What is the name of your state?KS
My husband is self employed and had health insurance coverage through NASE (National Assoc. for self-employed). His policy consisted of 2 separate parts, 1 was the health insurance and 2 was additional assistance for small businesses for tax issues etc. In November of 2004 he wrote a letter to the insurance company to terminate the 2nd part coverage (tax issues etc.) as of 1/1/05. The letter made it perfectly clear that the health insurance was not to be cancelled. The premium for the policy was always taken out of our account at the beginning of the month. In february we noticed that the insurance company was only taking out $35.00 (for Jan. and Feb.) and not the amount for his health insurance. We called and were told that the health insurance was cancelled with the letter he sent. If he intended to cancel the additional coverage he should have sent the letter to a different address, as this was handled by a different company. The premiums for both parts were always taken out together in 1 transaction so they obviously didn't have a problem distributing the money to the right place.
Anyway, the insurance company refused to re-instate the policy. They were willing to start a new policy, where my husband would have to go through all the waiting periods again! Finally a couple of weeks ago, after getting the agent involved they offered to re-instate if we backpaid all the premiums since January, which we don't have the money to.
While all this is happening, they are still happily taking out the money of our account for the additional coverage that was supposed to be cancelled as of January 1st. We finally got that cancelled after april's payment, but they also refuse to refund this money.
Is there anything that we can do? Can we get any insurance commission or agency involved? Can we file a complaint against this insurance company or with the better business bureau?
Any advise is greatly appreciated!!!
My husband is self employed and had health insurance coverage through NASE (National Assoc. for self-employed). His policy consisted of 2 separate parts, 1 was the health insurance and 2 was additional assistance for small businesses for tax issues etc. In November of 2004 he wrote a letter to the insurance company to terminate the 2nd part coverage (tax issues etc.) as of 1/1/05. The letter made it perfectly clear that the health insurance was not to be cancelled. The premium for the policy was always taken out of our account at the beginning of the month. In february we noticed that the insurance company was only taking out $35.00 (for Jan. and Feb.) and not the amount for his health insurance. We called and were told that the health insurance was cancelled with the letter he sent. If he intended to cancel the additional coverage he should have sent the letter to a different address, as this was handled by a different company. The premiums for both parts were always taken out together in 1 transaction so they obviously didn't have a problem distributing the money to the right place.
Anyway, the insurance company refused to re-instate the policy. They were willing to start a new policy, where my husband would have to go through all the waiting periods again! Finally a couple of weeks ago, after getting the agent involved they offered to re-instate if we backpaid all the premiums since January, which we don't have the money to.
While all this is happening, they are still happily taking out the money of our account for the additional coverage that was supposed to be cancelled as of January 1st. We finally got that cancelled after april's payment, but they also refuse to refund this money.
Is there anything that we can do? Can we get any insurance commission or agency involved? Can we file a complaint against this insurance company or with the better business bureau?
Any advise is greatly appreciated!!!