Hi everyone! Looking for advice, clarification, words of wisdom, or whatever about the following situation: My employer decided to switch health insurance carriers for all of their non-California employees this year. As of Nov 30th, our previous carrier’s coverage ended and our new coverage was supposed to start on Dec 1st. However, when I tried to obtain my insurance ID #, group #, etc. the new carrier stated that I had no coverage. A quick call to my HR revealed that to be true. My HR manager said that the policy was “still in underwriting” and hoped to have it approved in “another week or two”. We were all told that if we obtained pre-authorization for services from the new carrier and followed their rules that we would likely be reimbursed for the expenses incurred during this time but that we would be considered self-pay by our doctors. Unfortunately, no one is willing to provide us with any information or points of contact for the new carrier so how are we supposed to stay within their guidelines? A company-wide message from today claims that there are additional delays popping up and that the underwriting process has again incurred additional delays. All the while, our share of the benefit cost is being deducted from our paychecks! Anyone else familiar with or dealt with a similar situation? I
submitted by /u/DoughPaMean
[link] [comments]Hi everyone! Looking for advice, clarification, words of wisdom, or whatever about the following situation: My employer decided to switch health insurance carriers for all of their non-California employees this year. As of Nov 30th, our previous carrier’s coverage ended and our new coverage was supposed to start on Dec 1st. However, when I tried to obtain my insurance ID #, group #, etc. the new carrier stated that I had no coverage. A quick call to my HR revealed that to be true. My HR manager said that the policy was “still in underwriting” and hoped to have it approved in “another week or two”. We were all told that if we obtained pre-authorization for services from the new carrier and followed their rules that we would likely be reimbursed for the expenses incurred during this time but that we would be considered self-pay by our doctors. Unfortunately, no one is willing to provide us with any information or points of contact for the new carrier so how are we supposed to stay within their guidelines? A company-wide message from today claims that there are additional delays popping up and that the underwriting process has again incurred additional delays. All the while, our share of the benefit cost is being deducted from our paychecks! Anyone else familiar with or dealt with a similar situation? I submitted by /u/DoughPaMean [link] [comments]Read Morer/HealthInsurance