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Jun 19, 2008    |       17 comments

June is Keeping Me On My Toes

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After everything that has been going on with our health insurance lately, guess what I got in the mail today? It was my next health insurance bill. That’s not very unusual for this time of the month. The $1,200 showing as due by the first of July was the unusual part. I think my heart skipped a beat.

My eyes scanned that bill as quickly as it could to figure out what the hey was going on. I am supposed to be billed $400/month (roughly). Ah, I found it. I was being charged for three months. Three months! Due by July! Are they wanting me to need the health insurance?

The initial shock wore off quickly and I went straight to the phone. It turns out that their system had a glitch and “randomly sent out three month invoices to some customers.” The customer service rep went on to assure me that the only amount that will be due is a one month payment.

That seals the deal. I will never, ever, give my health insurance company my banking information to automatically withdraw payments. I am also not paying them through my bank’s online bill pay since it didn’t work too well. I am going back to doing things the old fashioned way with writing my own check, paying for a stamp and sending it off in the mail.

As for continuing to use online bill pay for everything else? I’m still on the fence with that. We only send out a few checks a month and I’m thinking of going back to the old fashioned way for all of them. I liked the convenience of online bill pay, but I really miss knowing that my checks cleared the bank. The other option is to get a new bank with a better online bill pay system. I still have to think about it some more.

What an interesting June so far. I guess it’s keeping me on my toes! 🙂

Jun 18, 2008    |       16 comments

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

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April and May were awesome months. June…not so awesome. A series of events has left me very grateful for our emergency fund. I’m not happy to have to pull from it, but it has to be done.

First of all, our health insurance company didn’t receive our bill payment from our bank. It is no where to be found. Our bank was nice when they called me about what to do. We issued a stop payment on that check and the money was refunded into our account. They told me they would issue another check on Friday.

Friday came and went and I didn’t see a check going out. I thought maybe it was just a delay with showing online. I checked Monday…nothing. Then Tuesday…nothing. Today, I sent out a check myself. A little bit later, I see that the bank sent out a payment today. I knew the double payment could happen but my husband needs to go back to the doctors shortly. We need our insurance reinstated.

Secondly, there are the medical bills and prescriptions that we had to pay out of pocket because our insurance has been cancelled due to non-payment. That was a little unexpected, but we had enough around to cover that.

Lastly, a trusted advertiser on here has not paid me and they are not answering my emails. If you notice an advertiser on here disappear shortly – you’ll know why. I understand if my check was lost in the mail – it happens. I don’t understand why my emails have not been replied to. That concerns me.

That brings me to our savings account. Thank goodness it is there. I pulled out $500 to cover the double insurance payment and to help cover any future medical bills until our health insurance is reinstated. I didn’t really want to touch it, but there isn’t much else we can do at this point.

It will be very interesting to see how June plays out.

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