I signed up for additional voluntary plans through my (Oregon) employer. I now realize I’m over-insured and I cannot afford it. The insurance company is refusing to let me drop three voluntary plans and have advised I have to pay for these plans for an entire year.

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Ok- let me start by saying I have not worked from home or missed any time off since the whole pandemic hit. I have been working diligently but also stressing that I, or someone in my family, may get sick & we would be devastated by medical bills.

I freaked out about COVID & basically anything else that could happen in the next dreadful year. During open enrollment, I signed up for my regular insurance but I convinced myself I needed to get three new-fangled voluntary plans: Employee & Family Accident, Hospital Indemnity, and Critical Illness. I thought it would bring peace of mind but I’ve just been stressing about how much the plans cost… a lot- like losing sleep. I finally realized I am over-insured and I am not going to be able to comfortably afford these plans. I signed up for them in November; I reached our to my personnel office in December; they said it might be difficult because open enrollment had closed. The Personnel gal reached out to our CIS Benefits rep. She said it would be okay to drop the plans. I was extremely relieved. A few days later, I checked my open enrollment statement & the three voluntary plans were still listed. I contacted Personnel & was told that the CIS rep that was so incredibly helpful to me was not authorized to allow me to drop my plans and now I am required to pay for all three voluntary plans from January, 2021, through December, 2021. I called CIS to appeal & and they said I had no choice…

Am I really locked into paying for these voluntary plans involuntarily for an entire year?

(First time posting a question. Not sure if I did the flair thing correctly. If I screwed up, just send me crazy high twice monthly bills for one full year).

submitted by /u/subtleseeker
[link] [comments]
Ok- let me start by saying I have not worked from home or missed any time off since the whole pandemic hit. I have been working diligently but also stressing that I, or someone in my family, may get sick & we would be devastated by medical bills. I freaked out about COVID & basically anything else that could happen in the next dreadful year. During open enrollment, I signed up for my regular insurance but I convinced myself I needed to get three new-fangled voluntary plans: Employee & Family Accident, Hospital Indemnity, and Critical Illness. I thought it would bring peace of mind but I’ve just been stressing about how much the plans cost… a lot- like losing sleep. I finally realized I am over-insured and I am not going to be able to comfortably afford these plans. I signed up for them in November; I reached our to my personnel office in December; they said it might be difficult because open enrollment had closed. The Personnel gal reached out to our CIS Benefits rep. She said it would be okay to drop the plans. I was extremely relieved. A few days later, I checked my open enrollment statement & the three voluntary plans were still listed. I contacted Personnel & was told that the CIS rep that was so incredibly helpful to me was not authorized to allow me to drop my plans and now I am required to pay for all three voluntary plans from January, 2021, through December, 2021. I called CIS to appeal & and they said I had no choice… Am I really locked into paying for these voluntary plans involuntarily for an entire year? (First time posting a question. Not sure if I did the flair thing correctly. If I screwed up, just send me crazy high twice monthly bills for one full year).
submitted by /u/subtleseeker [link] [comments]Read Morer/HealthInsurance

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