Isurance Plans and our Loving Elderly parents
First of all Make sure you are aware of all the Plans they have. Pay close attention: because it is so important to send a Change of Address within 6 months..Otherwise they are automatically dis-continued and so is their coverage.
No matter if you contact the Insurance Company and send them the copy of the POA (which is Power Of Attorney) and give the Post Office the change of Address....even call the Social Security Office and inform them..If you don't inform the Insurance companies of the change of address ....they lose all their Insurance...Which is what happened to me and my Mother.
So now I am in the middle of sending claim forms to collect monies from the Insurance Companies that are totally collectable...but a very big hassle. Much time on the phones...talking to many different people..another note: keep the time, date,and who you spoke to on some sort of paper work..It is all legal in case of a court action. Plus it helps you to remember when you called...what you were told... and who you spoke too. I write dates..time..and what they say to me...and keep it with a copy of the Insurance forms.
We are now paying "out of the pocket" monies until the first of January. Which includes Pharmacy...Doctor Appt....Tests....and Emergency Care. Well Medicare does kick in for 80 o/o of some of it.
I have a large amount of monies to be refunded by a Long Term Care Insurance Company..but has been delayed because they still had the old address in another state..and it is being forward by the Post Office. Even though this Company has all the paperwork they asked me for...except for the address change...which I was un-aware of......
Hense the phrase "Lessons Learned"... there is more though..but yet another Hub Page for that