It's 7:38 am. I open a letter from Blue Shield Health insurance which tells me my insurance is being denied/and or cancelled because they have not received my whole payment. Which IS A LIE. And it starts. My heart starts beating faster. I can literally feel the heat run down my veins. My shoulder tightens. I soon grow to the size of The Incredible Hulk. And I basically take on the mentality of this Kramer.
I am lucky enough to get some government assistance on my health insurance because I'm currently unemployed. This is awesome and I'm totally grateful. Except for the part where I have to rely on a bureaucracy to do something right, and in a timely manner. It also tests my tendencies to want to be in CONTROL OF EVERYTHING!!
Here's the story. I originally called to inquire about the Covered California plans late December. At this point I was on a Cobra plan from my previous job and just getting information. But some IDIOT... wait. I'm sorry. That's not loving or enlightened. Some (grimaces in pain trying to come up with something nice) very misguided lady, who was very busy with other important things so she couldn't fully listen to what I was saying, entered me into the computer with a start date of January 1. But I had just called to get a quote for how much government assistance I qualified for. I HAD ALREADY PAID FOR COBRA THROUGH FEBRUARY.
When I realized this, I called back and some other COMPLETE MORON, I mean super nice lady who thought she was being helpful but didn't know what the hell she was talking about, assured me that this was not a problem because I hadn't even picked a health care plan yet so that didn't matter. For my plan to start March 1 I just needed to pick a plan by February 20. This made perfect sense to me so I continued about my business.
So I did pick a plan early February, and when I went to make the first payment it said I OWED TRIPLE for January, February, and March. How I could pay for the month of January on a plan that I didn't even pick until February 15 is beyond all constraints of logic I possess. So. First stage of hulkness began and I called Covered California, the government run agency that pays for a portion of health insurance for low income residents. I explained the situation to a really understanding and helpful man, who unbeknownst to me was still a HUGE NITWIT. He said he saw what happened and would amend that plan for a March 1 start date. I went onto my online profile for Covered California and it now said I only owed one payment for my insurance to start March 1. Crisis averted.
Except it wasn't. This agent never contacted the insurance companies with the change (I told you he was a nitwit! I mean, a well meaning man who just didn't know he had to follow through.) So I then start getting letters from the insurance companies saying I owe three months of payments. I STILL want to know how they expect me to pay for January and February when I hadn't even received my health insurance cards, therefore couldn't actually use the product they were selling. If this is how consumerism works, clearly I am doing something wrong. And everyone owes me $25 for my book that's coming out next year. I haven't started it yet, but trust me, it's gonna be GOOD.
So I called Covered California AGAIN. And some nice lady (nice, gotta trust nice, because my brain is screaming HALFWIT) told me that they would "accelerate my claim" and send a letter to the insurance companies. But this morning I open the letter from Blue Shield saying my plan was being cancelled for lack of payment. I literally felt like the floor was splitting open and I was pummeling down into fiery lava. Because, surely, this is what Hell feels like. I immediately pick up the phone to call them but, of course, it's still only7:48 in the morning and they aren't open yet. So. I. Have. To. Wait.