Early expirations: A surprise-a-minute with a ACA/CoveredCA health plan (Shallow Thoughts)

Akkana's Musings on Open Source Computing, Science, and Nature.

Fri, 07 Feb 2014

Early expirations: A surprise-a-minute with a ACA/CoveredCA health plan

I went to the pharmacy to pick up a prescription a few days ago. The pharmacist said "We don't seem to have any insurance on file for you." I said "That's funny, I just gave you my new insurance card about a week ago, at that window right over there." That would be my shiny new hard-won Blue Shield card with my Obamacare/ACA/CoveredCA plan number.

The pharmacist went into the back room and came back a minute later with a printout. "Looks like that insurance expired on 1/18. Was that a temporary plan number or something?"

"Well, if so, they sure never told us about it, and we've paid through the end of February."

He went to the back room again and got someone to call Blue Shield. And in 10 minutes (whew, I was worried they'd hit the same hour-long queue we individuals have to wait through ... I tried calling them with a billing question last week and had to give up when my phone battery ran out long before I got through the queue) they came back and gave me the prescription for $5.

Does that mean that the problem is solved and the early expiration date was just a mistake? Or did they do some one-time override, and I'll have to argue every time I go in using this card?

As it happens, I'll never know, since I'm about to leave the state. So I get to go through the ACA application process all over again (oh, joy!), this time in a new state using the federal Healthcare.org website, about which I've heard so many wonderful things. It'll be interesting to see how Healthcare.org stacks up now compared to the CoveredCA site back in November.

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[ 19:04 Feb 07, 2014    More misc | permalink to this entry | comments ]
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