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*pissed* (about insurance, nothing juicy)
So thanks to Obama, Mr M's employer offered a new plan this go-round. It would have kept our PPO network, no authorization, but switched to high deductible with preventative care still covered. Cheaper premium, obviously. Plus, the company would have put a nice chunk into an HSA. An HSA that rolled over into the next year so we wouldn't have to worry about using it up. We'd have put enough into the HSA to cover minor emergencies, and the deductible was low enough that we could meet the family deductible from savings if there was a big emergency. And most years we don't use non-preventative care.
And that chunk just plopped on us by the company? Would have covered half of our portion of Bug's braces for the year.
One catch: we couldn't have any other insurance.
Well, I'm not working.
Oh, but I am in school. And there's a crappy student insurance you're automatically enrolled in. But no big, I'll just prove I have other insurance and get out of it, right? I don't like that the fee is non-refundable, but it's a pretty tiny fee b/c it's a pretty tiny plan.
The bastards won't let me opt out. Won't let me cancel.
First they advised me to just commit insurance fraud by not billing the student insurance.
Then they asked me to try and get an exception through Mr M's work. Mr M's work is going by the IRS guidelines. The IRS doesn't make exceptions.
They shrugged. Then told me the reason they can't take me off was because someone would have to search through the roster to remove me.
The alphabetized roster.
*blink*
Someone can't take 5 minutes to search the roster? Can I do it?
They bumped me up to the Dean's office, which is, as far as I can tell, a giant black hole that swallows any complaint with no response.
And the clock ran out on the enrollment period last night.
*is pissed*
"The meek shall inherit the earth" isn't about children. It's about deer. We're all going to get messed the fuckup by a bunch of cloned super-deer.- samfish2bcrab
Sometimes I wonder if scientists have never seen a sci-fi movie before. "Oh yes, let's create a super species of deer. NOTHING COULD POSSIBLY GO WRONG." I wonder if State Farm offers a Zombie Deer Attack policy. -CaliopeSpidrman
Re: *pissed* (about insurance, nothing juicy)
What the hell!
Did you contact the state attorney general's office about this? They are supposed to have a division that deals with insurance.
Well, the enrollment period is out so I don't feel as motivated. I guess I'll see if the Dean's office replies at some point. I think the last time I needed something it took about a month.
The whole situation is beyond bizarre. I understand they negotiated better terms by making it mandatory, but how can they justify it if it's hurting their students?
"The meek shall inherit the earth" isn't about children. It's about deer. We're all going to get messed the fuckup by a bunch of cloned super-deer.- samfish2bcrab
Sometimes I wonder if scientists have never seen a sci-fi movie before. "Oh yes, let's create a super species of deer. NOTHING COULD POSSIBLY GO WRONG." I wonder if State Farm offers a Zombie Deer Attack policy. -CaliopeSpidrman