Aggrivation
Often I've had to pay penalties in my life because I was too lazy or complacent to do things properly, ...late fees have eaten a large portion of my earnings over the years.Not anymore, though. As responsible head of household I have everything under control. Nothing is left to chance.
Last week we got a letter from my dentist office. They are resubmitting a bill to my insurance company for my wife's dental procedures. When I call to find out what it is all about, they office person tells me that they never heard from my insurance company.
Two weeks ago my wife decided to see what our coverages were for dental, so she looked up the website and saw that her account was not listed with my account. I've been too busy to look into it.
So, assuming these two issues are related, I call the insurance company. After talking my way through an annoying voice recognition system, I talk to a cold voice that seems far less human that the computerized recording.
She asks for my account number. I ask if my wife is listed on my account.
No.
Any record of her at all? Was she dropped?
No. No record. Talk to your human resources people.
The attitude was clear. We have no record of her, that gives us the right to deny your claim in as rude a fashion as possible and send over a fleet of kill-bots to torture and kill you and your family.
So, I look up the email from our old HR who moved on to another company recently. In it she clearly states that she has sent off our information and that my wife is covered.
So, I contact HR and talk to the new girl. She calls back after talking to the insurance company.
Unfortunately, the insurance company has no record of us adding my wife to my policy. My HR people did not keep the fax receipt to prove that it was sent and received.
If the dental procedure took place within 60 days of today, then they can approve it.
The dental procedure took place in November. Five months ago.
Now, my only hope is some peon at the insurance company who is going to "fight" for this on my behalf. He did say that sometimes the insurance company will approve paying for the bill, but then charge me the premium for the year, which is higher than the bill.
Chances are they will deny this, and I, having done nothing wrong, will have to pay.
But I'm not going to just give up when they deny me. I'll take it to court if I have to.
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