Retroactive Hell ??

This morning I was greeted by learning from our health insurance that BOOM ...

 

“…there was a retroactive cancellation date of 1/1/2001 placed on Patti's coverage on 7/27/04 by her group and that all of her claims will be denied and they will be requesting refunds for what they have already paid …”

 

Refunds of 3 years and 9 months of back medical bills??? Catastrophic would be an understatement.

 

MS has affected Patti’s ability to comprehend or handle financial matters for quite awhile. Necessity dumps that all into caregiving.

 

Hours on the phone back tracking this decision have only produced more questions and will require hours if not another day or more of anxiety to get answers. (With the weekend looming, offices ,of course not under any personal anxiety, might take longer.) Of course, no one can figure out how or why. We have never been notified of any problems, concerns, or changes. Just suddenly BOOM!  -- Needless to say in the meantime NO medical insurance.

 

Time on the phone, even more time waiting on the phone, hours of digging through medical records back nearly 4 years, quickly becomes a day. Caregiving is about AVAILABLE TIME whether you have it or not.   

 

Even retroactive nightmares can erupt out of nowhere on a beautiful Fall morning. You try to remain as positive as you can, but it can get suffocating. This IS "living with MS".