I guess I just won’t ever have insurance…?

I started my current job in late September.  early October, I sent in paperwork to the state letting them know that I can now afford to get off the assistance insurance plan I was on.  I never heard anything, and kept getting services and meds for practically free.

December comes along, and I send in another completed form.  again, radio silence from them.

April 10th, I receive a letter stating that my coverage ended on March 30th.  firstly, thanks for the heads up.  secondly, finally.  (I can afford to pay for my own insurance, so I want to.  I want the funds to go to the people who need it, not to people who are scamming the system; and I didn’t want to be that person.)

so I get onto MNsure.org, which is the method that most Minnesotans use to find their insurance plan, and I submit my application.  a few days later, I log on, but it looks like nothing was fully processed.  so I was on the phone between MNsure.org (via whom I purchased the insurance) and Medica (the actual insurance company) countless times, being on hold and/or transferred for most of a phone call.  I’m talking 40-minute holds just to talk to the first person, much less all the bouncing back and forth that follows.  Medica: “tell MNsure this.”; MNsure: “well, tell Medica that.”  it was like being between two people standing face-to-face who are doing that “I’m not talking to Sally” thing.  wtf.

additionally so, these places are only open on typical 8-5 schedules.  I have  a 30-minute lunch, and I’m expected to magically make a 40-minute hold time fit into 30-minutes?  again, I ask: WHAT. THE. FUCK.

eventually I somehow speak with humans just last week who said they were pushing my application through.  YAY!  she adds that I need to make sure I’m not late on the first payment — whose invoice should arrive in 60 days.  wut?  why so long??  you know what, whatever.  I just need insurance right now.  I’ll deal with down the road then.  we know we have the money for it, so we’re good.  and if this lady is pushing through my application, that means soon I can get the prescriptions that have been waiting for me at my pharmacy.

I go online over the weekend to see about getting a temporary insurance card, or at least some ID and Rx numbers.  but nothing.  it’s still blank.

so yesterday I call around and learn that my application has not yet been pushed through. BAH!

so today, I cheated.  while I started the call at the beginning of my lunch.  I stayed on the call after lunch was over; I ensured I was doing work-stuff at the time, of course!  I wasn’t cheating that bad.  and they mentioned I could call 10-minutes early from my lunch to get through some of the hold time.  so whatever.  I need to get this handled.

after being on the phone with these organizations for OVER AN HOUR AND THIRTY MINUTES TODAY ALONE, I gave up.  I’ll try again tomorrow.

THIS. IS. PREPOSTEROUS.

at the one-hour mark, I was livid.

I think I’m just going to have to take a day or a half-day off and go to some office and handle this shit IRL.  because 1] I don’t want to get hit with a fine for not having insurance; 2] I need insurance for my meds and my docs.

speaking of which, I had to cancel my psych appointment for tomorrow because I HAVE NO INSURANCE.

I hate everything related to US health care right now.  like, even more than usual.