This post is going to be very confusing because the whole thing is still confusing to me.
As much as I love being able to get insurance through the state, I am finding that it is truly a nightmare.
We can all remember my issues with getting coverage in the first place (if not check out the posts labeled insurance) and how glad I was that I was finally approved. Well it turns out there was a huge snafu somewhere along the line and I have the wrong coverage...twice.
In April I was approved for Health Safety Net. This being basic hospital coverage in case something happened I would be covered at a hospital and all all community health clinics (i.e. those places you see on TV where anyone with out insurance can go to, a breeding ground for germs, ewww).
In May I submitted forms to show my disability to get covered under that insurance. I was still not covered for anything else and paying out of pocket for my meds.
In June, a decision was made (though I have no paperwork on this, I found out by calling on Tuesday), though what I still don't know.
In July I was officially granted insurance with MassHealth Standard, Neighborhood Health Plan. Cheap co-pays on meds, no premiums, no co-pays on doctors. Perfect.
Fast forward to November when I receive the letter stating my MH Standard is being dropped because I make too much money. And that I am being switched to CommonWealth Care. Have to pay a premium, which is still cheap and co-pays on everything, including doctor visits. No biggie.
Then comes this Tuesday when I hear from the Social Worker at clinic so we can figure out my impending hospitalization. Apparently I am not supposed to be on CommonWealth, but I am supposed to be on CommonHealth. Yes really one letter difference. CommonHealth is for those disabled and premiums are based on a sliding scale of income. I was supposed to be informed of this, through MassHealth, but never was (letter lost in the mail perhaps?). There is a qualifying clause in order to start the coverage. Either meet the $5688 deductible or have a letter written saying you work for at least 40 hours a month. THANKFULLY I just started that consulting work and can get a letter from them. This coverage will be backdated to October 25th, so my appointment yesterday will be covered. However, I am still unsure about the hospitalization (which starts today at some point).
So that is my insurance dilemma in a nutshell. I have insurance, just don't know how active it is. I paid my first months premium on the insurance I am not supposed to have, so I don't know what will happen with that money. And I have no idea how long my IV stay will be.
But hey, on the bright side....I will still get my meds in there and be covered by SOMETHING!