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Insurance Issue and question

SerendipitieSerendipitie member
in Snarky and T-TTC

When H got the layoff notice back in Jan, I called my benefits administrator and they told me I couldn't call until his last day of current coverage. So I had it in my calendar to call yesterday. I call, they pass me off to someone else. I call her, fax her, and email her, and no response. I call and email again, and ask to be redirected. Talked to a person there, they are processing.

At the end of the day after I'm gone, they email me telling me they need more information. I get them that info today, and they email me saying everything is done and it will take three weeks to get him processed. This whole time I have been stressing that he is right in the middle of a treatment plan and even one day lapse in coverage may result in his condition not being covered, but I email her back again asking if this is going to be retroactive to today? No response.

I am fuucking shitting bricks and ready to cry. Does anyone know - aren't they required to immediately start coverage? A layoff is a qualifying life change to add him to my insurance, but I don't trust these fuuckers. If his MFI doesn't get covered, we're fucked.

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