Skip to main content

My daughter was very excited to get her new insurance benefits--really good coverage, low deductible and copays, decent premiums. It looks much better than the policy she had before. She wanted to take it for a spin and go out and get flu shots for the family on New Years Day. But she hadn't received her insurance cards yet. Sure enough, the insurance company turned out to not have her in their computer files. No sign that she had been signed up, just as had been predicted by so many.   Proof--PROOF--that Obamacare is a Total Disaster.

Join me below the Faded Christmas ribbon for the details.

Except that it's not Obamacare at all. My daughter changed jobs and the new health insurance took effect January 1, 2014. A normal transition that had nothing to do with the ACA. The insurance company screwed up, but assured her that they will get it straightened out quickly. Just as they will for the folks that sign up for Ocare and have similar experiences.  But my daughter won't wind up on Faux News telling her story to the wing nut world. Her story proves the opposite of what the right wants to hear, that screw ups are a normal part of life, and the world won't come to an end.  She'll wait a few days to get the shots and life will go on.


Did the insurance company screw up because

17%19 votes
6%7 votes
37%40 votes
38%41 votes

| 107 votes | Vote | Results

Your Email has been sent.
You must add at least one tag to this diary before publishing it.

Add keywords that describe this diary. Separate multiple keywords with commas.
Tagging tips - Search For Tags - Browse For Tags


More Tagging tips:

A tag is a way to search for this diary. If someone is searching for "Barack Obama," is this a diary they'd be trying to find?

Use a person's full name, without any title. Senator Obama may become President Obama, and Michelle Obama might run for office.

If your diary covers an election or elected official, use election tags, which are generally the state abbreviation followed by the office. CA-01 is the first district House seat. CA-Sen covers both senate races. NY-GOV covers the New York governor's race.

Tags do not compound: that is, "education reform" is a completely different tag from "education". A tag like "reform" alone is probably not meaningful.

Consider if one or more of these tags fits your diary: Civil Rights, Community, Congress, Culture, Economy, Education, Elections, Energy, Environment, Health Care, International, Labor, Law, Media, Meta, National Security, Science, Transportation, or White House. If your diary is specific to a state, consider adding the state (California, Texas, etc). Keep in mind, though, that there are many wonderful and important diaries that don't fit in any of these tags. Don't worry if yours doesn't.

You can add a private note to this diary when hotlisting it:
Are you sure you want to remove this diary from your hotlist?
Are you sure you want to remove your recommendation? You can only recommend a diary once, so you will not be able to re-recommend it afterwards.
Rescue this diary, and add a note:
Are you sure you want to remove this diary from Rescue?
Choose where to republish this diary. The diary will be added to the queue for that group. Publish it from the queue to make it appear.

You must be a member of a group to use this feature.

Add a quick update to your diary without changing the diary itself:
Are you sure you want to remove this diary?
(The diary will be removed from the site and returned to your drafts for further editing.)
(The diary will be removed.)
Are you sure you want to save these changes to the published diary?

Comment Preferences

  •  They are all being slammed right now. I think it (10+ / 0-)

    will be damn near February before things settle down.

    if a habitat is flooded, the improvement for target fishes increases by an infinite percentage...because a habitat suitability index that is even a tiny fraction of 1 is still infinitely higher than zero, which is the suitability of dry land to fishes.

    by mrsgoo on Thu Jan 02, 2014 at 09:08:07 PM PST

    •  Yeah, we assume that they are overwhelmed (9+ / 0-)

      But this was a little weird. The personnel office at her new company has the insurance membership number, but it's not showing up in the computer at the insurance company.   Hopefully it gets fixed quickly.

      Be bold. Be courageous. Americans are counting on you. Gabby Giffords.

      by Leftleaner on Thu Jan 02, 2014 at 09:19:59 PM PST

      [ Parent ]

      •  Write Down That Number! (1+ / 0-)
        Recommended by:

        Hopefully it gets straightened out soon, but....

        It's the key to finding the proper records.  If they come back in a few weeks and say 'we have no record' then you can shoot back with 'So, how come you issued this number xxxxxxxx to her?  Work harder to get the right answer please.'  

        Something like that response takes the insurance company response off autopilot (it implys they have a liability screw up) and into the real research system (where people are looking for a real answer, not accepting what the computer pukes up).

        Good Luck

        ... the watchword of true patriotism: "Our country - when right to be kept right; when wrong to be put right." - Carl Schurz; Oct. 17, 1899

        by NevDem on Fri Jan 03, 2014 at 10:04:53 AM PST

        [ Parent ]

        •  Her company is on top of it (0+ / 0-)

          And won't let her get screwed. One advantage of working for the big guns, as long as the boss wants to keep you. And they recruited her, so want to keep her happy.

          Be bold. Be courageous. Americans are counting on you. Gabby Giffords.

          by Leftleaner on Fri Jan 03, 2014 at 10:58:16 AM PST

          [ Parent ]

  •  Just got my new membership cards for the (5+ / 0-)

    FEHB health plan that I have had for over two decades.  The individualized cards don't include one for my 24-YO daughter; don't know why yet. I'm assuming that there is some logical explanation that will be offered to me tomorrow.  At the very least, it's just another example of how some of these things just happen...

    ...OTOH, I might have a different view of the issue tomorrow...

    "In a nation ruled by swine, all pigs are upward mobile..." - Dr. Hunter S. Thompson

    by Jack K on Thu Jan 02, 2014 at 09:40:56 PM PST

  •  All of the major pharmacy chains and many (3+ / 0-)
    Recommended by:
    Leftleaner, FloridaSNMOM, PSzymeczek

    doctors are accepting incomplete ACA signup information, and will straighten it out with the insurance companies on your behalf, as long as you have the documentation from wherever you signed up. Whether they will extend this to a change in employer-based insurance I do not know, but it is worth while to call around and see tomorrow.

    Ceterem censeo, gerrymandra delenda est

    by Mokurai on Thu Jan 02, 2014 at 10:11:08 PM PST

    •  I mentioned this (2+ / 0-)
      Recommended by:
      myboo, FloridaSNMOM

      She wanted to do it while she had the day off, and probably won't get to it for a few days anyway.  If the cards don't come through she will probably try that. But her boss was pretty upset about it, and was ready to call the CEO of the insurance company if things didn't get fixed right away. Her new employer is a huge company.  I suspect the insurance company doesn't want to get on their bad side.

      Be bold. Be courageous. Americans are counting on you. Gabby Giffords.

      by Leftleaner on Thu Jan 02, 2014 at 10:19:20 PM PST

      [ Parent ]

  •  Insurance Companies Constantly Screw Up (3+ / 0-)
    Recommended by:
    skohayes, FloridaSNMOM, Hirodog

    I personally have to constantly chase our health insurance company when they screw up our claims.  Furthermore, they almost invariably seem to screw up our claims in their favor by attempting to place the financial burden either on us or someone else in the medical field.  We have now been chasing our insurance company for around 6 months because they keep on routing our insurance claims to the wrong policy number and then denying coverage.  We have called them 20 or 30 times to make them correct what should be a simple and straightforward problem and been run around from department to department and nobody takes any responsibility for any of this and nothing ever gets fixed.  Other times our insurance company just tries to deny coverage for all sorts of imaginative and creative reasons.  

    So I have absolutely no respect for this constant and perpetual propaganda from the far right that somehow tries to portray the private sector as perfect and totally infallible.  This is not even remotely the truth and I totally resent how conservatives in this country try to portray anything that goes wrong with the government as proof positive that government is ineffective and incompetent but somehow remain totally oblivious to all the problems which occur in the private sector.  I can't even begin to tell you how many times the dealer or other car mechanics have tried to run us into large and unneeded mechanical repairs in order to pad their own pockets.  Since I often do my own repairs I frequently catch them at their own game but I'm sure many others are not anywhere near so lucky.  These types of antics basically permeate our whole profit based corporate system and create all sorts of market inefficiencies and other types of difficulties.   The private sector can be very good but it also has lots of problems.  

  •  Same for my brother (4+ / 0-)

    He was thrilled when he got the letter from BlueCross that his junk plan was no longer lawful and they were offering him a new Obamacare compatible plan, that cost less, covered more, and had far lower deductibles,which he immediately accepted and paid for,

    Then he got the letter that he could keep his old plan after all, which, not being insane, he politely declined.

    Now many weeks and hours of phone calls later, Blue Cross has promised to get him his proof of insurance "soon."

    I signed up for a ACA plan directly with Humana since we don't qualify for subsidies (lack of insurance having kept us childless).  Humanas website supersucked and  I had a lot of trouble getting through it, but my insurance card is now happily tucked in my wallet.

    How quickly people forget that dealing with health insurance companies has always been hell.

  •  Two people signed up for ACA in our house (1+ / 0-)
    Recommended by:

    who qualified for it. My other half, and my room mate. Other half's cards are here, and he's good. Room mate's cards didn't come in, and their computers were having all kinds of technical issues yesterday and they couldn't get it resolved. They took her payment on December 23, that's gone through, they have her money, but right now they can't find her policy.

    She was told they're having computer issues through several different systems, including the people who are supposed to be fixing the computer issues. So, if this new policy is through BCBS that may be part of the problem. Hopefully it gets rectified quickly.

    Luckily the roommate went to the doctor at the end of December before her old policy expired and she's not due for any tests or visits until June now. So long as no emergency comes up, she's ok until the end of this month when she needs to get prescriptions filled.

    "Madness! Total and complete madness! This never would've happened if the humans hadn't started fighting one another!" Londo Mollari

    by FloridaSNMOM on Fri Jan 03, 2014 at 06:03:23 AM PST

  •  Yesterday was not a good day for website tech (2+ / 0-)
    Recommended by:
    PSzymeczek, Leftleaner

    support at BCBS of MI. I spent 43 minutes on hold because their website said we didn't have an active policy with them, yet the prescriptions I had ordered an hour before were already in the claims queue. We've been with them with the same employer policy for nearly 20 years. She assured me this would be straightened out, but would not estimate when due to the "extremely high call volume" they were experiencing.

    Fuck me! He made it. Will Scarlet

    by dagolfnut on Fri Jan 03, 2014 at 08:20:24 AM PST

  •  I think she is with BC/BS (0+ / 0-)

    And it sounds like they are in a complete mess.

    Be bold. Be courageous. Americans are counting on you. Gabby Giffords.

    by Leftleaner on Fri Jan 03, 2014 at 10:54:27 AM PST

Subscribe or Donate to support Daily Kos.

Click here for the mobile view of the site