I pretty pissed off at my whole medical insurance situation.
I am losing my employer health insurance when my daughter is 12 weeks since that's when I would have returned to work. I am going to be a stay at home mom and my husband doesn't get health insurance through his work, so we applied for private health insurance on our own.
I already got insurance for my daughter weeks ago, but my husband and I are still waiting for our application to be approved. It should have been done now since our insurance runs out in 10 days, but my fucking doctor's office hasn't sent out my medical records to the insurance company to be approved so we are pretty much at day 1!!
I called my doctor's office and ripped them a new asshole and asked them why the hell didn't they send my medical records 3 weeks ago when they were requested and they said, "Oh, the person that does that quit 9 weeks ago so no one has been sending medical records out." The records have been requested 3 times and they never responded to the insurance company!
Well, I ended up bitching hard core and saying they better get someone to do it by tomorrow at 5pm or I am coming down there in person to tell them how to do their job. I got pretty ugly but I never yelled or cussed (I almost lost it though). I get a call back an hour later and some woman is apologizing and saying how sorry they are and they would have it done tomorrow morning and I can call at noon to make sure it's done.
Once they fax the medical records to the insurance company I still have to wait for the insurance company to approve our application which could take a day or over a month.
If they don't approve us in the next week we won't have any health insurance!!! I am freaking out. We are not sick and I am sure we can go a few weeks without seeing a doctor since we are super healthy, but can't this come back to haunt us if we try to apply for coverage in the future? I thought if a
private (not an employer) insurance company finds out you had no medical insurance at any point they can deny you coverage, is this true? My daughter has coverage so I am glad I don't have to worry about her, but I am stressing out so bad that we might not have coverage for a few weeks.
I could get cobra insurance for a month, but it would be about $700 for the month instead of $200 and we are hard up for money since I just had the baby and now I am losing my job.
Any advice? Has anyone gone without insurance? Has anyone got insurance privately since they couldn't get it through their work?
P.S. On top of this I am freaking out that we are going to get denied or increased premiums because I got into a car crash (not my fault) when I was pregnant and I was hospitalized because of preterm labor. Then I went to a chiropractor so I am afraid I will have to go back to work if I can't get health insurance on my own. If the premiums are higher I will have to sue the bitch who hit me because I would have got the lowest premiums because I was 100% healthy before the car crash. I am all better now, but on paper I look tainted.