Folks, I wish I could come up with a better title to encapsulate my rage. My utter, complete disdain. I am about 3.2cm from stepping right the fuck over the edge. I’m hoping this little rant will take the mentally- and emotionally-crippling anger down to a point that I can actually talk to these fucks tomorrow without the need to toss a bail bondsman’s salad to be considered bondable.
I’ll try to be brief and may leave out some details, so addendums may be forthcoming.
Last year my wife took a job with the hospital that offered health insurance with BC/BS on the first of the month following her start date. This was important as a 60 day lapse of coverage makes anything diagnosed a pre-existing condition. She worked for a bank for 8 years that switched insurance with 6 day’s notice that wouldn’t cover what we were currently being treated for. There was little choice.
6 weeks later I landed a job that had day 1 coverage, so I dropped from her policy.
This year we decided we’re better off putting her on my BC/BS policy. The coverage is stunningly better than hers and it would be cheaper having her as a rider than having 2 seperate policies with the same insurance companies. We both have BC/BS, we didn’t see any problem here.
I learned today there is a big fucking problem. We’re paying double for her coverage with no additional benefit.
Starting January 1st, I’m paying her premium, and she’s paying her premium. Essentially, she has two health plans at the same time. Now, we knew there would be a brief overlapse of premiums, but for a week we figured it was one of those things we would just deal with.
Why the fuck did I think having both the major health insurance company and the only hospital in the region dealing with each other against us ever work out in our favor?!?
My wife called HR to let them know that as of Jan 1 she was covered on my policy and would cancel coverage on Feb 1. The inception date of coverage was Feb 1, 2005. During open enrollment.
Read that again. Feb 1, 2005 was the open enrollment date when we got coverage through the hospital with BC/BS.
When she called today to cancel, she was told she missed the open enrollment and couldn’t drop the policy.
She was told she couldn’t end her coverage. There was no choice in the matter. Her payroll deduction would continue. And mine will continue. My wife has 2, count 'em, 2 health insurance policies in effect right now. And according to the assclowns at the insurance company, there is no way to correct this. I’m seriously thinking about taking her in for a full physical and demanding a check from the billing department since they’ll be paid on both policies.
My policy went up Jan 1 because I’m a scummy, evil smoker. The rate increase is justified by increased costs due to tobacco. (They made a very concerted effort to point out that drinkers and fat people didn’t increase costs. I swear on my mother’s grave there were flyers stating that.) So I signed the Affidavit of Second-class Citizenship when submitting the change in health coverage to include my wife.
I can deal with an increase. My Rx coverage gives me a net gain even if the premium tripled. But now they don’t even offer a reach-around collecting twice on my wife.
I’ll tell ya, I wish this would have helped a bit getting it off my chest. It isn’t. My head is pounding and if I had a generator pedal under my foot I could power half the neighborhood. 3 fucking policies being paid out of our pockets for 2 people.
I hope and pray every fucking insurance company and hospital goes bankrupt.
And I hope I’m still a free man tomorrow to visit with you all again.
Fuck my toe, I’ve never been this pissed.