I know its the open enrollment period and I know that we are all trying to get as many people to sign up for health insurance as we can but i can no longer put up with the gross incompetence and crappy website that is called a market place.
I have purchased insurance through the market place since it opened and every year has been a nightmare.
The last straw was happened this year i found a job where i was offered health insurance and, as required, i tried to report a life change and pay the first month premium for the family members that remained on the account and all hell broke loose.
While trying to remove me for the plan they somehow terminated coverage for my 7 month old daughter a fact i discovered when applying for 2019 coverage. The next day after attempting to resolve that issue i learned that the entire plan had been terminated for lack of payment. After calling both the market place and insurance company for well over an hour i was informed that my first premium payment was credited to the old account which had been terminated and i was being sent a refund, however no payment was credited to the account for my wife and children within 30 days and therefore all of their coverage had been terminated. I also learned that my 7 month old daughter was dropped from coverage, possibly retroactively to her birth, because the market place failed to transmit her information to the insurance company in what they euphemistically called a “transmission error”. No explanation has been given as to why the first payment was improperly credited to the wrong account. I explained the situation and both the insurance company and market place representative and the best they can do is resend the information and lodge an appeal for reinstatement a process that can take several weeks but for the remainder of the year my wife and 2 year old daughter and 7 month old daughter have no insurance and there is no guarantee that their coverage will be reinstated. I should also mention that my eldest daughter has febrile seizures and has a cold so fingers crossed she doesn’t spike a fever leading to a hospital visit in the next 2 weeks.
thanks for letting me rant.