My health insurance company charges me a couple of days before
1st of every month. E.g. for the month of February, I would be charged around 29th
January.
In mid April, I changed my health plan. My old premium
was $135. Due to change in coverage my new premium would be $109.
At the end of April I was going to be charged for month
of May. Since I changed my plan in the middle of April, I was expecting that my
total charge would be $109(premium for new plan) minus credit from April. As I
was charged end of March for April coverage and I changed my plan id mid April,
I was expecting credit.
But I was charged $135. So I called them and explain
issue to representative. Representative kept me on the hold for few times while
she was researching my account. But she was not able to resolve the issue and
she asked me to call me back. She called me back within an hour as I asked her
to do so and she said system made a mistake and I would get credit when I would
be charged at the end of May. I hope things would work out and I won’t have to
call them again.
It is frustrating that companies keep making these kinds
of mistakes and we have to keep looking at our bills in detail every time we
make some changes to plan. Issues are being resolved after calling them, but is
annoying to do so. I wish companies would not make these kinds of mistakes in
the first place so we don’t need to waste our time and energy.
Here is an interesting fact. I came across these kinds of
scenarios few times, but I never came across scenario when I was charged less
by mistake. Would companies doing these kinds of things on purpose hoping
people won’t notice and they would able to charge more than what they are
suppose to?
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