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	<title>My Zen Arcade &#187; health insurance</title>
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	<description>There are two kinds of republicans: millionaires and suckers.</description>
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		<title>Your company&#8217;s health insurance: How not to run it</title>
		<link>http://myzenarcade.com/2009/07/03/your-companys-health-insurance-how-not-to-run-it/</link>
		<comments>http://myzenarcade.com/2009/07/03/your-companys-health-insurance-how-not-to-run-it/#comments</comments>
		<pubDate>Fri, 03 Jul 2009 15:12:04 +0000</pubDate>
		<dc:creator>moleboy</dc:creator>
				<category><![CDATA[my life]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[work]]></category>

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		<description><![CDATA[So, months and months ago (I probably mentioned this), we were told that the company was looking for a new health insurance provider.  Later, they gave us form to fill out for a provider that starts with A and ends with A.  They said it was to help the A-A come up with an estimate.  [...]]]></description>
			<content:encoded><![CDATA[<!-- sphereit start --><p>So, months and months ago (I probably mentioned this), we were told that the company was looking for a new health insurance provider.  Later, they gave us form to fill out for a provider that starts with A and ends with A.  They said it was to help the A-A come up with an estimate.  These forms required a detailed medical history for anyone who might be covered, as well as basic but personal information like social security numbers.</p>
<p>I was pissed.  I was fine with providing the medical history, but felt it should be done anonymously.  Anything else was basically providing all the information needed to get far too far into my history than I was comfortable with from a company with whom I had absolutely no agreement.  But I&#8217;d only been at this job for a few months, I&#8217;d just completed a world class fuckup, and decided that causing waves was not a good idea.</p>
<p>So, middle of May, we get an email saying that there&#8217;s an informational meeting from one of the companies bidding on our business.  As it turns out, that is misleading.  It was a meeting announcing that we&#8217;d gone with A-A and that the forms we&#8217;d filled out were basically, our applications.  Further, we were told in the meeting that we were required to make a decision before leaving the meeting (there was a bit of flexibility if you raised a stink).</p>
<p>Finally, we were told that the change-over was happening in 2 weeks!</p>
<p>Needless to say, people were pissed and HR saw the error of their ways and switch she change-over to July 1.</p>
<p>I&#8217;m not thrilled, but its still a reasonable plan and we were able to get my Ms. Moleboy&#8217;s operation done before the change (which saved us TONS of cash).</p>
<p>June 30 comes and we are told that the broker we went through has yet to get A-A to give us ID cards or group numbers.  We are told that we are still covered retroactively, but any costs will have to be paid out of pocket and a reimbursement claim submitted to A-A.</p>
<p>1. A-A has a history of denying claims as much as possible (Ms. Moleboy has done some work with them)</p>
<p>2. If they couldn&#8217;t get us our memberships in 6 weeks, what would have happened if they&#8217;d tried to do it in 2 weeks?</p>
<p>At this point, we have to consider ourselves completely uninsured.</p>
<p>This entire thing, from the initial deception, to the sudden changeover, to the poor results has been one gigantic clusterfuck.</p>
<p>And someone on our payroll made money while screwing up everyone in the company.</p>
<p>glee.</p>
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