Applying for State-Assisted Health Insurance, Part 2
My first complete week without health insurance. As I still had hope I would be on Commonwealth Choice for February, I started researching when the last day of the current month is that you can purchase insurance for the following month. I want to hold out as long as I can before buying February coverage because I am hoping to have gotten Commonwealth Care by then.
However, this information is nowhere to be found on any website. I did find out though, that there is a 63-day, legal grace period for people like me who have lost their health insurance. You have up to 63 uninsured days before you incur a tax penalty with the state. I find 63 days to be an odd time period, but whatever, I’ll take it.
Also that night, I went to Target to pick up two prescriptions. I was prepared to pay full price for them. At Target, I am given the best news of my day when I find out that my auto-refill prescriptions processed through on 12/28 and were therefore paid by my old health insurance. Score! I also find out that one of my prescriptions is $70.99 without insurance. That is a lot more than I thought it would be. The pharmacist suggests that I get some health insurance. She means well, but really? Gee, thanks for that tip. I hadn’t thought about getting myself some health insurance.
I still have not heard anything, so I decide to call and check on the status of my application.
Call One: It takes three weeks to process an application, let me transfer you to MassHealth so you can check on your status. As I have applied for Commonwealth Care, I’m not sure why I have to talk to MassHealth. At any rate, I was transferred, then hung up on.
Call Two: I called back, pressed different numbers, then got to a person. The customer service person told me that my application was received on 12/17 and is pending. I am told it takes 45-60 business days to process an application and what I should have done was go to one of their ‘in person’ sites to apply. Apparently, when you do it in person, you can get processed in 15 business days. I am told that I can still do this if I want to reapply and try to speed up this process.