Money To Live

September 30, 2008

A 2 day gap

Filed under: spending — by moneytolive @ 5:00 am
Tags: ,

Between when my student insurance expired and my employer’s insurance started, there was a two day gap.

Being what I consider to be responsible, I bought 30 day short-term coverage with the intention of canceling it after a few days. I tried canceling it, but between my work schedule and the hours the office was open, I could not get through to a person, and the automated computer system would not me cancel the policy. When I finally did reach a person (after two weeks), I could not cancel my policy.

Of course, I had to go to the doctor in September, and I paid about $200 out of pocket for a 5-minute doctor visit and 7 days of antibiotics (I got a cut, which got infected … it was gross and painful!). If I had not gotten the short-term coverage, I would have been reimbursed for these expenses. But, since I have the short-term policy, I cannot be reimbursed by my new policy.

In the end, having emergency coverage for September cost me $230 more than it would have cost to go two days without coverage and then join my employer’s plan.

Doing it over again, I would still get the short-term coverage. But, I would read the policy more carefully in order to understand the cancellation policy. I still might have the problem with reaching a human at the insurance company to cancel the policy.

Today is my last day of coverage on the short-term plan and tomorrow I get corporate benefits! Yay!



  1. Adding insult to injury? šŸ™‚

    Comment by Shannon — September 30, 2008 @ 9:57 am |Reply

  2. Sorry to hear about the cut. Not fun.

    Comment by Mary Bold — September 30, 2008 @ 3:11 pm |Reply

  3. […] while ago, I wrote about my health insurance. For various reasons, I spent several hundred dollars out of pocket and had to file a claim form […]

    Pingback by Money To Live - Update: health insurance reimbursement — December 17, 2008 @ 5:05 am |Reply

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