Today has been very close to one of the worst days of my life. Why is it one of the worst days ever? I went online to make a payment for my COBRA coverage for the month of September which is due by September 30. When I went to pay the bill it said that I didn’t have a balance due. I thought that was pretty strange, so I started clicking out. I found a section that lists letters that are sent to me and found one that had the word “Termination” in it.
Before I opened it, I already had a bad feeling in my stomach. I opened the letter, that I never saw because it was sent to a mailing address that I no longer use. My payment for the month of August was not paid, so they cancelled my coverage! What? How? That’s impossible, I paid it.
Frantically, I made a phone call to COBRA to get some sort of explanation for this because I know that I made a payment last month. The explanation was that a routing number was incorrect in the online billing when I made the payment last month. The payment processed online and gave me a confirmation number, however, when it went to process on the backend, it was declined. So, a phone call would be made to me to tell me right? NOPE!
A letter sent to me, to an address that I no longer get mail at. It has a forwarding address on it, but not all mail is forwarded correctly. So, I went the rest of the month not even knowing that the payment was not processed. One little mistake, leads to something that will 100% completely change my life.
I have had diabetes for almost 9 years now, and I have been 100% fully ensured for every single day of it. How am I going to buy my insulin, pump supplies test strips? I have no idea where to even begin with this. I don’t really have any options at all, but to make every payment out of pocket. I guess it’s good that I do own my own business so I can “control” how much money I make. I just have to take on more clients, more work, more hours, and more money just to break even on supplies.
I submitted a request that they re-consider and reinstate my coverage. They said it would take about 3-5 days. I received a response in 20 minutes, and the response was…. still declined. I was not shocked or surprised by this. If they are legally able to cancel a policy of somebody with a pre-existing condition, why would they then re-instate it? They got rid of me, they sure won’t bring me back.
I have not heard back on the reply of the second request, but they said it most likely would not be until this Friday, so I have to begin planning for the worst. I asked a representative on the phone and one was very blunt with me and told me straight it, a re-instatement does not happen often, he’s seen it before, but it’s not likely.
That is how I began my day. I started it with going online to pay my insurance so I can re-order my insulin because I will be out by next week. Let’s hope I can get more of those Apidra samples from my endo.
I appreciate all of the messages and replies that you all have sent out on Twitter, it really means a lot that y’all care.
I can only hope for the best for now.