denied

I was going to write about something else, but this came up this week.

I’ve been paying for my own insurance since October of 2008. One of the perks of unemployment. COBRA was $500 a month. Not seeing any job with benefits in the near future I switched hoping to save some money and make my cushion last a bit longer.

I got some misleading information with that insurance and six months in found out that it was “short term”. Literally. Because I had recently all of a sudden after 48 years had high cholesterol. My doctor would say, “will do you blood work next time you and three other of my patients have the lowest cholesterol of all my patients.”

So when I went for my check up last year and they said that my blood sugar was a bit high I should see the nutritionist. So I did and changed my eating habits.

When I went back 3 months later my cholesterol had SHOT through the roof. WTF?! Oh, and my blood pressure was a bit high. Also previously perfect. What the hell did this nutritionist do to me.

I find out that my short term coverage with Assurant is “short” and useless because of the cholesterol and blood pressure, so I go online and apply to Providence Health Plan. I’ve had Providence before and for me it was good. It was $190, but better than $500.

I carefully looked at and check all the boxes, within the last five years has anyone had any medical advice for …

Now I had just recently heard on the news that someone had been denied insurance because she neglected to put it on her health statement. And I have nothing to hide or be ashamed of. And having Providence previously, they will have all my records anyway. Right?

Well I missed #32, a. Mental/emotional condition/depression, b. Therapy/counseling within last 5 years (if “Yes” record date of last session: Hmm, I even remember looking up when my last session was in April?

Now I’m not mental, I am emotional and I am blue most of the time. I think it’s my nature. And yes I have gone to therapy off and on for years. Good grief? What is wrong with that? Sometime you just need that objective outsider to help you keep things in perspective.

So why would I hide this? I have no reason to. But being the sly criminal that I must be (maybe should have had a different therapist) I lied on an application and now have no health care coverage.

The other part of this that is confusing to me is that I have been told in the past and believed that if you had continuous coverage you would be covered. No.

So I’m 49 years old and have had insurance of some sort for all of that. So I or someone have paid in a lot of money that like most insurance is never used just paid into the profit pool.

I have 30 days to appeal. Somehow I don’t think, it was an honest unintentional omission, will be acceptable.

May play it safe and just stay in until I re-establish coverage.

Happy New Year!


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