I know y'all have just been dying for an update on how the health insurance situation turned out. You can read
part one of that journey to refresh your memories.
Don't want to read it all again? Here's the cliff notes version: I switched health insurance plans this August from my family's plan to an individual plan through student health insurance at my job/school. Something happened and it turned out that
I didn't have health insurance for about a month--after I had already been visiting physicians. After
6 unnecessary visits and
4 unnecessary phone calls to deal with the situation, I thought I mostly had it squared away. I still didn't know if my deductible from the previous plan would roll over (most major medical plans allow you to do this, you just have to ask), but that didn't seem like the most pressing concern in September.
Fast forward to the first week of November.
I received an email from the student health insurance coordinator at UNMC. This is 2.5 months after I've written a letter to UNMC asking to have my deductible roll over. And she has just now finally received it. She is thoroughly confused (she was on vacation during the September situation) because according to her, I'm not even enrolled in the student health plan and no one has paid for it. The situation is convoluted and complicated, so I call her back instead of trying to mess with an email that will end up being more confusing than helpful (
5th unnecessary phone call).
Turns out the insurance was never charged to my student account because of a mistake by the student services folks, so it wasn't ever paid for by my graduate assistantship. Two more unnecessary visits (
7th and 8th unnecessary visits) to HR and accounting and about
15 emails later, it was paid for and dealt with.
So I thought.
Fast forward two weeks when I called the pharmacy for a medication refill and they informed me that
I didn't have health insurance again. Because my new pharmacy is amazing, they called the insurance company several times (
6th, 7th, and 8th unnecessary phone calls) to try and figure out what was happening--side note: initially this prescription was mistakenly ordered by a physician for me two weeks prior during the whole "it's not paid for" debacle and it ran normally as though I had insurance, so at least I knew I had insurance through that point. The insurance company informed the pharmacy that my plan had been cancelled (which, by the way, I don't think it's super legal to cancel someone's insurance plan without notifying them).
After several more phone calls (
9th and 10th unnecessary phone calls) and a very strongly worded email (
16th unnecessary email) to pretty much everyone I had been in contact with over the past semester regarding my health insurance
and all state and national political representatives, it seems that I have health insurance again and a guarantee that they won't screw up in the future (and a string of about another 10 emails--
17th-26th unnecessary emails). It turns out that because my plan was emergently issued in September, it didn't go through the correct channels at BCBS/Ascension and they cancelled the plan on November 20th (~2 months after they first issued it after I discovered I was without health insurance) (
11th and 12th unnecessary phone calls).
It was finally re-instated 3 months to the day after the plan was supposed to initially begin and truthfully, I'm not all that hopeful that something else won't go wrong again. Again, I say that it is not the fault of Affordable Care Act. There were processes that went wrong on both the UNMC
and Blue Cross Blue Shield sides--processes that have been in place far longer than the ACA has existed. I'd like to imagine that each company is evaluating their procedures to prevent this from happening to someone else, but honestly I'm not so confident that they are. But I do know that something needs to change because my experience was not acceptable.
If one of the largest employers and the largest insurance provider in Nebraska can't figure out how to coordinate their systems in order to actually insure people, how in the world is there hope for everyone else?
Oh, and I
STILL don't know if my deductible is going to roll over...