Location: FL USA
Hey all,
Llong story short, I purchased health insurance for my wife through the marketplace place at the beginning of this year. Everything was approved, and the policy was then started at a local health insurance company in my state. When I went to pay the initial premium to activate this policy, the company applied the money to the wrong account (an old policy I had years ago.) How this is even possible, I do not know, but it was confirmed that it happened.
Anyway, went to Dr a few weeks later and was told the policy is inactive. Call the insurance company, they apologize and say they will “send in a request to have the billing department redirect the funds to the correct account.” Ok cool! So I wait 2-3 days and call back. Still no movement. They tell me to wait again. Wait a few more days, call back. Still nothing. I ask to speak to a supervisor and get things escalated. Supervisor puts in an “escalated request” to get this resolved. Tells me to wait. Call back in a few days… still nothing. Now I’m livid. I tell them verbatim “just let me pay the premium right now and we’ll worry about the other money later.” They say they can’t do that. Tell me we are going to get this resolved, don’t worry.
Fast forward a week of waiting for “resolution” and now I’m told “sorry, you missed the premium binder deadline so the policy has been canceled.” Uhhh what?? I ask to speak to a higher supervisor, I do and I also file a grievance. They tell me they will “look into it and get it resolved.” In the meantime I call my local state department that oversees these insurance companies and put in a claim.
Another week goes by and the insurance company comes back with “we’ve processed your grievance and there’s nothing we can do, sorry.” lol They send a response to the state saying “we’ve processed are proper because we cancelled the policy due to non payment.” Ya… it wasn’t paid because you all screwed up!!!!
To make matters 100000 times worse, after the policy was cancelled, my wife gave birth (c section) so now I’m stuck with thousands and thousands in bills that should have been covered.
I’m so incredibly frustrated and tired. I’ve tried and tried everything to get this resolved and nobody cares. This company literally screwed me because of their incompetence and now I suffer the consequences. I’ve spoken to a lawyer, but even he was like “well we can try but it’s hard to beat these companies.” lol
Does anybody have any advice? Where do I go now? Who can I turn to? This whole thing has got me so stressed I can barely breathe. Any advice would be appreciated. Thank you