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Health Insurance Wrongly Cancelled! (1 Viewer)

CurlyNight

CurlyNight

Footballguy
....mid cancer treatment!!

So I had BC through the exchange. All of the sudden I go to pay my premium for March and it says account cancelled. WTF??!! After being  passed around I find out they put me on Medi-Cal! Someone there set my income to 0 for God knows what reason as nothing has changed in over a year with me. So all week I've been dealing with this cluster#### and since insurances can't be changed mid month I've been told to keep it. Medi-Cal has been set to term on 4/1 and Covered CA will pick me back up. Hopefully. Who the #### knows. I'm so off schedule in my cancer tx. Had big delays before chemo and now this!

I had to cancel my chemo for last Tues and CT scan on my chest for tomorrow because right now, I don't have an ID # for any insurance. I'm beyond outraged!

Year to date on the BC plan that I had (Jan and Feb) I've paid my deductible and oop max. Now does anyone know when I get reinstated back to them if that will carry over or do they just flip the switch back on my old ID and it carries over. I did nothing to cancel my plan so it should all be reinstated as it was, no?

:wall:

 
Sorry to hear it, CN.  Hopefully it gets straightened out soon and you can get back on the road to beating your cancer.

 
Best of wishes in getting it straightened out and totally kicking cancer's ###, CurlyNight.

 
Weird to not even get a notice in the mail. It sucks that you have to fight on this in the midst of your battle. I hope it gets cleared up soon so you can concentrate on getting better. 

 
johnnyrock62000 said:
Weird to not even get a notice in the mail. It sucks that you have to fight on this in the midst of your battle. I hope it gets cleared up soon so you can concentrate on getting better. 
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No notice because someone ####ed up and entered 0 for my income when I am well over the amount you can have to have Medi-Cal. I'm sure I'll get reinstated back on BC through the exchange but the million dollar question is will the $ that I've paid in deductible and out of pocket year to date transfer over or are they going to screw me by setting me back to 0. I am, well was, paid up and treatments and surgeries going forward were paid for. It's big for me if they treat me like a new applicant. Can't see how they can do that, but not sure I trust insurances. I am so out of gas with this. :/

 
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There's no legitimate reason for you to have to restart your deductibles and OOP max, but it's a bureaucracy, so I'm sure it will be a headache to get straightened out. Sorry you're having to deal with this. 

 
Can't you sue the hell out of the insurance company for this? Missing chemo like that because of a screwup can't be a good thing. 

 
Scoresman said:
Can't you sue the hell out of the insurance company for this? Missing chemo like that because of a screwup can't be a good thing. 
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Not sure it'd do any good... but first I have no idea who set my income to 0. Everyone's pointing fingers to each other. First was medical issues that delayed chemo and now this. And it's delaying radiation as well. I'm going to have to cancel my rads consult set for this Wed as I doubt this will be resolved by then. Just unreal.

 
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cstu said:
I want you to kick cancer's ### and spread this message.
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I have been spreading the message to folks who are against Obamacare, and changed many minds. I never thought much of it until I got cancer and it literally has become a lifesaver for me.

 
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I can't give advice, but if it were me I would contact the state exchange immediately and start an appeal.  I would make sure they document that I was dealing with the specific type of treatment.  I would explain an error out of my control was affecting my coverage and i need it retroactively reinstated to the date it was canceled and I would be willing to do anything necessary to see that all back premium, if any, was paid in full.  Then I would hang up and call the national exchange, and immediately ask for a representative.  Once I had someone on the phone I would request that they send me to "escallation" and explain the same story again.  I would then follow up by phone with both exchanges every 48 hours.  If I don't feel like I'm making progress every 4 days I would start asking for supervisors.  This seems like the most likely path to see the fastest satisfactory solution.

 
You seem in relative good spirits, sounds like you are kicking cancer's ### already. And if the system is working then more power to you. People don't want to see/hear others suffer and sometimes they say the wrong politically charged thing, please forgive them. 

Best of luck!

 
hooter311 said:
I can't give advice, but if it were me I would contact the state exchange immediately and start an appeal.  I would make sure they document that I was dealing with the specific type of treatment.  I would explain an error out of my control was affecting my coverage and i need it retroactively reinstated to the date it was canceled and I would be willing to do anything necessary to see that all back premium, if any, was paid in full.  Then I would hang up and call the national exchange, and immediately ask for a representative.  Once I had someone on the phone I would request that they send me to "escallation" and explain the same story again.  I would then follow up by phone with both exchanges every 48 hours.  If I don't feel like I'm making progress every 4 days I would start asking for supervisors.  This seems like the most likely path to see the fastest satisfactory solution.
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I'm going to first call BC tomorrow am to find out if I get re-instated, this month or April, if the $s I've paid on the account cancelled in error in the form of deductible and out of pock transfers over--- or do I start at 0 again like beginning of the year.

Right now I have Medi-Cal which the hospital takes so as soon as I get the ID # I can get chemo, CT scan and radiation appt. I have the # to call for escalation of this.

I just am a bit lost on if I cancel Medi-Cal and the BC (exchange) can pick me right up retroactively (eff 3/1 like I was never cancelled) it would be better chance at not losing what I've already paid BC or keeping it as it's set up for me to use Medi-Cal this month like they've said themselves and $s paid to BC would roll over 4/1 anyway. This is so mind numbing----and I'm chemo brain anyway (foggy side effects from chemo txs)--so not sure if my posts are clear. :/

 
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Curly - so sorry to hear about your situation.  If you're in fact "reinstated", that means that your original policy is picked back up and it's like it was never gone - you will owe money for March and you'll have already met your deductible and such.  If, on the other hand, BC takes you back because Medi-Cal runs out and they see that as a "qualifying event", then they will take you back, but it will be on a brand new policy (new deductible and such).  If that happens, though, you should be able to pick any plan you like (so obviously pick the one with the lowest deductible and OOP).

That said, it's obvious you want to do all possible to get your policy reinstated.  Do you have an agent or broker to help you?  Also, while you were "on exchange", were you receiving a subsidy for your premiums?

 
matttyl said:
Curly - so sorry to hear about your situation.  If you're in fact "reinstated", that means that your original policy is picked back up and it's like it was never gone - you will owe money for March and you'll have already met your deductible and such.  If, on the other hand, BC takes you back because Medi-Cal runs out and they see that as a "qualifying event", then they will take you back, but it will be on a brand new policy (new deductible and such).  If that happens, though, you should be able to pick any plan you like (so obviously pick the one with the lowest deductible and OOP).

That said, it's obvious you want to do all possible to get your policy reinstated.  Do you have an agent or broker to help you?  Also, while you were "on exchange", were you receiving a subsidy for your premiums?
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Thank you so much for the info. I was just going to do Medi-Cal this month since the hospital takes it but from what you're saying, I should cancel it now and try and get reinstated with BC asap. So that's what I'm doing now, cancelling Medi-Cal immediately then I'll call covered CA to get reinstated. I was receiving a subsidy for my premiums and had a great plan so I want to get what I had back. You'd think it'd be  a  simple flip the switch back.

I hope it works and I don't wind up with nothing this month. You never know with insurance companies.

If I wasn't battling cancer I wouldn't be so concerned about $ but for me it's quite a sum right now.

 
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Wait!  DO NOT cancel anything with medical until you hear back form BC!  You don't want to be uninsured for any period of time.  Also, BC might not see you canceling Medical as a qualifying event.

 
CurlyNight said:
Thank you so much for the info. I was just going to do Medi-Cal this month since the hospital takes it but from what you're saying, I should cancel it now and try and get reinstated with BC asap. So that's what I'm doing now, cancelling Medi-Cal immediately then I'll call covered CA to get reinstated. I was receiving a subsidy for my premiums and had a great plan so I want to get what I had back. You'd think it'd be  a  simple flip the switch back.

I hope it works and I don't wind up with nothing this month. You never know with insurance companies.

If I wasn't battling cancer I wouldn't be so concerned about $ but for me it's quite a sum right now.
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bump to get your attention I hope.

 
Well, after 2 weeks of major battling between Medi-crap and Covered CA there is nothing anyone can do to erase the mistake that they made in booting me off my BC plan. Having cancer treatment on hold doesn't seem to mean much as I can't believe the state's computer can't back date Medi-Crap being cancelled eff 3/1. If that could be done, BC can reinstate me eff 3/1 and my deductible, copays, out of pocket max would carry over. As it is, BC is set to start on 4/1 and they can't transfer what I've already paid in Jan and Feb over with this interruption---so I'm out almost 3K! Un####ing real!

The bonus in this #### up is no treatment this month for me. The Medi-crap they put me on the hospital where I get tx doesn't take it. It's amazing to me how people who work as a super in the insurance company don't know that you can't just go somewhere else for chemo. My onc is only affiliated with this hospital here. She doesn't have privileges anywhere else so she can't give orders where she has no privileges. No orders, no chemo. :wall:

I'm more exhausted than I've ever been on chemo with this ####. :angry:

 
On the suggestion of a fellow sister on breastcancer.org, I looked up my congressmen to contact. One you can send an email to and the other you can call the office, which I'm going to do on Mon. I doubt it's going to be fixed for me to get my important treatment and scans this month, but I have to let them know just how ####ed up Medi-crap is and how they handled their error by the urgent escalation dept telling me for days there's nothing they can do. All  I went through as a stage III, possibly stage IV cancer pt these past 2 weeks between Covered CA and Medi-Crap they should know. Hopefully this will shed some light and something can be done about a future urgent care pt who can't wait weeks for treatment because of a #### up in the state insurance system. :loco: :no:

 
I would get the media involved. Contact a local TV station. I'm betting it gets straightened out pretty quickly

Good luck

 
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