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Jake P

med insurance

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Ok here goes. About a month and a half ago i go and apply for a job not thinking i will get it and not caring if i did which was mistake number 1. So im filling out paper work and things and i was handed a piece of paper with medical, dental and vision insurance. Not thinking i would get the job or even caring i checked them all, mistake number 2. So i find out i got the job well i decided to go with it and my mom mentioned im still covered for a little while longer on her medical insurance since im barely 18 and  told me that dental and vision would be money from my check as well so i decide to go and cancel them all. I go back up there the SAME DAY about an hour later and find a lady and ask her how i would go about canceling them all and she tells me that all i have to do is fill out this piece of paper and thats it. So i fill out the paper and assume its canceled because she told me that was all that had to be done. I start the job and the first 2 paychecks are normal. The third week i got a bad case of the flu and missed 3 days so i knew my check the following week would be short. I got my check and it wasnt as much as the usual which i expected so i didnt even look at the stub and cashed it. The next week (last  friday) i got another check and noticed that medical insurance had been taken out and it was 29$. So i talked to a woman at my work and she told me that it takes a few weeks for it to get through the system and said that they will stop taking it out soon. So i said ok and went on about my business. Then this past week (yesterday) i got my check and noticed med insurance had again been taken out so i asked the lady again and she told me to call a number and gave it to me. So i call the number and get a hold of a woman and she tells me that they do not deal with insurance and that i would have to call the actual insurance company and gave me another number to call. So i call the number and finally get a hold of someone who will talk with me. The lady told me that filling out a piece of paper does not cancel insurance and that i had to call and cancel it through them. So i asked her then why would they give me the option of canceling it by filling out this paper and not tell me that i had to call? She told me she had no clue. She then directed me to the automated line and told me to follow the prompts and cancel it there but if it has been more than 30 days i cannot cancel it until next year. It has been 2 months and 2 weeks so i figured it wouldnt work but i thought i would try it anyways. So i go through the prompts and it tells me that i have successfully declined all benefits.How do i know that it did since they told me i only had 30 days and it has been 2 and a half months? Oh yea and when i told the lady about it and asked if i was going to be reimbursed for the money that was taken out of my checks since it wasnt my fault she told me "probably not". So im not sure if its canceled but im going up there tomorrow to sit down and talk with a supervisor and see if its canceled or not and see if they can help me out since i was misinformed and im also going to see if i can get the money back they have taken out. I feel a little overwhelmed and angry and im very anxious for monday to get here so i can figure this all out. I can understand it not being canceled if it was my fault but i was misinformed so i think they should change it. Just needed to vent a little......Hopefully i can get it straightened out on Monday.

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Many companies have an "election period" for health benefits.   You can only sign up for it, or cancel it, during the election period window.  

Of course, you can sign up for it outside the election period when you start a jod, or cancel it when you quit.   But if you stay at the job, many companies will only let you cancel it during the "election period" window.

This prevents people from trying to save money by signing up for health benefits only when they think they are going to use it.   You may be stuck with it for awhile.  

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Yes but my main issue is i canceled it the SAME DAY 1 HOUR LATER. Yet they told me i never canceled it. I did what i was told to cancel it yet im still being charged for it. The papers i filled out weren't even sent off yet to wherever they send them too. It was 1 hour later, the first benefits paper should never of been sent in. And now because of miscommunication and stupid employees im stuck with medical insurance that i dont need or want for a full year?

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Unfortunately you might just have to suck up that deduction off of your paycheck.  We'll see.  Sure it stinks and you may have been misinformed but thats life.  

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. And now because of miscommunication and stupid employees im stuck with medical insurance that i dont need or want for a full year?

You also wrote:

About a month and a half ago i go and apply for a job not thinking i will get it and not caring if i did

and

Not thinking i would get the job or even caring i checked them all

It's a good idea to care about things like this and pay attention to what you are doing. The real world will bite you on your a$$ if you don't.

To answer your question, you very well may be stuck with it.

And one more thing, if you end up caring whether you keep this job or not, you may want to drop the issue real soon.   Employers generally  don't have a lot of patience with new young employees that think they are stupid, and "don't care" to fill out their paperwork right.  

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I say keep the insurance and dont sweat it, here is why. You stated, "my mom mentioned im still covered for a little while longer on her medical insurance since im barely 18".

From that statement, it shows that you can have your mom's insurance cancled at any moment. In most states (I think) that when you turn 18 and are not going to high school/college, you cant be covered under your parents insurance. If this is the case, then you will still be covered under your own insurance.

If you cancled your insurance now, and then your mom's coverage runs out, then you CAN NOT sign up for your jobs insurance again untill their "registration" period. The only times you can generally sign up for insruance is if A) you start a new job B) Registration/enrollment period or C) life changing event (marriage, baby, etc)

So be safe and stick with the insurance you have. because once you get rid of it, you wont get it back untill next year. And if your mom does file a claim for you under her insurance, it has the possiblity of being denied since you are over age. Depends on the specifics of her plan.

in otherwords dont let a few bucks leave you uncovered.

Vic

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parag.jpg

;D What a freakin ball buster.

I literally cannot read more than 2-3 sentences of the OP.

Honestly, I thought the same thing and I usually skip posts that are once huge paragraph, but then I read the part about being 18 and I gave it another shot lol  I was young once ;)

Vic

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Being 18 doesn't make it ok to use bad grammar or no punctuation. If anything i should be more aware then alot of you seeing as how i just graduated recently. I didn't mean for the post to be that long but i kept going on and on and then just posted it. I'm sorry if its not up to your standards fellas i will make sure this never happens again so you don't have to go through the pain of reading .Please give me another chance.

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