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Thread: My Health Insurance Nightmare - Pay Attention to the Details

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    Default My Health Insurance Nightmare - Pay Attention to the Details

    First , let me start off by saying this is NOT a political statement thread. This is a personal account of what has happened to me in the last 3 months that I felt I wanted to share with people to see if anyone else has experienced this. Ill get right to it.
    PART 1:
    August 2013 I signed up for a Kaiser Permanente Plan in Georgia called the Classic 1500 plan. This plan had the following benefits:
    $1500 Deductible
    20% CO-Insurance
    $1500 Max out of Pocket Costs
    $40 Dr Visit to PCP
    $70 Specialist


    My Premium was $204/month for a 33 year old male in good health with no prior existing issues/conditions. If you recall around last November when the ACA started to roll out, there were a lot of people who had their plans cancelled. President Obama was famous for the "if you like your plan you can keep it" and because of the backlash over the loss of the plans, he instituted a grandfather clause that would allow you to stay on your current plan/premium for at least another year.

    In December, KP sent around letters asking current plan holders to OPT IN to their current plan or face the possibility of it changing to a new ACA Compatible plan later on. After 3 days of trying to get through to their offices, I resorted to mailing/faxing a letter in. I received a fax confirmation back and I dropped the letter in the mail around 1pm EST the day before the deadline.

    ALL IS GOOD! or so I thought..........

    Flash forward to June 9th 2014 and I am playing a pickup game of basketball at a local LA Fitness. Sparing the gruesome details, I come down funny and my knee is toast. I immediately knew I had torn my ACL. I schedule an appt and go to the doctor the next day, and my PCP tells me that I need to be referred to and Orthopedist. The referral takes 3-4 days to go through, my knee is the size of a watermelon at this point, but, they give me crutches and I wait.

    June 15th I get the appt to the Orthopedist. Within minutes she confirms my worst fear, I suffered a torn ACL in my right knee, but she will need an MRI to confirm.

    June 22nd, I get an MRI ($478 out of pocket). June 26th I go back to the Orthopedist to discuss the MRI results and I suffered a Grade 3 tear (complete tear) and surgery is required. From this point on, it was shocking how little information or even correct information I received from both Kaiser Permanente(KP) and Peachtree Orthopedic (PTO).

    I leave PTO on June 26th and call KP to see what to do next. They inform me that they will get a diagnosis from PTO and someone will schedule me to do surgery in the next 5-7 business days...........

    July 7th, I have heard nothing from anyone. I call KP, they inform me that they have not received any records from PTO and that there is nothing to report. I call PTO, they assure me the records and diagnosis has been sent over. I ask them to send it again, they comply.

    July 10th, all silent. I call KP again, they claim they have received "something" but they cant access the system to see what it is. But, I am assured that someone from "Scheduling" will be in contact to discuss my surgery. At this point I ask a question about my Plan and how it works. I specifically ask
    "How much will this surgery cost me in regards to my plan"?
    KP- "Well, you have spent $478 on an MRI, so that goes toward your deductible, and your max out of pocket cost."
    "So, $1500-$478 , whatever that balance is"
    KP- "Yes that is correct"
    "When does my plan renew or reset? I know I joined in August 2013, do my benefits reset then?"
    KP- "No Sir, your benefits are paid on a Calendar year from January 1- Dec 31"
    So, I move forward. I go on vacation, I return July 23rd, and still have heard NOTHING. I call KP again, this time Im much more aggressive. I get to a division that assures me that they will have my PCP call me back that day. Wonder of wonders, that call never comes. July 24th, I call again, and they schedule a call back from my Doctor at 1215PM. 315Pm my doctor calls me, and tells me that KP is wrong, that there is no "authorization" needed and there is no "scheduling" , PTO will handle everything. I am flabbergasted because for basically 4 weeks, I was waiting for something that was never going to happen. My PCP also tells me the only thing she needs to do is the PRE-OP exam to make sure Im ready for surgery. I tell her thank you and proceed.

    I call PTO and schedule surgery for August 13th. The scheduler informs me that there is no need for KP to do the PRE-OP EXAM because Im in great health and young enough that they can do it. I agree and set PRE-OP for AUG 11th.

    August 1st I get a letter in the mail from KP that has a new Medical ID card in it. I figured, ehh, old ones must have expired. The letter simply states "HERE IS YOUR NEW ID CARD". Thats it. I think NOTHING of it and put the ID card in my wallet and go about my weekend.

    August 4th, I , being the proactive person that I am, call KP to make sure all my ducks are in a row, and I ask if they have some type of estimate on the surgery cost to make sure Im prepared. On the phone the lady tells me "you can go to our online site and there is a surgery estimate calculator you can use. Hmm..... I see your plan just changed though. Thats odd........" I ask her "maybe the name did or something but, well, I did get new ID cards recently... wait, did my deductible change"

    She says "yes it did, but, your old benefits will carry over, they are paid out on a calendar year so youre fine."

    I hang up, open my wallet, and sure enough, my new ID card says:
    $2500 Deductible
    $6350 Max Out of Pocket Cost
    30% CO-Insurance

    YIKES!!!!!! Thats a $5000 increase in my max out of pocket cost. Now Im starting to panic.

    To Be continued
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    PART 2:
    I go online to the Surgery Estimate Calculator. You have to login and when you do it pulls up your current benefits. It very plainly lists the new plan, and it says my Benefits for the year used $0. Not only that, there is no option for ACL Surgery on the site so I cant get an estimate anyway. At this point, Im very worried. What just happened?

    I call KP the next day , August 6th, 1 week before my scheduled surgery. They inform me , that my Old Plan was "cancelled" and that I am now enrolled in a new ACA Plan, the Georgia Silver 2500/30 plan. I dont understand how this is possible, they tell me that "We dont have anything on file that says you decided to opt into your current plan".

    I tell them that is wrong, I mailed the letter and I faxed the confirmation in. They claim "they never received it". 8 months later, I am REALLY needing that Fax Confirmation, but, I cannot find it.

    I tell them, well, thats fine, but what about my old plan and benefits? GONE. Wiped out, replaced. But you told me they were on a calendar year? They are, except in GA which is on a RENEWAL year. But thats not what I was told!!? Well, technically, your plan was not terminated, it was "TRANSITIONED". No notice, no letter, no options, nothing. Just Aug 1 they decided, well, this is the plan we are going to give you.

    So then I ask the next question, what happens JAN 1st 2015 if I max this plan out by going through with my Surgery in a week? (The surgery WILL max out the $6350). They say "It will reset again back to 0".

    Somehow, they are claiming that I never opted in. They lied to me about when how long and at what time my benefits reset. They are now telling me that I get to pay a premium for only 4 months of benefits (Aug 1 - DEC 31) and they wiped out my old plans benefits from (JAN1- JULY 31).

    The best part? Not only did my deductible raise $1000, my out of pocket went up $5000 (From $1500-6350), my monthly premium went from $204/month to $297/month. I got on a plan that is now 30% higher than what I had, and its 5 times more expensive benefits wise. all 10 days before my surgery.............

    Ive had to cancel surgery, KP will not let me off this new plan, and I cannot switch carriers to get to the plan that closely resembles my old plan. Ive spent 30+ hours on the phone only to get transferred, put on hold, and told IM SORRY we cant help you. No other carrier will accept me unless I have a QLE (Qualifying Life Event) that I dont have.

    CLIFFS:
    Insurance plan cancelled and replaced without notice costing me $5000 in more money.
    Insurance carrier lied about benefits and timeframes
    Insurance Carrier acknowledges they never sent me the letter they were supposed to
    Stuck in a plan that makes my surgery harder for me to afford
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    Closing:
    Im not sure what the point of this thread is, only to show how ruthless and heartless the Insurance companies can be. How inept they are at their job, and that they dont care about your situation.

    Im 100% ok with my plan increasing in price, Im 100% ok with my premium rising. What im not ok with, is telling me Im GOOD and everything is OK and then pulling the rug out from under me 10 days before surgery.
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    Slowest Car on IA David88vert's Avatar
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    All you can do is thank Obama for how much he has done to improve your healthcare. You don't even want to know how much mine has increased in cost to keep the same benefits - 5 times as much as it was just two years ago - and it looks like I am about to lose those benefits for much worse benefits as they "transition" to new ACA plans. Its all part of the plan to create a single payer system.
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    I dont see how Obama is the direct reason of what happened here. The insurance companies didn't give him a heads up of what his cost were. His original assumptions were that his max out of pocket would be $1500, but that increased significantly, without his knowledge because insurance companies are pieces of shit. Sorry about your situation Mike



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    Quote Originally Posted by Sammich View Post
    I dont see how Obama is the direct reason of what happened here. The insurance companies didn't give him a heads up of what his cost were. His original assumptions were that his max out of pocket would be $1500, but that increased significantly, without his knowledge because insurance companies are pieces of shit. Sorry about your situation Mike
    Its not Obamas fault, but it kind of is.

    The reason for my plan increasing, is because the ACA requires Insurance Companies to cover people despite pre-existing conditions. But, its the insurance companies fault for jacking my rates mid year, lieing to me and not notifying me (admitting they didnt notify me) and then basically make me twist in the wind with no way of getting this resolved.

    I am looking into getting onto an Assurance Healthcare plan that has a deductible of $950 and out of pocket max of $950, think about it this way, the ACA Pre-Existing condition is allowing me to move from KP to Assurance and Assurance cant refuse me. However, I am moving onto an insurance company for the sole purpose of sticking them with my $50,000 surgery that will cost me $950 out of pocket.

    So the ACA is working for me, but also working against me (by making everything cost more)
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    Quote Originally Posted by Vteckidd View Post
    Its not Obamas fault, but it kind of is.

    The reason for my plan increasing, is because the ACA requires Insurance Companies to cover people despite pre-existing conditions. But, its the insurance companies fault for jacking my rates mid year, lieing to me and not notifying me (admitting they didnt notify me) and then basically make me twist in the wind with no way of getting this resolved.

    I am looking into getting onto an Assurance Healthcare plan that has a deductible of $950 and out of pocket max of $950, think about it this way, the ACA Pre-Existing condition is allowing me to move from KP to Assurance and Assurance cant refuse me. However, I am moving onto an insurance company for the sole purpose of sticking them with my $50,000 surgery that will cost me $950 out of pocket.

    So the ACA is working for me, but also working against me (by making everything cost more)
    I'm blaming the insurance company for not notifying you of things involving your money. That's not Obama's fault, can't blame him for an insurance company doing what in essence Obama is trying to iron out to make it benefit everyone. I know not everyone agrees with his methods, but your situation, in particular, your insurance basically told you only 1500 out of pocket then all of a sudden without notifying you, they jack it up....NOT COOL. I hope that insurance move works out for you though. How much is the premium at assurance?



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    Quote Originally Posted by Sammich View Post
    I'm blaming the insurance company for not notifying you of things involving your money. That's not Obama's fault, can't blame him for an insurance company doing what in essence Obama is trying to iron out to make it benefit everyone. I know not everyone agrees with his methods, but your situation, in particular, your insurance basically told you only 1500 out of pocket then all of a sudden without notifying you, they jack it up....NOT COOL. I hope that insurance move works out for you though. How much is the premium at assurance?
    Without getting into the arguing point, if there was no ACA, my plan never would have change. The very basis for it changing was because the ACA said it had to. So, that is the Congress/White house problem to me.

    Assurance will be $435 a month premium.

    The issue is on paper, President Obama has a GREAT idea. All of us dont want someone with Cancer being denied coverage because of a pre-existing condition. But, the insurance companies operate based upon risk. A person with cancer is going to require $100,000s of dollars worth of care, so their premium has to be high. But the ACA says they HAVE to cover them, so, they are forced to jack your rates and mine (healthy people) to account for the added risk.

    Think about it, Im basically going to stick Assurance with a $50,000 surgery for $950 out of pocket costs. Someone has to pay the other $49,050, its the insurance company.

    If you have health insurance in GA, your new MAX out of pocket cost is $6350, if you ever need surgery, you now have to come up with $6500 to do it (because almost no surgery is under $10,000. Think about that , you are screwed unless you make $40,000 or more. How will you afford that?

    Before the ACA you could have plans with $1500 max out of pocket costs, now you cant, because the RISK is so much higher for the Insurance Companies they are going to stick it to someone. They are passing that added risk onto people like you and me.

    Bottom line, the insurance companies are SMARTER than the White House and Congress.
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    Also , look at my plan and its changes.

    I went from KP Classic 1500
    $1500 deductible
    $1500 MAX out of pocket costs
    $204/ Month Premium

    TO
    KP Gold 2500
    $2500 Deductible
    $6350 MAX out of pocket costs
    $295/ Month Premium

    What part of that is more affordable? The cost of me getting onto a plan with SIMILAR benefits to my OG PLan?

    Assurance
    $950 Deductible
    $950 MAX out of pocket costs
    $435/ Month Premium

    Its costing me more than DOUBLE for the same plan I had Jan 1 2014.
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    IA's MIA'r Sammich's Avatar
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    jeezus...that premium is asinine. i understand what is going on, but i still see that insurance company as aint shit for notifying you of the change. sorry you had to experience that. I wish they'd (insurance and hospital system) just work with the white house to come to a amicable solution so that healthcare wouldnt be so outrageous



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    I hope you find that fax confirmation. You have a legal right to stay on your former plan and you exercised it. As long as you can prove you opted to stay on it, I don't see how they can argue it. Well I take that back. Insurance companies can argue anything no matter how cut and dry it is.

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    Quote Originally Posted by Sammich View Post
    jeezus...that premium is asinine. i understand what is going on, but i still see that insurance company as aint shit for notifying you of the change. sorry you had to experience that. I wish they'd (insurance and hospital system) just work with the white house to come to a amicable solution so that healthcare wouldnt be so outrageous
    EXACTLY.

    I think President/Congress tried to fix a problem, and the INS companies said "NICE TRY" and outsmarted them. They need to work together and figure out a way to make this better. Because there is nothing affordable to me about this current trajectory.
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    Don't let the name fool you. The Affordable Care Act was not designed to make healthcare cheaper for everyone and certainly not for relatively, young, healthy people like you. It's goal was to get as many people as possible on some sort of insurance and to distribute the costs more evenly throughout the population. Very little of the bill addresses the actual cost of healthcare, it simply shifts who pays what. Until the cost of care is addressed, there will continue to be a problem with healthcare costs.

    That being said, your story really is more about the the insurance company's incompetence of complying with a very simple aspect of the law which is that you may choose to stay on your old plan.

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    So to make healthcare affordable they made it more expensive so that everyone can afford it :P

    LOL

    Correct, they did nothing to address the COST. They thought that simply adding more people to the system would drive costs down, but its not, its driving it up
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    They didn't make it cheaper or more expensive on average. They just made it cheaper for sicker/poor people and and more expensive for healthier/wealthier people. I don't think they really thought it would drive actual costs down that significantly. Maybe small amounts due to things like decreasing emergency room visits but nothing monumental. Again, costs may have increased for you personally (you are young and healthy), but overall I haven't seen much evidence that healthcare costs for the population at large have increased any faster than they were before the ACA.

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    Quote Originally Posted by bu villain View Post
    They didn't make it cheaper or more expensive on average. They just made it cheaper for sicker/poor people and and more expensive for healthier/wealthier people. I don't think they really thought it would drive actual costs down that significantly. Maybe small amounts due to things like decreasing emergency room visits but nothing monumental. Again, costs may have increased for you personally (you are young and healthy), but overall I haven't seen much evidence that healthcare costs for the population at large have increased any faster than they were before the ACA.
    The fact that a year ago i could purchase plans with a variety of deductibles from $0-10,000, and now, they all START at $6350, tells me that they have increased MUCH faster than before.

    I dont know how long you have had insurance, but I had not trouble the last 3-4 years having 1500/1500 or 1500/3000 plans. They dont exist anymore.
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    Quote Originally Posted by Vteckidd View Post
    The fact that a year ago i could purchase plans with a variety of deductibles from $0-10,000, and now, they all START at $6350, tells me that they have increased MUCH faster than before.

    I dont know how long you have had insurance, but I had not trouble the last 3-4 years having 1500/1500 or 1500/3000 plans. They dont exist anymore.
    I think you are misunderstanding me. I agree, the cost for YOU have gone up because of ACA. My costs have gone up as well. That is not true for everyone though. Most people with preexisting conditions and poorer people are now able to get coverage at a much cheaper cost than they were before.

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    Oh I agree but we are talking 100-200% increases.

    They are making people like me "poor". I'm not so sure this trend continues anyway I will bet you money this assurance plan I'm moving to is gone come Jan 1
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    Quote Originally Posted by bu villain View Post
    Don't let the name fool you. The Affordable Care Act was not designed to make healthcare cheaper for everyone and certainly not for relatively, young, healthy people like you. It's goal was to get as many people as possible on some sort of insurance and to distribute the costs more evenly throughout the population. Very little of the bill addresses the actual cost of healthcare, it simply shifts who pays what. Until the cost of care is addressed, there will continue to be a problem with healthcare costs.

    That being said, your story really is more about the the insurance company's incompetence of complying with a very simple aspect of the law which is that you may choose to stay on your old plan.
    QFT.

    Although I do have one question... Baby Jesus knows I'm not sticking up for insurance companies, but how can they follow a "simple" aspect of the law when the President can change the law/requirements on a whim? Not like Congress has been stopping him.

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    Quote Originally Posted by Vteckidd View Post
    Oh I agree but we are talking 100-200% increases.

    They are making people like me "poor". I'm not so sure this trend continues anyway I will bet you money this assurance plan I'm moving to is gone come Jan 1

    I wish mine was only a 100%-200% increase. Try 5X higher for a family of four with no claims - for less coverage.
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    Quote Originally Posted by David88vert View Post
    I wish mine was only a 100%-200% increase. Try 5X higher for a family of four with no claims - for less coverage.
    SHre the specifics, im interested.
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    Quote Originally Posted by Vteckidd View Post
    SHre the specifics, im interested.
    Went from $252/month to $1,210/month over just the last couple of years, and that is with switching from BCBS to KP to get a lower rate. If I kept my old BCBS plan, it would have been almost $2,400/month.
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    Quote Originally Posted by Vteckidd View Post
    Oh I agree but we are talking 100-200% increases.

    They are making people like me "poor". I'm not so sure this trend continues anyway I will bet you money this assurance plan I'm moving to is gone come Jan 1
    You are probably right. As long as healthcare costs are increasing at double digit percentages every year, plans will continue to change to compensate.

    Quote Originally Posted by Echonova View Post
    QFT.

    Although I do have one question... Baby Jesus knows I'm not sticking up for insurance companies, but how can they follow a "simple" aspect of the law when the President can change the law/requirements on a whim? Not like Congress has been stopping him.
    I think it depends on the change. The president being the leader of the executive branch is charged with implementing the law and has some discretion in how it is done. Congress does not write out every detail of execution nor should they. Now in this particular case, the change was actually saying that they didn't have to change anything for people who don't want to. That doesn't seem like an unreasonable hardship for insurance companies to me at least. All the insurance companies had to do was keep track of people's written requests to stay on their current plan. Is that too much to ask?

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    Quote Originally Posted by bu villain View Post
    I think it depends on the change. The president being the leader of the executive branch is charged with implementing the law and has some discretion in how it is done.
    Wrong as could be. The job of the executive branch is to uphold the laws as they are written by Congress.


    Quote Originally Posted by bu villain View Post
    That doesn't seem like an unreasonable hardship for insurance companies to me at least. All the insurance companies had to do was keep track of people's written requests to stay on their current plan. Is that too much to ask?
    Sort of like the IRS being required to keep records of communications. Records that seem to be getting lost at an alarming rate.


    This isnt a swipe on Obama either. Its true of govt at every level and every political persuasion. They just arent competent enough or incentivized enough to do these thing correctly.




    Mike, to your issue, you are caught in a classic case of a company that doesnt speak to itself. The CSRs you spoke to basicly have canned responses to questions and have no clue on the specifics from state to state. Unfortunately, without that fax confirmation, you have no real recourse other than the one you already laid out.

    Too late to do you any good, but for important faxes like this, I use one of the email faxes. This way I have a permanent copy of the receipt.

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    Good to see and hear from you jimmy.

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    Quote Originally Posted by Vteckidd View Post
    Good to see and hear from you jimmy.

    Join the fantasy football league
    Thanks, I already joined.

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    Quote Originally Posted by BanginJimmy View Post
    Wrong as could be. The job of the executive branch is to uphold the laws as they are written by Congress.
    Yes it is indeed the executive branch's job to uphold the laws written by congress. However, if you do some research, you will have no trouble finding instances in the past of this sort of discretion being used. The Administrative Procedures Act explicitly discusses the recourse for unreasonable delays in implementing laws. You may also consider checking out Heckler v Cheney for some perspective. I will be happy to look at any previous supreme court decisions that go against this but I can't simply take your personal interpretation of one broad sentence in the constitution as the standard.

    Quote Originally Posted by BanginJimmy View Post
    Sort of like the IRS being required to keep records of communications. Records that seem to be getting lost at an alarming rate.
    Yes, like that, but please stay on topic. This isn't about the IRS's failure, it's about Vteck's insurance company's failure.

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    Assurance accepted me so I am able to get off KP and onto a plan that will be similar to my old one.

    So surgery looks like it is back on Sept 1.

    I still think it is funny that the ACA is allowing me to switch plans, which is also the cause of my premium rising. Im 33 years old, and paying $400/month is not really feasible for most people, Im not sure I qualify as "rich"
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    Quote Originally Posted by bu villain View Post
    Yes it is indeed the executive branch's job to uphold the laws written by congress. However, if you do some research, you will have no trouble finding instances in the past of this sort of discretion being used. The Administrative Procedures Act explicitly discusses the recourse for unreasonable delays in implementing laws. You may also consider checking out Heckler v Cheney for some perspective. I will be happy to look at any previous supreme court decisions that go against this but I can't simply take your personal interpretation of one broad sentence in the constitution as the standard.
    My 2 minutes of research deducts that the APA doesnt apply to the changes made to the ACA. Those changes were made by executive order, not agency rules.

    Heckler v Cheney is about an Agency ignoring is enforcement powers, not about Executive orders.

    If the IRS and the other interested agencies went through the procedures for rule making, then decided to delay parts of a law that were specificly written into legislation, it would be a different story. The president does not have the legal authority to ignore federal law, nor does he have to authority to tell his cabinet secretaries to have their agencies ignore federal law.

    This isnt about rule making or enforcement, its about violating federal law.

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    Quote Originally Posted by Vteckidd View Post
    I still think it is funny that the ACA is allowing me to switch plans, which is also the cause of my premium rising. Im 33 years old, and paying $400/month is not really feasible for most people, Im not sure I qualify as "rich"
    I can see this as being the norm for a good number of the "young invincibles". They will pay the fine, unless they get hurt or sick. In that case, they will sign up for a plan to cover their existing condition, then drop it again.

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    Quote Originally Posted by BanginJimmy View Post
    I can see this as being the norm for a good number of the "young invincibles". They will pay the fine, unless they get hurt or sick. In that case, they will sign up for a plan to cover their existing condition, then drop it again.
    Uh... I'm "older" with a broken back and 4 dependents making average white people money (kidding about the average part). I pay $400 a paycheck. I wish I could only pay $400 for the whole month.

    Where's my break? I haven't calculated how much my insurance has gone up because I don't feel like getting mad. My only goal is to survive 2.5 more years. If sanity doesn't return then I'm pulling the emergency chute. If I'm going to live poor I can do that on a Jamaican shore with a fatty rolled and a margarita rather than bust my ass to try and prop up a failing system.

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    Quote Originally Posted by BanginJimmy View Post
    My 2 minutes of research deducts that the APA doesnt apply to the changes made to the ACA. Those changes were made by executive order, not agency rules.

    Heckler v Cheney is about an Agency ignoring is enforcement powers, not about Executive orders.

    If the IRS and the other interested agencies went through the procedures for rule making, then decided to delay parts of a law that were specificly written into legislation, it would be a different story. The president does not have the legal authority to ignore federal law, nor does he have to authority to tell his cabinet secretaries to have their agencies ignore federal law.

    This isnt about rule making or enforcement, its about violating federal law.
    I see your point and so I am a bit conflicted. I see a lot of constitutional scholars disagreeing on this issue as well. It is certainly true that large, complex, laws often are not implemented in the time prescribed by the legislation, (e.g., Medicare expansion under Bush, many EPA laws, etc.) but I don't know how much of that is due to executive order rather than rule making as you described. And it's also clear that Obama wants to implement the law he fought so bitterly for and it makes sense to me that the executive should have some leeway in implementation timing on such massive laws. The republicans are going to sue him over it so I guess I'll have to wait for the court's decision.

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    Quote Originally Posted by BanginJimmy View Post
    I can see this as being the norm for a good number of the "young invincibles". They will pay the fine, unless they get hurt or sick. In that case, they will sign up for a plan to cover their existing condition, then drop it again.
    Thats the funny thing. When I asked HUmana if i simply STOPPED paying the KP premium, they told me that I couldnt move into their plan, that would not work as a QLE. I wonder what would happen if I refused to pay my premium, kP terminated me, and I decided to sign up again. Wouldnt I be able to pick whoever I wanted?
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    Your choice has been predetermined for you. Accept it. Just like Common Core will eventually choose your children's occupation. The system needs worker bees...




    No need to fight it. It's so much easier if you just let it happen.

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    Thanks, Obama.....
    I got free clear tails with my ride.....

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    Quote Originally Posted by Vteckidd View Post
    Thats the funny thing. When I asked HUmana if i simply STOPPED paying the KP premium, they told me that I couldnt move into their plan, that would not work as a QLE. I wonder what would happen if I refused to pay my premium, kP terminated me, and I decided to sign up again. Wouldnt I be able to pick whoever I wanted?
    Wouldn't you have to wait until open enrollment?

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    Long story short, I was able to get off my KP plan and switch to Assurance that had a $950 Ded/$950 max out of pocket limit. Had surgery Sept 3rd.

    Day home


    Week 1


    Im in week 3 right now, barely able to walk but getting there
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    Alright Danny Amendola, rub some dirt on it.

    "The greatest form of inequality is when you try to make unequal things equal"

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