Comments on: Double Payment + Cancelled Health Insurance + Missing Income = Thank Goodness for Emergency Fund

By: Amir

Amir — Fri, 20 Jun 2008 22:04:28 +0000

If your coverage still hasnâ€™t been reinstated, please make sure you talk to a supervisor at your insurance companyâ€™s call center. You should be able to appeal their decision. Since you have medical needs, itâ€™s worth trying. If they reinstate your coverage, then you should also have some means of having those old claims reprocessed so that you donâ€™t have to pay out of pocket â€“ or at least you can get reimbursed.

If you find that you canâ€™t get your coverage reinstated, there are some other options for you. Assuming that you donâ€™t have an employer-sponsored health insurance option, you can apply for coverage on your own. Youâ€™ll want to talk to a licensed agent or else visit an online health insurance agency like eHealthInsurance.com (full disclosure â€“ I work there!). At eHealthInsurance.com, for example, you can compare your options and apply for coverage. If you wanted to talk with one of our licensed agents, you can call 1-800-977-8860.

Amir M, licensed agent

By: pj

pj — Fri, 20 Jun 2008 19:32:19 +0000

Regarding the advertiser: Always try to get your money upfront. I can see how you would give credit to huge advertising deals, but your deals probably don’t have figures, let alone 6. (Not saying that small passive income isn’t great too.)

By: jemila95

jemila95 — Fri, 20 Jun 2008 04:41:43 +0000

i looking around the dead advertiser. i’m not seeing a sus[ects thpugh. it almost looks like you have just for bolgher.
===============
jemila95
Well, I think that if you’re in serious debt, you should get in touch with a company which provides expert debt advice on various solutions to become debt free, and which doesn’t take any money for it, like a not for profit organization.

http://www.bloggingawaydebt.com

By: Tricia

Tricia — Thu, 19 Jun 2008 19:49:39 +0000

Lazy – hahaha

No, the ad isn’t gone…yet.

By: Lazy Man and Money

Lazy Man and Money — Thu, 19 Jun 2008 19:18:16 +0000

Now you’ve got me looking around for the dead beat advertiser. I’m not seeing a lot of suspects though. It almost looks like you have just AdSense and BlogHer. I can’t imagine either one being a dead beat.

Than again, maybe the ad is already gone.

By: Eddie

Eddie — Thu, 19 Jun 2008 18:56:51 +0000

Tricia, Thanks for the extra info.

Yes, a “good-funds” model has that one drawback you encountered. If it gets lost in the mail, you have no “immediate” knowledge if it. With this type of bill-pay (some modules do have “it has been cashed alerts”, so not all types of bill-pay programs are bad), for those life-impacting bills, you can only plan and budget-ahead to pay it as soon as the bill gets delivered, which allows you a week or 2 to follow-up to the company to see if its been rec’d and posted to your account.

Alternative: use the good ol’ personal check, envelope and stamp – at least you can see the check hit about a week after mailing (barring it being lost-in-the-mail, which can happen to anyone)

By: Grace

Grace — Thu, 19 Jun 2008 18:56:47 +0000

And that, my dear, is WHY everyone needs an emergency fund, even a baby one of $1000. I haven’t had one for the past two months, and I regret that daily.

By: Tricia

Tricia — Thu, 19 Jun 2008 17:21:21 +0000

Ryan – my bank was actually pretty responsive. They called me and gave me options. I chose to issue a stop payment on the initial check sent out and then they were to issue a new one (in hindsight – bad call on my part – more on that later).

DC Smith – I called them today, and I asked the customer service rep if there is any way I could view payments/bills online? His answer? “No, but that would make my job a lot easier if we did.”

Eddie – My bank debits my account the minute they send the check. They do not provide online access to verify that the check was ever cashed. The only way I can verify is if the vendor complains (or cancels your insurance in my case) or I call them to ask. Bad, bad online bill pay system in my opinion.

It figures that all this happened with the most important bill we need paid at this moment in time. But – there have been some interesting developments. More on that tonight.

By: Eddie

Eddie — Thu, 19 Jun 2008 17:06:45 +0000

(sort of to Ryan): my thought is the bank sent a replacement check “drawn” on her account, so it wouldn’t be seen as a debit the account until it is received and then cashed. Now, it they use a “good-funds” model of billpay, and it took them 3 days to “process it out of her account” after Fridays notification, I’d say they have some ’splainin’ to do (unless there were not enough collected funds at that time)

But my question to Tricia would be on her bill-pay program: is it a good-funds (debit upon initiation) or risk-based (send a check under her account for debit upon cashing) program? That determines how one may best schedule and “initiate” payments to certain “life-impacting” payees.

By: Emmi

Emmi — Thu, 19 Jun 2008 17:02:37 +0000

Our health insurance was on autopay for a while, until that time they took out someone else’s bill, a larger small business bill, for 6 times what we owed. Then there were the follow-on bounced check fees and the emptying the account fee that I had to argue with the benefits company that THEY should pay, since they were the idiots.

Anyway, sounds like maybe you should just go back to paper checks for these guys. Keep control of it, totally.

By: DC Smith

DC Smith — Thu, 19 Jun 2008 15:48:49 +0000

Is there any chance the insurance company can deliver a “payment received” email? On the payments I won’t have auto-withdrawn (because I do not trust the payee to have access to my checking account) I was able, via their websites, to activate email announcements that include payment received and payment overdue messages. So I set the payment to go out early and watch for the received notice. If it’s not there by the due date, it’s time to panic.

By: Ryan

Ryan — Thu, 19 Jun 2008 14:18:25 +0000

So what did the bank have to say about the muck up they caused you?

By: Tricia

Tricia — Thu, 19 Jun 2008 13:43:52 +0000

Connie – every payment that we can have automated is automated except for this one and our phone bill (I’ve had numerous problems with their billing so I won’t automate that one).

I won’t go into specifics, but it is not feasible to have them take the payment automatically. It just won’t work for our family on this one payment.

By: Connie

Connie — Thu, 19 Jun 2008 13:12:45 +0000

Why don’t you have your health insurance premiums on auto pay? You seem reluctant to use this fantastic service which would have saved you $500 this month. I use it for all my recurring bills so that I never pay a late fee. Yes, it entails leaving $$ in my account at all times, but that is a small price to pay. Before I did this, periodically I paid late fees or had to argue with one company or another. Now, no late fees, no arguments, enhanced credit score. Try it, you’ll like it.

By: Andrea Smith

Andrea Smith — Thu, 19 Jun 2008 12:06:36 +0000

There are various debt consolidation programs, which gives you a lot of options. You could either select a paid service or go for the many free services available. Thanks for the article!

By: Matt

Matt — Thu, 19 Jun 2008 11:23:24 +0000

Having an emergency fund can be a real life saver. I’ve managed to pull together a very small one and I’m holding onto it for dear life just in case I really need the money.

I hope everything is alright with your hubby and all of this gets resolved soon.