Hi All, I’m new here but need some advice. I enrolled in all my benefits correctly for the year of 2021. This year I missed the benefits enrollment deadline. Background: There is an incentive Wellness program and there are essentially two deadlines for benefits enrollment—one for receiving incentive points for a reward, and one just standard enrollment. I mistakenly thought the November 30th deadline was for the incentive, and that the standard deadline was December 15th (the date of my state enrollment end-period). I wanted the exact same benefits, just to roll over to 2022
HR was incredibly rude, using terms like “your failure” and generally rubbing it in, something I’ve already beat myself up for plenty (and still am!). She said I’d be missing out on Dental, and the FSA, but they could make an exception for medical coverage. I’m grateful for that. Then I go into my insurance and see that all my benefits had rolled over! I was ecstatic. Then I realize she’s accidentally taken off benefits for 2021. Now I can’t get my root canal scheduled before the end of 2021. I’ve not had access to care for 10 days during a crucial period. She keeps saying I do have benefits, the insurance administrators say I don’t, I need to go back to HR. I emailed her and let her know about the issue with the 2021 benefits, she’s kept telling me it’s messed up because of my failure to enroll in time. She’s very hung up on the power and deadlines, and generally has a horrible reputation as far as helpfulness and bad attitude goes. And when I ask if this is the insurance company’s policies, or the company’s, she just stonewalls me. I’d like to know so I can avoid either company in the future, as I have ADHD and know grace periods are super important when you have a cognitive issue like that.
So I basically have two questions—
Is she just being rude by taking the extra time and effort to actually go into the system to remove all the benefits that rolled over on their own? Is there anything illegal about removing benefits she knows that I’ve requested in writing and verbally? Again, all roll over, no changes. I also had not filled out a waiver, which is also required. If it’s not illegal, is it just bad practice / bad policy? Or is this a standard thing because there’s some bureaucracy in the back end I don’t understand?
Is there anything I can do to have any sort of extended dental (into 2022) because of my blocked access to coverage I’ve elected and paid for in 2021?
Again, I’m thankful for the medical coverage, I’m just unable to wrap my head around the concept of actually taking the extra work to go in and remove benefits I do want and already rolled over. From my view it just seems petty, mean, and a power trip. Any advice or info that can help me understand would be greatly appreciated! It might be too late already for 2022, but I’m still curious.
Thanks in advance!
submitted by /u/E123123123
[link] [comments]Hi All, I’m new here but need some advice. I enrolled in all my benefits correctly for the year of 2021. This year I missed the benefits enrollment deadline. Background: There is an incentive Wellness program and there are essentially two deadlines for benefits enrollment—one for receiving incentive points for a reward, and one just standard enrollment. I mistakenly thought the November 30th deadline was for the incentive, and that the standard deadline was December 15th (the date of my state enrollment end-period). I wanted the exact same benefits, just to roll over to 2022 HR was incredibly rude, using terms like “your failure” and generally rubbing it in, something I’ve already beat myself up for plenty (and still am!). She said I’d be missing out on Dental, and the FSA, but they could make an exception for medical coverage. I’m grateful for that. Then I go into my insurance and see that all my benefits had rolled over! I was ecstatic. Then I realize she’s accidentally taken off benefits for 2021. Now I can’t get my root canal scheduled before the end of 2021. I’ve not had access to care for 10 days during a crucial period. She keeps saying I do have benefits, the insurance administrators say I don’t, I need to go back to HR. I emailed her and let her know about the issue with the 2021 benefits, she’s kept telling me it’s messed up because of my failure to enroll in time. She’s very hung up on the power and deadlines, and generally has a horrible reputation as far as helpfulness and bad attitude goes. And when I ask if this is the insurance company’s policies, or the company’s, she just stonewalls me. I’d like to know so I can avoid either company in the future, as I have ADHD and know grace periods are super important when you have a cognitive issue like that. So I basically have two questions— Is she just being rude by taking the extra time and effort to actually go into the system to remove all the benefits that rolled over on their own? Is there anything illegal about removing benefits she knows that I’ve requested in writing and verbally? Again, all roll over, no changes. I also had not filled out a waiver, which is also required. If it’s not illegal, is it just bad practice / bad policy? Or is this a standard thing because there’s some bureaucracy in the back end I don’t understand? Is there anything I can do to have any sort of extended dental (into 2022) because of my blocked access to coverage I’ve elected and paid for in 2021? Again, I’m thankful for the medical coverage, I’m just unable to wrap my head around the concept of actually taking the extra work to go in and remove benefits I do want and already rolled over. From my view it just seems petty, mean, and a power trip. Any advice or info that can help me understand would be greatly appreciated! It might be too late already for 2022, but I’m still curious. Thanks in advance! submitted by /u/E123123123 [link] [comments]Read Morer/HealthInsurance