More I squared

This a continuation of my musings about insurance incompetence, which I call I2. In the first post on the subject I discussed Social Security. This issue has by now been resolved; the undue (post-mortem) payments to my mother’s bank account have been deducted by the Treasury.

Now I come to my experiences with private insurers occasioned by my mother’s recent death. First, the health plan.

I phoned the healthcare-insurance carrier to inform them of her passing four days after it happened, and after a wait on hold for a reasonable length of time I reached a representative, who took my information and assured me that it would be taken care of. When I saw, a couple of days later, that her bank account was billed for a premium payment, I assumed that this was to cover the previous month, and gave the matter no further thought.

A month later, though, there was another premium deduction. By now it was January, and when I called again the wait on hold was an hour. When I finally reached someone to talk to, she seemed to know nothing of the cancellation, and said that she would put me on a brief hold to discuss the matter with someone. After twenty additional minutes I gave up.

I used my mother’s data to set up online access to her insurance account, and found that it was still active.

I phoned again a few days later — again, with a long wait — and this time reached someone who did see a record of my original call. This time I was told that a cancellation takes 30 business days to take effect. That, I calculated, would be some time in late January. When that date came around, I checked again, and again found “active.”

Another phone call, another long wait. This time I got apologies for an overly busy staff, and was asked to wait another couple of weeks.

I checked again today, and the account is still active. However, this is the time of the month when deductions have been taken, and so far there has not been one. Maybe there is hope for a refund at some point..

Note, also, a big difference: while the government giveth but is slow to take away, the private sector taketh away but is slow to give back.

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