Applying for State-Assisted Health Insurance, Part 1
In early December, my employer kicked me off of their group health insurance plan. While it was a terrible plan with high co-pays and many uncovered services, it was better than no health plan at all.
I live in Massachusetts, which I believe is the only state where it is illegal to not have health insurance. When I lost my health insurance, it was not an option to go without. As my salary is low and insurance premiums are high, I had to figure out what to do.
Today is the day a representative from my company’s new health insurance provider is coming onsite to enroll us. I knew that I was technically no longer eligible to be on the company’s group plan because I have not been meeting my sales quota. However, the company is far from on the ball and I’ve been able to stay under their radar. Because of this, I had high hopes that the company’s disorganization would keep me continually insured. I was wrong.
When I went to meet with the insurance company representative, she was set up in our lobby. Our lobby is small and people continuously pass through it. There is no privacy and everyone can hear what you are saying if they pay attention. This was where people were supposed to talk about intimate details regarding their health? Really? I’m not sure that was legal; people are probably entitled to a semblance of privacy when discussing personal topics like this.
When I sat down (in the lobby) for my meeting with the insurance rep, she told me that I was not on her list and she would need to call HR and verify that she could put me in the system. She called, then we waited for an answer. And waited. And waited. And made annoying small talk. Finally, she received a text that said, “Stacey Goldstein is not eligible for insurance.” The rep read me the text. This is how I was kicked off my company’s health insurance policy. In the lobby, by text, via someone who did not even work for my employer. Shouldn’t my company’s HR department have informed me of this themselves and in a private setting?
Yes, the company had every right to take me off their policy. I was not meeting the guidelines they set forth; it was a black and white issue. However, the roundabout, public way I was informed of this fact infuriated me.