Hey Mums - have any of you with BCBS insurance found out that they have cancelled your insurance without telling you? Apparently they have had a computer glitch (due to the changes involved in their 29% rate increase effective in October) and I found out 2 weeks ago, while at the Dr's office that I had to pay for the visit as I hadn't had insurance since the middle of October - even though BCBS has been taking my premiums and issuing statements that show I am current. They denied my daughters Dr's visit claim from November and are stating it will take from 30-45 days to reinstate my coverage (which I have to keep paying for), during this time, if any of my family has to go to the Dr we will have to pay for it out of pocket or risk being denied care! I am just wondering how isolated this incident is and if anyone else is in the same situation. I have filed a complaint with the State given the complete lack of customer service I have received.
Sorry - I forgot to mention this is individual healthcare - not through an employer or a broker, just me and big blue :-(
After the 30-45 period, will the reinstate you retro back to the original date? Are they asking you to pay out of pocket up front and then they will reimburse you once the system is fixed? I think you need to push back on them, hard, if you have statements showing that you are paid current.
Hi D.,
This may not be helpful, but I just wanted to tell you that we have BCBS (through my husband's employer) and we have not had any problems.
I hope BCBS is able to get things worked out (in your favor :-D
Peace,
B.
D. - this happened to my brother recently as well, only a little bit different. He had "autopay" and received statements telling him "this is just a notice, do not pay" - well they were not taking money out of his account as they were supposed to be automatically, so they cancelled his insurance for non-payment. Thus far, they will not reinstate his insurance for an entire year because he was "delinquent" which seems awfully unfair given it was their mistake and he had the money (and still wants to give them money) - he is being punished for being a bad record keeper and not knowing when debits were being taken out of his checking. I am about to make a phone call on his behalf - not sure if they will budge though.
I'd recommend checking in with your benefits administrator, whom should check in with the Accounts Payable department.
Typically the only time this could occur is if the bill was not paid on time. OR if you do not renew off the statement that is sent to you asking for confirmation (forgot what it's called.) But usually I have never had an issue personally other than the confirmation deal, and my things were covered.
EDIT: I would supply a record of payment and speak with the billing department to be certain they have applied the payments correctly as it still could be part of a 'billing' issue on their end. I worked in HR & Accounting and I did see this occur if BCBS (or other insurances) did not apply things correctly on their end. I do feel it is worth checking on if you want to clear some of this up. (if you have not already done this.).
