A Little Too Much Insurance
Ten months ago I switched jobs and insurance carriers. Or so I thought.
A few weeks ago my current insurance carrier, who had been paying my claims to that point, indicated that my account with my previous insurance carrier was still active. This meant that my current insurance carrier might not pay certain future claims because they thought they might not be my primary insurer.
I figured that this would be an easy problem to rectify. I called my old insurance carrier and explained the situation and that I wanted to cancel my insurance. They refused.
Apparently, someone from my previous company’s HR department needed to cancel the insurance. However, my previous company had been acquired and it no longer existed. The individuals they listed as being able to cancel my insurance no longer worked for my old company or the acquiring company.
Even after I explained this, they still refused to let me cancel my own insurance coverage. After several hours on the phone over the course of two weeks, I finally got ahold of the previous insruance carrier’s local sales representative who quickly understood the situation and applied for a retroactive cancellation of my insurance, all the way back to when I left the previous company. Once that went through, my new insurance company picked up the change and all was fixed.
Here we are, in a country were some people can’t get insurance, and I’ve got two policies, one of which I can’t get rid of.