The Copenhagen interpretation of quantum mechanics
Which brings me to the point I was trying to make: health insurance. We signed up for Healthy NY and our coverage took effect 1 August. We were shuffling around finances at the time, and missed our first bill. We received a notice postmarked 10 September saying that they'd cancelled our coverage effective 1 Sept, and if we wanted to continue coverage we'd have to pay for coverage received and prepay one month's worth. I sent the payment off, but upon further inspection I thought, damn this is a lot of money. Instead of the two months' payment I had expected [August, the payment we missed, and October, the prepayment], it was for three months. So I called.
Me: Am I covered?
Univera: ...no.
Z: OK, I sent my payment 27 Sept. How long will that take to process?
U: Couple days, don't worry about it. Any other questions?
Z: Yeah, so I [explain the situation]. August and October I understand, but where does this third month come in?
U: That's for September.
Z: OK, but I got a letter saying that I wasn't covered in September.
U: Because you didn't pay.
Z: Right. So what am I paying for?
U: August, September and October.
Z: What about this letter I got?
U: When your payment goes through, you will have been covered for September.
Z: Woah, hold on. When I was told I didn't have insurance I canceled my doctors appointments. [Not true but it could be.]
U: We would have covered them.
Z: But you dropped my coverage.
U: We would have covered them once the payment went through.
Z: OK. So let's say I broke my leg today.
U: You are not covered, but once your payment goes through you will have been covered.
Z: So am I covered today or not?
U: You are not covered for today. But once your payment goes through you will have been covered for today.
Z: I don't understand. Was I covered in September or not?
U: You are not yet covered for September, but once we receive your payment you will have been covered.
Z: So this letter I got ... was I actually dropped or not?
And I basically just talked in circles for fifteen minutes with two separate customer service representatives until we reached an agreement: that I am completely incapable of understanding my own health insurance coverage.
- Z
permalink: http://estrip.org/articles/zobar/41491.html
Words: 541 -- Buffalo, NY




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