Was given misinformation and because ineligible for the lower cost lower oop plan

I have a plan through my job, and to keep the low cost plan everyone has to complete their physical once a year. I called to check on this because they required the physical to be completed 1 month before the plan year ended. I had my last physical and well woman’s the month between the deadline and the start of the new plan. I called out to ask when I could get these done again because I got a reminder email for everyone to do their physical/well woman’s. Representative told me I have to wait the full year. So if it was done on the 1st the previous year I was eligible to get it done again on the 2nd. I assumed last years would count because of this.

Get an email telling me I’m no longer eligible because I didn’t complete a physical or well Woman’s. Apparently the info I was given was incorrect and I was eligible for the next visit after 11 months. I’ve been calling the plan for 3 weeks now. No one will get me a supervisor or a supervisor call back, but I keep being promised that a supervisor will pull and review the call where I was given misinformation. It’s always 24/48 hours. No one is responding now. The cost of my plan is more than doubled. My deductible is doubled. I also no longer get my $2000 HSA. I see my PCP every 2 months for med and symptom checks due to a health condition. I’ve seen an endo twice in the past year. I had a visit with my OBGYN 2 weeks before the deadline that I had them just bill regular so I wouldn’t get denied. It’s not like I haven’t visited the doctor and completed physicals for all my dependents too. The change in plan also affects my child getting care for a health condition. Plan has a deductible, but the HSA covers it. My child’s therapy requires a deductible to be met. What was a 2k deductible covered by the HSA is now a 4K deductible I will need to pay OOP. I work for the health insurance company btw. They insure us under one of their plans. I’m getting nowhere with mm services or HR. Is there somewhere I can report them because their misinformation is now restricting my ability to access care for my child among other things.

See also  insurance only wants to cover prescriptions through expresscripts mail orders? how am I supposed to do that with controlled substances?

submitted by /u/No-Variation-3950
[comments]