Friday, September 7, 2018

Didn't think "stress test" meant this kind of stress.........A cautionary tale for old folks with short tempers

Well, I wake up on the appointed day and prepare myself for the Cardiac Stress Test.  I had comfortable clothes and my running shoes.  Not that I run, mind you, but I do have running shoes in case I might one day want to run.  Kinda like the fabric stash, red for when you wake up and say I need red, green for when you want to make trees, etc.

I get to the doc's office and they inform me that the insurance has cancelled my policy and I have no insurance.  What?  Huh?

Frank signed me up for COBRA and he told me the transition on Sept 1 would be seamless, no change, nothing different.  I wouldn't even need a new card.

Well, this was different.  For sure.

I call him, and I have to admit I was kinda judgmental.

He responded with the fact that I had wanted to make the appointment and use the insurance.  Really, is that your argument, darling?

I called Archrock HR.    Who referred me to Archrock Benefits.  Who referred me to Archrock Benefits - COBRA Division.  Who told me that I needed to call Blue Cross of TX.  Who assured me that I did have insurance but with a new number.  Even though weren't going to send me a new card.

I was supposed to use my ESP and divine the number through the universe.

I get the new info and give it to the check in people and they get me set up for the Stress Test.  I can tell you that I really didn't need it by then because my heart had already been tested with all the stress I needed for that day.

I walked fast, uphill.  They bumped it up three times and I was keeping up.  I could see my heartbeat and it was steadily even.  I was pretty sure that after 20 minutes of the fastest uphill walking I could do, that was more than enough to satisfy the doctor.  And just before my lungs exploded the tech asked if I wanted to stop or go on one more level.

Stop, I barely got the words out!  Stop!

Doc called me later that day and told me everything looked great.  I was going to live.

So today, is Friday and I thought, hmmmm……...I wonder if my prescription plan got moved to COBRA and got a new number.

I called Archrock Benefits -COBRA Division who told me that Blue Cross of TX would have to give me that information.  Blue Cross of TX told me that Express Scripts would have to give me that information.  Express Scripts told me that Blue Cross would have to give me that information.  Blue Cross told me that Archrock Benefits would have to confirm.

Finally, I got a conference call with Archrock Benefits, Blue Cross and Express Scripts and after they argued among themselves for a while decided that I did have an active benefit policy.

But...….and here is the catch...…...none of them would be able to send me a card with the correct number on it.

I guess what I will take away from this whole experience is that I need to develop my ESP skills to another level.

I have a Cobra Health Care Policy and I have the Express Scripts Prescription Policy but I would only have a card for the Blue Cross Policy.  I would have to continue to guess at the number for the Express Scripts policy.

Really?  The Blue Cross lady actually got on the phone call and ARGUED with the Express Scripts lady.  She was pretty ticked off that they refused to send an ID card.  After Express Scripts Lady hung up, Blue Cross Lady says, what a BITCH!

So I eventually will need a prescription or a refill and it will start all over again.

I hope the pharmacy will believe the piece of note paper that will be folded in my wallet with the ID number of the Express Scripts policy.  We shall see!

I think there will be more drama before it is all over!

And that I will be counting down the days till my Medicare Policies kick in!


5 comments:

  1. I am SO right there with you. When DH retired, we were told the insurance transfers would be seamless. He went to Medicare and younger son (disabled) and I were to stay on the current plan since I was not yet 65. HAH! NOT SO MUCH. I spent dozens and dozens of hours on the phone with LM Benefits, their benefit provider named Via (now has a new name), United Healthcare, and CVS Prescription benefits. Conference calls, company people arguing with other company people (and from a previous year's experience prior to DH's retirement, the name calling directed at that Express Scripts lady was NOT out of line - they were singularly unhelpful and quite obstructive in our situation too). I am SO happy to now be on Medicare and away from the other retiree/spouse coverages (although they tell us our disabled son can continue his coverage un-interrupted. We shall see how smoothly that happens -- am I anticipating seamless, not really). Hang in there!!!

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  2. The insurance companies seem to do so much to prevent using the policy you are paying for that I was amazed to find out how much they try to do. I know someone in insurance and he tells me they would much spend money on patients rather than trying to work out the arcane regulations. You are in COBRA hell, a well known place to insurers. If you had not fought for your insurance rights, no one would have volunteered to step up. The maze is unbelievable and the biggest problem is meeting all the government requirements along the way. COBRA is a great idea except for the mountain of paperwork required on all sides. Sometimes people are refused because the paperwork hasn't caught up and I guess in this case that is really where you are, but if you are behind the times definitely don't admit it. I feel sorry for everyone remotely associated with healthcare anywhere.

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  3. BTW just read my comment and the word rather should be after much and then that sentence is what I meeant to say.

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  4. This is why I don't want to retire and don't really go to the doctor. If I retire it will be a hassle, and if I go to the doctor it will be a hassle.

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