HMO’s suck
Monday, July 14th, 2008I have a HMO Dakota Care through my employer. I was scheduled for a stress test on a Monday and the Doctor decided to do an angiogram instead and an hour later I was in surgery for an emergency quadruple by pass. That Friday my employer called Dakota Care and cancelled my Insurance and back dated the cancellation back to 3 days before I even due to have the stress test!! The reasoning was that I did not work on those 3 days prior to my appointment (they were my days off) and so I had not worked physically in the current month. I had an insurance premium taken out of my check that was dated in the current month but that they proceeded to tell me that the employer makes the insurance premiums for the previous month. I then received a letter from Dakota Care stating that my policy had been cancelled due to “termination” but was welcome to apply for COBRA!!
Why have I been paying these premiums through payroll deduction for the last 9 years if when I need the insurance it is cancelled is this legal?