Insurance Grace Period BS

I signed up for my BCBS health insurance on my state's exchange 1st week in December to get coverage for 2025. Went to pay my 1st premium payment as directed through the company's auto pay system and that was a no go. So I wait a week or so to see if they are going to send out an invoice for pay instead, and eventually got the welcome packet with the ID card and such, but no bill. So I have a ID card that's not worth shit if I have not paid my 1st premium, and call BCBS billing directly to see if I can pay this money owed. The CSR says no because they are behind with creating invoices "due to high demand" and I can't pay through any means until they have done up the invoices which won't be done until maybe the 1st week in January. Okay, now I'm worried because the bill needs to be paid by the 1st to be insured, and I tell the CSR this. The CSR says don't worry the 1st week of January is still in the "grace period" so I'm covered because I have the same plan as 2024 therefore any claims made during this period will be honored. Like I am supposed to believe this BS. I get hit with some major catastrophic medical issue during this "grace period" those heartless greedy bastards will use the non payment to quickly drop my ass into the 5th circle of Hell that is "Deny, Delay, Defend" to not cover treatment costs.

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anonymous Other December 21, 2024 at 1:28 pm 1 0