Today, after a series of chaotic calls to my health insurance provider and a perusal of Healthcare.gov options, I finally got new health insurance.
I was notified in mid-January that I would be dropped because of a “business decision by Humana to eliminate plans like [mine].” After 7 static years, I was told that even though I liked my plan, I could not keep it.
Not looking forward to the process of obtaining new insurance, I did sign up for the Healthcare.gov to see what plans were available for me. What I found was that I could get the exact same coverage for a doubled monthly premium and a deductible twice what I currently had. Joy!
So, in all my procrastination and consideration for different companies, I called Humana Monday morning with just 18 hours until my coverage was to lapse.
After a ‘brief’ hold time of just 11 minutes, I was connected a man named Hernando. My recently acquired friend Hernando had such a thick accent that I found myself squinting every time he spoke, but considering the timeliness of my call, I knew I would need to give Hernando the benefit of the doubt. He seemed to have a good attitude and called me “Miss Jessica.” Still, despite being 8:15 a.m., I felt like I needed to pour myself a glass of sangria.
Hernando asked me to confirm my Social Security number as well as my most recent address on file. I offered him my current address, the one I held in 2015, the addresses of my the homes I lived in in 2014, 2013, 2012, 2011 and 2010. None of them matched. Why? Because despite my requests, which Hernando confirmed were noted in my file, Humana had not updated my address since 2009. After 8 guesses and an offer to mail a blood sample to confirm my identity, we unlocked the treasure chest of plans for which I qualify.
Or so I thought. Turns out Hernando wasn’t all that good with the system, so he had to place me on hold to ask a colleague. I’m not exaggerating when I say that a rendition of the song below, the circus tune, is what played when I was on hold. How fitting.
Hernando returned after another ‘brief’ hold to let me know that there were 5 plans for which I was eligible, and we discussed them at length.
If I wanted the same coverage as before with the same deductible – which was already $3,500-, I could pay a premium three times as high as my last one. If I wanted to keep my premium the same, I could raise my deductible to $6,850. Not to delve too far into the personal side of things, but I’m not exactly at a point in my life where I can fork out thousands a month for health care coverage.
Hernando, despite working for Humana, wanted to emphasize that I could go on the exchange, still have Human coverage, but instead pay a subsidized amount and receive credits.
I asked him if, under the plan I was considering, women’s annual visits were covered. Hernando replied, “Like, you mean a check up?” No, an actual annual visit to a doctor only women see. “Oh Miss Jessica!! I do not know. You can see a primary care doctor for $25 co-pay three times under this plan.”
“Hernando, I’m sitting here drinking a protein shake that tastes like grass. I do everything I can to avoid the doctor. I don’t like doctors and I don’t like medicine. I just want to visit my doctor once a year to make sure that when the time is right, I can procreate. I don’t really want to explain to you what that entails, but it’s not a primary care check-up. That is the only reason I’m getting health insurance.”
“Okay, Miss Jessica. If I may, place you on a brief hold again.” Hernando had to call his supervisors in another office because he didn’t want to give me the wrong information. Apparently, the information on the health prompter
[insert circus music]
At this point, I began to think that perhaps I could go a year without healthcare coverage and see how things work out. After all, barring anything catastrophic, I’m out almost $7,000 anyway. I frequently get kidney stones, but it doesn’t cost near that to be hooked up to morphine for a bit when they hit.
It’s amazing how quick your thoughts seem to come and go when circus music is playing in the background, too. I think I could almost feel my eyes dilating.
After seven minutes of the holding again, Hernando returned to let me know that, yes, it was considered preventative care and I was indeed covered for the services I need. We agreed to start the application but I would need to be placed on a brief hold while he completed the paperwork.
He asked a few questions about my lifestyle choices, and said, “Miss Jessica, one more thing before I place you on a brief hold: is that Jessica with one ‘S’ or a double ‘S’ like “sst sst”
…What? Two. J-E-S-S-I-C-A. (Keep in mind, he is looking at a file that has 7 years of information on me.)
[Cue circus music]
After 11 more minutes of high-wire walks and elephant tricks, Hernando returned to confirm my data and take payment information. My coverage is effective tomorrow, but barring some heavy-duty tax refund come April 15, I can’t reasonable afford to meet my deductible.
At the end of the day, I walked away with mediocre coverage and a $6,850 deductible “just in case” something happens. I also had to explain intricate health care services to a non-native man with clearly no knowledge of the industry. The system is so very broken and the insurance companies are hiring people like Hernando, who may have nice customer services skills, but knows nothing about what they’re doing – just to stay afloat. At the end of the year, we’ll see if this was the right decision.
But, I don’t know what I fear more: the IRS and our government heavily entrenched in our healthcare or actually having to utilize my healthcare coverage.