| Review: |
Older kids get thrown off without warning!! Beware
In January 08 my daughter turned 20. In June 08 she finally had waited out the 6 month pre-existing condition waiting period where you pay for absolutely nothing for 6 months. She then finally went to the doctor for a checkup (in June). Apparently at age 20 a dependent gets thrown off your coverage (who knew?), no questions asked and no warning. I called to ask a question in July 08 and at that time the bulldog customer service rep. must have realized my daughter was over the age limit. The next thing I knew my daughter was cancelled retroactively back to May 08. They never sent me a letter, email, smoke signal - nothing! Nothing to alert me to this fact. I didn't find out until I suddenly got a bill for the whole amount of her doctor visit in June. I called, furious, and they actually agreed to pay for the doctor visit but did not offer me a chance at that time to continue her coverage via rider. She has gone for another few months without insurance as I explored different avenues and then found out that I could have continued coverage for her via a rider all along. Finally, I signed her up again with a rider two months ago - she had to go to the emergency room for an allergic reaction last night 11/25 and assumed she was covered...no such luck...she won't be covered until Jan. 1, 09. I would like to know why it takes them one second to cancel someone but four months to add them...and why do they keep playing with my daughter's insurance coverage?? Do they consider my daughter expendable or something? And how can we continue to pay for coverage for the rest of the family after we're in hock up to our eyeballs with doctor bills which they have strategically avoided by playing around with coverage, dates, pre-existing conditions clauses and age limits? |
