State employee, missed prescription drug card enrollment window, now I’m confused and drug-less

Here’s the scenario:

I started working for a state government agency at the beginning of November. They cover 75% of my monthly healthcare premiums, but when it comes to choosing a healthcare plan/coverage they do something that no previous employer of mine had done, and it confused me and caused me to miss my enrollment window for prescription drug coverage.

Basically, the state split off each aspect of health insurance into a separate line item that I had to opt into or not. There’s medical, vision, dental, life insurance, prescription drug card, and more. In the entirety of my professional life, when I start a new job I get a health insurance plan that includes medical, vision, and prescription drugs at a minimum. I’ve never had to select and pay for individual aspects of coverage before.

I skimmed the 200 page document of the primary healthcare plan, selected it, was told that post-subsidy it would cost me about $150 a month. I then clicked to add dental as well for an additional $16 a month.

When it came to the prescription drug card, however, I assumed that the large, expensive (pre-subsidy), healthcare plan that I selected included drug coverage. In fact, the healthcare plan itself outlined the drugs that it covered.

Fast forward about a month and a half later. I finally was mailed my insurance card, set up an appointment with my doctor, had them fill some prescriptions, and went to the CVS to be told that I needed a drug card and that I only had medical coverage. I emailed my HR rep and they said that that day was literally the cut off for open enrollment, but that they’d print out the paperwork and submit it and say that it was their fault it was delayed because they’d been out of the office.

I frantically filled out the forms and sent them to her, she sent them in, and today I got an email from her saying that they denied my request because I’d passed the 60 day enrollment window. She said nothing else. As a side note, I’m pissed off about this whole situation because the state skipped giving me a professional orientation because they were busy with lots of new hires at the time, and this was definitely something I would have asked about.

Now I have no idea what to do. I have health insurance I’m paying for every month, but I have multiple drugs that I take every day and I’m going to run out long before the next open enrollment. Health insurance has always confused me – is there anything else I can do to get prescription drug coverage now or am I just fucked?

submitted by /u/IAmTheJudasTree
[link] [comments]
Here’s the scenario: I started working for a state government agency at the beginning of November. They cover 75% of my monthly healthcare premiums, but when it comes to choosing a healthcare plan/coverage they do something that no previous employer of mine had done, and it confused me and caused me to miss my enrollment window for prescription drug coverage. Basically, the state split off each aspect of health insurance into a separate line item that I had to opt into or not. There’s medical, vision, dental, life insurance, prescription drug card, and more. In the entirety of my professional life, when I start a new job I get a health insurance plan that includes medical, vision, and prescription drugs at a minimum. I’ve never had to select and pay for individual aspects of coverage before. I skimmed the 200 page document of the primary healthcare plan, selected it, was told that post-subsidy it would cost me about $150 a month. I then clicked to add dental as well for an additional $16 a month. When it came to the prescription drug card, however, I assumed that the large, expensive (pre-subsidy), healthcare plan that I selected included drug coverage. In fact, the healthcare plan itself outlined the drugs that it covered. Fast forward about a month and a half later. I finally was mailed my insurance card, set up an appointment with my doctor, had them fill some prescriptions, and went to the CVS to be told that I needed a drug card and that I only had medical coverage. I emailed my HR rep and they said that that day was literally the cut off for open enrollment, but that they’d print out the paperwork and submit it and say that it was their fault it was delayed because they’d been out of the office. I frantically filled out the forms and sent them to her, she sent them in, and today I got an email from her saying that they denied my request because I’d passed the 60 day enrollment window. She said nothing else. As a side note, I’m pissed off about this whole situation because the state skipped giving me a professional orientation because they were busy with lots of new hires at the time, and this was definitely something I would have asked about. Now I have no idea what to do. I have health insurance I’m paying for every month, but I have multiple drugs that I take every day and I’m going to run out long before the next open enrollment. Health insurance has always confused me – is there anything else I can do to get prescription drug coverage now or am I just fucked?
submitted by /u/IAmTheJudasTree [link] [comments]Read Morer/HealthInsurance

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