We applied for Affordable Care Insurance near the end of 2021 / self employed and have had same health insurance for years but price increases unsustainable. Everything went well / very easy with our new plan for two parents and college student. BUT, the system kicked our 2nd child/teenager (15) into an assessment for whether the state of Missouri might cover him under Children’s Health Insurance Program (CHIP).
It has been 30+ days, two multi-hour phone calls spent on hold and no answer from the state whether they will cover him or not, or if we will be able to add him to our new family plan. Fortunately he is healthy and hasn’t needed emergency care, but we are stuck in limbo with scheduling routine care visits.
From the little the state employees seemed to know, they were first stuck on the three of us who already are insured (not sure why), but one person suggested that they might need more documentation. We have received absolutely zero mail, email or phone calls from the state agency requesting anything to move it along.
Is this typical for this type of insurance? Do we just resign ourselves to waiting for months? One of the few live people we connected with said that coverage would be back dated either way, but not reassuring. Any suggestions would be appreciated. We wondered if gap insurance would be advisable if that is a thing. Thank you for any help.
submitted by /u/Clear_Bluebird3217
[link] [comments]We applied for Affordable Care Insurance near the end of 2021 / self employed and have had same health insurance for years but price increases unsustainable. Everything went well / very easy with our new plan for two parents and college student. BUT, the system kicked our 2nd child/teenager (15) into an assessment for whether the state of Missouri might cover him under Children’s Health Insurance Program (CHIP). It has been 30+ days, two multi-hour phone calls spent on hold and no answer from the state whether they will cover him or not, or if we will be able to add him to our new family plan. Fortunately he is healthy and hasn’t needed emergency care, but we are stuck in limbo with scheduling routine care visits. From the little the state employees seemed to know, they were first stuck on the three of us who already are insured (not sure why), but one person suggested that they might need more documentation. We have received absolutely zero mail, email or phone calls from the state agency requesting anything to move it along. Is this typical for this type of insurance? Do we just resign ourselves to waiting for months? One of the few live people we connected with said that coverage would be back dated either way, but not reassuring. Any suggestions would be appreciated. We wondered if gap insurance would be advisable if that is a thing. Thank you for any help. submitted by /u/Clear_Bluebird3217 [link] [comments]Read Morer/HealthInsurance