Fuck insurance, fuck service centers

ASmallWonder

I'm so pissed.  We changed insurance for this benefits year.  I've paid for the insurance and yet, I have no insurance.  I called last week to find out WTF our benefits cards were and was told they had no record of us.  I called our HR service center and they tell me it was submitted with everyone else's but they'll resubmit and it'll be ready in 48 hours.  I call again today because I still have no cards and I'm told I still have no insurance as far as the insurer is concerned.  It was like pulling teeth to get one person on each end to commit to being the ONE person on their side to bring this to a resolution because I'm sick of re-explaining it to whoever answers the damn phone.  They're both "looking into it."  Nice.  God knows that if the screw up had been on my end I'd be told "Too bad, so sad."  Yet here I am, paying out of pocket for my kids' doctor visits because I have zero proof of insurance.

Rage.

RondackHiker

What the hell.

Once it is fixed, will you be reimbursed? Does everyone else in your office have insurance?

ASmallWonder

RondackHiker said:

What the hell. Once it is fixed, will you be reimbursed? Does everyone else in your office have insurance?

In theory.  But I already know what a clusterfuck that's going to be.  Technically I'd be paying out of pocket for these visits anyway because we have a deductible but I just know it's going to be like pulling teeth to get them to acknowledge what I've paid and apply it to the deductible.

MrsCodeMonkey

We just got our new cards 2 days ago. DH had to postpone getting his migraine medicine or pay a lot out of pocket. I hate how slow the process is. If I pay for a service I expect to be able to use it.

SpaceGirlSpiff

We're still waiting for our new cards too... All the insurance broker keeps telling us is everything is severely backed up due to ACA

I THINK our insurance has been activated (because Anthem called wanting to set up their health coach service), but still no sign of the cards... 

Edited because reading fail 

ASmallWonder

Not having cards would annoy me for sure and that's all I thought it was.  But since Blue Cross swears up and down I'm not in their system, that's a huge issue.  I love how they can screw up so badly and just shrug.  No one on either side of this issue jumped up and said "We need to fix this NOW."  They're like "We sent the info *shrug*" and "We didn't get it *shrug*"  Awesome

ASmallWonder

pobrecita said:

elmoali said:

RondackHiker said:

What the hell. Once it is fixed, will you be reimbursed? Does everyone else in your office have insurance?

In theory.  But I already know what a clusterfuck that's going to be.  Technically I'd be paying out of pocket for these visits anyway because we have a deductible but I just know it's going to be like pulling teeth to get them to acknowledge what I've paid and apply it to the deductible.

But the costs would be different for BCBS vs cash. What a cluster. I'm sorry.

Ugh, the cost difference hadn't even occurred to me.  Thanks for adding to the cluster (j/k!)

ASmallWonder

Ok so how long do I give them this time to fix this issue?  I got off the phone with them at 10 and it's now 3:30.  I told them I wanted this resolved by end of business today and they assured me they'd call.  I have zero confidence that I'll hear from them.  Should I call and demand to speak to the account rep (whose name I managed to drag out of the person I spoke to earlier)?

RondackHiker

elmoali said:

Ok so how long do I give them this time to fix this issue?  I got off the phone with them at 10 and it's now 3:30.  I told them I wanted this resolved by end of business today and they assured me they'd call.  I have zero confidence that I'll hear from them.  Should I call and demand to speak to the account rep (whose name I managed to drag out of the person I spoke to earlier)?

I'd call and ask to speak to the account rep and start out super friendly and polite with him or her and ask for an update. Then break out the "fix it NOW" if you have to.

TiffanyBerry

Oh man!  That sucks!  I hope they get back to you soon.

That would freak me out!

nancy30005

I agree w/ @Rondak. I had a similar situation with a call center and the rep was like "ho hum". I called the next day (very polite) and mentioned the words supervisor, escalate, and serious, and the problem was resolved. 

This is your insurance, @elmoali. Channel your inner mama bear. GL!

ASmallWonder

I called and it's fixed but customer service is in the shitter.  I specifically asked them to call me with an update and they didn't so I just wasted 15 more minutes to be told, nonchalantly "Oh yeah, it's all set."  Beyond the fact that they ignored my specific request, let's see, you've got a customer calling multiple times NEEDING their insurance information and you don't think you should call them to let them know it's resolved?

angelashly

I used to work for a broker. I will say that Blue Cross was the worst to deal with, but they were good with deductible credits. Just keep all receipts.

When did your policy change? I ask because your hr technicaly had till Jan 4th I believe to turn everything in and it takes a week or so to get everyone in. Do you think your application was forgotten somehow?

Sorry this is a pain