The State Health Exchange called yesterday.
They called about an error on my account that needed to be sorted out.
Let me give you a time line to put it into perspective.
Oct. 1st 2013: I opened an account on my health exchange under my husband’s name and established myself as his representative.
Oct. 1st 2013: My password didn’t work so I called. I got through! They assured me it was just a glitch. I opened another one.
Oct. 1st 2013: My password didn’t work so I opened a third.
Oct. 1st 2013: My password didn’t work so I opened a fourth
(that goodness for so many free email accounts!)
Oct. 1st 2013: Things are looking good. I will save $400 a month on insurance. I’m pretty okay with all of this.
Mid October: The troubles begin with all of the stuff I have to do to prove we exist and aren’t in jail. Plus, I learn I input our income wrong and so they are going to charge us a money we don’t technically owe. I begin calling, but never, ever, ever get through. I email. You’ve had a taste of that fun in another blog post.
Mid November: My husband takes a new job. We no longer qualify for the discount because his new employer offers a policy we can buy into. I’m sad about this, but happy for other people who are saving money. He starts his new job in December. I start attempting to cancel my applications for health care.
Early December: I talk to my insurance company at length and am assured that I am all good. They are taking care of making sure those other applications are cancelled. They are making sure that my family policy rolls over to the correct new policy. I breath a sigh of happy relief. Oh, and since my husband’s employer pays for his insurance (though not ours) we are still saving $400 a month.
Mid-Early December: Two sets of insurance cards come for us: Neither of which are right. I call and attempt to cancel them both, again. I can’t. I’m not Daniel. But they assure me there’s no rush, it will be fine. Just have him call. But he’s at work, on a funeral, we’re leaving for Kansas in a couple of days. I am panicked.
We patch Daniel through. He cancel’s things. I sigh with relief.
Mid to Late December: Four kids’ programs, lots of shopping, lots of baking, and packing for a week away in Kansas.
Dec. 31, in Kansas I remember I have to apply for insurance for the girls and I THAT SECOND if I want to be insured in January. I apply. Now I am saving $500!! I don’t know why, but I like it! Then I realize I had input my birthdate as in 2013. Grumble. Phone calls. Emails. It might be corrected.
Jan. 8th 2014: The State Health Exchange calls. There is a problem with my insurance application. My first one. That one listed under Oct. 1 2013 where I make myself Daniel’s representative. Not the one I had to prove we weren’t incarcerated. The other one. The first one I never completed because a glitch in the program made it lock everyone out for the first two weeks.
I say to the guy, “Let me save you a lot of time. We no longer qualify, can you cancel this application?”
He says sure.
I express my doubts.
He says, “Wellll, we can’t really cancel it but we can move it to the dead files.”
I thank him. And I totally understand why he had such a frazzled and scared voice.
But after I hang up I realize: He’s going to call like five more times, isn’t he?
I wish I had thought to make sure he cancelled all of them.
But anyway, he called, he cancelled.
Jan. 9th 2014: I receive an invoice in my email for the policy that the insurance company sent me cards for but promise me they have already cancelled.
God bless America! :S