Topic: HELP! -FAST- INSURANCE LAPSE

Forum: Employment, Insurance, and Other Financial Issues — Employment, insurance, and financial concerns are common. Meet others here to discuss and for support.

Posted on: Feb 8, 2011 07:26PM

Posted on: Feb 8, 2011 07:26PM

jessicav wrote:

Hello-

 HELP! PANICKING HELP!

So, to make a long story short, my insurance company (Blue Cross/independent policy) just sent me a letter telling me they cancelled my insurance  (as of Dec 1) because a few of my premium payments had bounced throughout the year. But I had always rectified it. This had happened because my new employer (who paid commisssions late) does not have direct deposit. I would pay my health insurance by check on the phone. I didn't know my paychecks were being held by my new bank 3-5 days.

I sent 2 checks in Jan and one did not clear. Blue Cross said one of those checks applied to Nov.?? Then dropped me.  So, I have a lapse. ???

31 days Dec

31 days Jan

Today is Feb 7.

Over 63 days. 

They denied my request for reinstatment today on the phone. They said I should re-apply but I think thet were just waiting to do this. Can they do this? 

Please what can I do..quick.  SOS!

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Feb 8, 2011 07:42PM catbill wrote:

Hi jessicav-

I live in Minnesota, and I know that in my state, they can terminate you for non-payment.  I don't know if there is any way to appeal that, but if your state has a risk pool, you may be able to qualify for that.  Typically, you can only qualify for that if you have been denied coverage elsewhere.

Another option for some is Medical Assistance, but you have to meet financial qualifications for that program.  I don't know what other options might be out there, but I'm sure someone will have an idea.  Here's hoping...

Oncotype 8, no chemo, no rads, bilat mastectomy, on Arimidex Dx 9/29/2010, IDC, 1cm, Stage I, Grade 1, 0/2 nodes, ER+/PR+, HER2-
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Feb 8, 2011 08:00PM lago wrote:

I thought they had to give you a certain number of days warning before they could cancel you.

Here is a list of states with high risk pool insurance plans: 
http://www.cobrahealth.com/statehighriskpools.html 

In Illinios you don't have to wait 6 months. I am currenlty on this:
http://www.chip.state.il.us/default.htm  

DONE!! goo.gl/IoaN6U • Tattoos 2.7.2012 • Nipples 10.6.2011 • Exchange 6.24.2011 • Chemo 1.18. 2011 • BMX 8.31.2010 Dx 7/13/2010, IDC, 5cm, Stage IIB, Grade 3, 0/14 nodes, ER+/PR+, HER2-
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Feb 8, 2011 11:15PM jessicav wrote:

Catbill-

I will check out the risk pool but isn't that very expensive. It's not that I didn't pay, it's that I bounced a few checks but made good on them asap. I work on commission and never know when employer will decide to cut the checks...so frustrating... they say checks are ready and then not...a few times, got a paycheck which wasn't even signed and had to bring it back in...causing havoc!

Lago-

is the risk pool really pricy? Yes, I thought they would give me a certain number of days of warning. How can I find out if they have to do this? I had no idea...really thought I was good. They made this determination to cancel me on Jan 27 and the letter informing me is postmarked Feb 2. But absolutely no warning letter. I would never have allowed this..Yes, a warning letter..never got one...

Thanks ladies...please send info...going to be a long night. 

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Feb 9, 2011 08:12AM lago wrote:

Jessicav I would call the insurance company if you haven't already and discuss. If they seem not to budge, and I mean even extending your coverage for 1 month so you can find an alternative insurance let them know you will report them.

Yes the risk pool is expensive but it's not more than what we were initially paying for cobra. I think its around $700 a month for a $1000 deductible or me including a prescription plan (BC&BC of IL). Covers 80% in network, 60% out of network. That's a lot cheaper than no insurance at all.

The high risk pool is supposed to be a temporary solution till you find a job or Obama's plan kicks in (2014). Call them. They were full of information and very helpful. You may even be able to discuss the issue with your current insurance.

DONE!! goo.gl/IoaN6U • Tattoos 2.7.2012 • Nipples 10.6.2011 • Exchange 6.24.2011 • Chemo 1.18. 2011 • BMX 8.31.2010 Dx 7/13/2010, IDC, 5cm, Stage IIB, Grade 3, 0/14 nodes, ER+/PR+, HER2-
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Feb 9, 2011 08:26AM motherofpatient wrote:

Jess, call your state insurance commissioner at your governor's office. Then call your state and federal lawmakers and tell them how your company's pay problems and your bank's holding checks caused this. What bank was it - a biggy piggy like BankAmerica or Citi who got taxpayer bailouts?

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Feb 9, 2011 08:35AM kmccraw423 wrote:

I would contact somone at the Dept of Labor regarding ERISA to find out what your rights are.  I know they can drop you for nonpayment.  I don't know what kind of warning, if any, they need to provide.

My state, Virginia, doesn't offer high risk insurance pools.  I went from COBRA to an individual plan that takes the payment directly out of my bank account - which would not help you if the money isn't in your checking account.

I would also check with your state's insurance commission.

Good luck.

Kathleen Dx 10/3/2008, DCIS, 4cm, 0/2 nodes, ER+/PR+, HER2-
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Feb 9, 2011 07:38PM lauri wrote:

In additiom to calling the insurance company to protest the cancellation, SEND THEM A LETTER stating that you had made good on bounced checks in the past and had no notification that you could be cancelled without notice. (cc to insurance commissioner would be useful.)  It's always a good idea to have your protests in writing.

From the ashes of disaster grow the roses of success Dx 3/8/2006, ILC, Left, 6cm+, Stage IIIB, metastasized to bone, Grade 2, 11/12 nodes, ER+/PR+, HER2- Dx 11/15/2021, ILC, Stage IV, metastasized to bone Hormonal Therapy 11/28/2021 Femara (letrozole) Targeted Therapy 12/2/2021 Ibrance (palbociclib) Radiation Therapy Whole breast: Breast Surgery Mastectomy: Left Chemotherapy AC + T (Taxol) Hormonal Therapy Arimidex (anastrozole)
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Feb 10, 2011 08:37AM jessicav wrote:

Motherofpatient- I am going to call them and see what's what. This just can't be right. 

Kmccraw423- I think they have to warn you. I am making calls re ERISA etc....thanks!

Lauri- I will write a letter, carefully worded when I know the law.  This is unbelievable. I have paid insurance all my life and was never ever sick for 42 years. So that's over 20 years of paying for insurance and just when I need it...

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Feb 12, 2011 08:30AM lago wrote:

Hadley there are several diseases that are uninsurable. Cancer and diabetes are just a couple. This is why the high risk pool insurance was created. The high risk pool insurance is temporary and will go away when (or if) the Obama plan goes into full swing in 2014. Insurance companies then can't deny you coverage. Also because everyone will be required to have insurance premiums for those of us with these diseases won't be quite as high.

DONE!! goo.gl/IoaN6U • Tattoos 2.7.2012 • Nipples 10.6.2011 • Exchange 6.24.2011 • Chemo 1.18. 2011 • BMX 8.31.2010 Dx 7/13/2010, IDC, 5cm, Stage IIB, Grade 3, 0/14 nodes, ER+/PR+, HER2-

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