Dr. Wayne Dyer said in one of the many self-help books I read about forty years ago, "Guilt never changes the past and worry never changes the future". I had forgotten that quote for a couple of
days. Shame on me.
Seriously, ever since I was awakened by my brain at 1:30AM on Sunday morning, worry has been my middle name. By this morning, after reading all of your emails and comments along with all my ruminating, I still had not made a decision how to handle the issue. That is not like me.
Usually I make a decisive decision and go forward.
I got up at 7AM this morning ready to tackle something, somehow. First I called the Baylor Orthopedic clinic which connected me with insurance verification. I spoke with a very kind, efficient, woman named Michelle. I told her the situation, gave her the information that she asked
for and I requested, well pleaded, for her to find out and call me back. She said they usually did not handle it that way. I told her that I had not slept for two days and she said she would get back with me.
She did. The news was not good. With the information that I had given her, she was told that I was no longer a customer! Oh my. She said I would probably have to find another insurance company and apply and try to get a new policy somewhere for supplemental insurance. Okay...........
Then I called the bank to see what they knew, which was exactly nothing about the fact that the premium deductions had not been paid since 2016. She said I had to talk to the insurance company.
As I dialed that number I felt like I was calling "the devil". I'm seldom scared but I was quite stressed and a bit scared. I told this to the young man that I reached on the phone. His name was Tollis and we probably talked for at least 30 minutes! First of all, I had inadvertently given to the insurance verification woman a number that is no longer used at this company as a member group number.
It seems that in 2016, the company changed their systems and "lost the information on quite a few
customers". I was one of them. I was still in the system as "active". I could not believe my ears when Tollis told me this. You see, he took enough time while talking to me to ask me which membership card I was using. The "old ones" or the "new ones". Since there was no issue date on either that I had, I had no idea. Once we resolved that and I found out that the info was different then what I had provided to Michelle. That information was what elicited the info that I was no longer an active customer.
Now Tollis reassured me that I would not have received a notice of a premium increase if I was not still an active customer. THAT fact allowed me to pay the back premiums for all of 2017 and all the months of 2018 plus December of 2016 so I could be current. My insurance has been reinstated
and I'm now exhaling with relief.
I can leave for Texas knowing that we can proceed with the doctor's appointment and the surgery in mid-March. No worries. Whew.
Thanks to each and every one of you who cared enough to comment or send me an email or called me with suggestions. I SO appreciate each and every outreach. It is wonderful to have such great
I'm off soon for another "great adventure". As Helen Keller said, "Life is either a great adventure or nothing at all". Amen.