This has been one of the most stressful days I've endured in a long, long time. Today was the second day this week that I spent three hours on the telephone with a trained monkey at a large insurance brokerage house who assured me that she could quickly and accurately set up 2016 medical insurance coverage for my wife (I am of medicare age, but my wife is not).
Despite her best efforts (much like watching a small child or large animal access a keyboard), she managed to sign me up not for a policy I needed, but for one that none of my wife's doctors will accept. Then she threw her little paws...make that hands...into the air and said she could not undo what she had just "accomplished." But, ever helpful as she is, she gave me a switchboard phone number to Blue Cross & Blue Shield of Texas. Well, you can imagine how that went.
No insurance company wants to hear from a person trying to cancel a policy with a $723 per month premium. Blue Cross, I'm sure is no different from the rest, but to the company's credit, I was able to cancel the policy after only being transferred four times (and having to repeat my story four separate times). So only 45 minutes from the time I first heard Blue Cross's automated menu, the job was done.
Now I am back to square one on my insurance search. But at least this time, I've identified exactly the policy I want to buy and all I have to do is call the asylum again to see if they can figure out how to sign me up correctly. Right? Well, I made that call, told my story, and found out that no one in the monkey cage can talk to me until November 13. I do have an appointment now and was told to call at precisely 11:15 to complete the new application.
Fool that I am, I asked if they could tell me the name of the specific representative I would be working with. Oh, no, that's not the way it works...if the board is already filled by the time I call (which they admit is almost guaranteed to be the case), I'll just have to wait the usual 45 minutes on hold before a live monkey finally says, "hello, how can I screw things up for you today?" I. Just. Can't. Wait.
(I don't mean this to be political or to offend anyone. But my newly acquired firsthand experience leads me to the opinion I've just expressed in photo and words. My wife's premium will be about 214% higher than it is in 2015 and I (generously) estimate that we will be paying that obscene amount of money for about 70% of the benefits she now enjoys.)