Right
I am reporting it to the Insurance Commission for investigation.
It will be interesting. I think it is a huge "coincidence" that it would be mine that they didn't process, since coincidentally I did have claims last year. They can't turn you down if you meet the group eligibility requirements, and we've satisfied the pre-existing conditions clause, too. Here's a way for them to get out of it. Waiting for a large claim to do it is even more interesting. After all, if they had told me in December that my mini-claim was denied, I'd have had a chance to remedy the situation by repaying. It is pretty stinky, as you say.
They are sending me a certified letter in which they state some things that can be proven false (for example that my card was denied, that they "tried to contact me" about it - I have the credit card company to back me up on the first one, and a phone record subpoena - it's a toll call - will catch the second one), and that will kill their credibility with the judge before they ever get to the questions about why they verified coverage on three separate occasions in 2003 if my coverage was canceled or not initiated in August 2002.
I might suggest to my attorney that he let their lies stand, though, for the following reasons.
I think they are cooking their own goose. If they wanted to claim that they just now discovered that, oops, they never processed the payment, I think nonpayment might stick in their favor. But by claiming that they did process it and it was denied and they knew that already back in August and despite that continued to verify coverage six months later, they've stuck themselves with responsibility for having misinformed me. They can no longer claim that they verified coverage in February because they "didn't know" that the premium wasn't collected. I wonder what their reason will be.
So they have willfully prevented me from attempting to repay or, for that matter, from seeking other coverage elsewhere. Ergo the fact that we are not covered right now with a huge hospital bill pending is directly attributable to their failure to inform, and they have screwed themselves out of their best reason for failing to inform, which would have been the "oops" excuse, that they didn't know it themselves. So let them lie and say my credit card was denied in August. They'll be having some 'splaining to do.
Or maybe it's true. As someone here suggested, maybe the CCC computer was down when they tried. I don't know.