christywells

Send Message

Block

Add Friend

O.K. I AM GOING TO DO A LITTLE RECAP ABOUT MY SITUATION. I FOUND OUT THAT I HAD A WAITING PERIOD, WHICH I DISPUTED AND IT CAME BACK IN MY FAVOR. THEN I FOUND OUT THAT MY INSURANCE NEED TO BE THE SECONDARY AND MY HUSBAND INSURANCE NEED TO BE THE PRIMARY. SO I CALLED MY EMPLOYER AND THEY SAID THAT YOU CAN NOT SWITCH THE INSURANCE WHEN IT IS YOU OWN PERSONAL INSURANCE. SO WE CALLED BLUE CROSS AND THEY SAID THE QUICKEST WAY TO DO THIS WAS TO DROP MY INSURANCE AND MY HUSBAND INSURANCE WILL BE MY PRIMARY INSURANCE. AND OF COURSE I AM DOING ALL OF THIS BECAUSE MY INSURANCE DO NOT COVER ANY TYPE OF WEIGHT LOSS. TO MAKE A LONG STORY SHORT I AM NOW IN THE PROCESS OF DROPPING MY INSURANCE AND PICKING UP HIS INSURANCE AS MY PRIMARY. AND ONCE WE HAVE OPEN ENROLEMENT AGAIN I CAN GET BACK ON MY INSURANCE, AFTER I HAVE HAD THE SURGERY. SO NOW I AM HAVING TO WAIT ABOUT 30 DAYS UNTILL THEY GET EVERYTHING STRAIGHTEN OUT.............

WELL THAT IS MY STORY. I WILL TALK TO YOU ALL SOON.

O.K. MY DOCTOR OFFICE CALLED ME TODAY AND SAID THAT MY INSURANCE WHICH IS MY PRIMARY INSURANCE DO NOT COVER MY SURGERY AND MY HUSBAND INSURANCE WHICH IS MY SECONDARY INSURANCE DID COVER MY SURGERY. WHICH I ALREADY KNEW BUT WHAT I DIDN'T KNOW WAS THAT I NEED HIS INSURANCE TO COME FIRST SINCE MY INSURNCE DO NOT COVER IT. SO I CALLED BLUE CROSS AND THEY SAID THAT I DO NOT HAVE TO CANCEL MY INSURANCE, JUST LET MY DOCTOR OFFICE RUN MY INSURANCE CARD AND WHEN THEY DENIE MINES BECAUSE OF NON COVERAGE IT WOULD PICK UP ON MY HUSBAND INSURANCE. I WAS GLAD TO HEAR THAT. HOWEVER THEY ARE SAYING THAT I HAVE A PRE-EXISTING CONDITION PERIOD THAT I WILL HAVE TO WAIT TILL JULY. BUT I TOLD THEM THAT I SHOULD NOT HAVE ONE BECAUSE I HAVE HAD INSURANCE FOR ABOUT 5 YEARS WITH OUT NO COVERAGE LASP. SO I HAD TO FAX THEM OVER MY CERTIFICATE FROM MY LAST INSURANCE COMPANY SHOWING THEM THAT I HAVE HAD INSURANCE FOR A WHILE. SO I AM WAITING ON BLUE CROSS TO GIVE ME A CALL BACK .

HAVE ANYBODY EVERY HAD THIS PROBLEM?