My girlfriend might have lost her insurance, and we need help.
April 19, 2012 3:04 PM Subscribe
AskMe: we need help. My girlfriend just found out that her health insurance was terminated for non-payment (she thought she had paid it, and when I get home this evening we'll double-check our accounts to see what happened.) Whether the error was hers or the insurance company's, the company has stated that it'll take them 10-14 days to know whether or not they can reinstate the plan regardless. She has a pre-existing condition (ADHD), so consistent coverage is very important - and Ms. MP is starting to freak out. What's our next move, and how do we get through this?
posted by (The Rt Hon.) MP to Health & Fitness (8 answers total) 2 users marked this as a favorite
Some possibly pertinent details: her coverage with this plan began March 1, and it is a plan she is eligible for because she's a student in the CUNY system - the insurance company is Emblem Health/GHI.
This is what we really need to know:
* Is there anything we can do right now to make sure she's covered?
* Those 10-14 days cover a period where she was hoping to authorize a refill of her ADHD medication. How can we cover it in the interim?
* She's apparently been without coverage since April 1 - a time that includes a gynecologist appointment she had with the understanding it'd be entirely covered. What do we do with any resulting charges?
* What if, after 10-14 days, the insurance company declines to reinstate her?
There's also a personal/emotional side to this: the whole thing has been a real blow to my girlfriend's self-confidence in her ability to function as an adult, and she feels like a failure right now. (She's also currently on-edge at the prospect of telling her parents, who are helping subsidize her post-college education, about this, knowing there's a real strong possibility she forgot her monthly payment.) How can I best assure her that everything will be okay, she's absolutely not a failure, and she's not going to die alone and homeless either because of, or evidenced by, her being terminated from her health insurance plan? (Not me mocking her fear - that's something she's said she's genuinely feeling at the moment.)
Thank you, AskMe, in advance for your help - I absolutely know this is going to be okay in the end, but I think your advice and input will not only help us navigate the situation, but really comfort my girlfriend during a truly difficult moment.