I decided to come over here to the blog so I can take a break from the infuriating insurance-related calls I’ve been making this morning. 😠 I still haven’t made it past the first thing on my “to do” list, because what should have been simple turned into a shit show. 😒 When I originally signed up for my dental plan, the guy on the phone said that both of the dentists in my current dental practice were covered by the plan – but that, for some reason, he wouldn’t be able to have those dentists’ names indicated on my insurance card, so I’d just need to call in once I got my card and they’d update my information in their system. 🤨
So that’s what “item one” was supposed to be today. As is typical with customer service these days, I called in and was immediately connected to a live human… but a live human that I couldn’t effing understand due to her thick accent. 🙇🏻 I think even she was aware of this though, because she spoke slowly enough that I could barely get enough information to figure out what she was trying to tell me. I told her why I was calling, gave her my information, gave her my dentists’ information, and was put on hold.
When she got back on the phone she told me that she “regretfully” wasn’t able to add those dentists to my coverage, because they were not participants in my plan. I explained to her that I was told, repeatedly, that my dentists were covered by this plan when it was being offered to me – and that I knew those enrollment calls were recorded. 😠 She put me on hold again, then returned saying that she had just spoken to her supervisor and that she was authorized to cancel my plan without any penalty.
Normally, as I was told when I signed up, there’s a minimum contract length of a year once you agree… but this call… it just seemed suspicious. 🤔 She didn’t seem surprised that my dentist wasn’t entered into their system when I signed up. She didn’t seem surprised that I was told I’d be getting coverage that they would not be able to provide. She didn’t seem bothered when I mentioned the initial recorded call, and that I wanted to speak to someone above her. And the way she (allegedly) spoke to a “supervisor” herself and only a minute later came back to tell me that she would be able to cancel my plan without any penalty… it just really seemed like something she’s been through plenty of times before. And it definitely makes me wonder if that’s Humana Dental’s routine to sucker people in. 😒 Signing up people who won’t complain and will just continue to pay for a year of something that’s essentially useless to them.
So, yeah, it’s good that I was able to get out of that plan… but I still ended up getting fucked, because we’re now outside of the Medicare enrollment window – and I can’t make any changes to my plan, including adding a different dental plan, until October of 2019. 🙄😠 In trying to find the positives of this situation… most of my major dental work has already been done, so new coverage wouldn’t make a huge difference at the moment, plus I do still have default preventative dental coverage… so x-rays, cleanings, diagnostic stuff… a lot of that stuff is at least partially (if not fully) covered.
I’m pissed, but totally not surprised. With all of the medical/insurance/legal shit that I’ve had to deal with over the years, my default condition is expecting shit to go south and me, gritting my teeth, trying not to shout at the poor shmuck on the other end of the line. 😐 Okay, I guess it’s time to move on to item number two…