read more

Detoxing Results

For twenty-four hours I left these five vintage cigar boxes sit with detoxing agents (baking soda, coffee grinds, dryer sheets, vinegar and Febreze) inside them to see which worked best to remove the tobacco/storage odors that came with them. I then removed the agents and did a sniff test. Before we get into the results, a reminder: none of what I do is ever meant to be expert advice, as I am certainly not an expert at anything. Follow my methods at your own risk, and please first consult an actual antique expert conservator or restorer to detox items that have value for you. Okay, let's see how my experiment worked. Baking soda (left) did nothing to remove the odors. I think if I let it sit for a longer period of time it might have done something, but for a 24-hour test it was a complete fail. Coffee grinds (right) removed 100% of the odors, and left behind definite coffee scent. I like that and think it goes very well with wood, but if you don't like the smel
Post a Comment
Read more