The monthly premium for my health insurance went up $120. The coverage isn't all that great but it was relatively inexpensive, and now that that is no longer the case I applied for a policy with BCBS. I was accepted, and need to provide them with a Certificate of Coverage when my current policy is cancelled. The new policy starts this week and when I called about the certificate I asked if I would be a getting a pro-rated refund since I won't be covered under their policy for the whole month. I fully expected them to say "Yes" but was told "No."

WTF?

Has this happened to anyone else? When I call to officially cancel the coverage I'm going to bring it up again and see who I can talk or write to to challenge this. I recently switched auto insurance carriers and received a pro-rated refund from them for the portion of the policy from the cancellation date through the end of the policy.

I knew I should have put something about Mac, Goff, or Beardown in the thread title...

FWIW, I talked to the VP of customer service today. If I wanted to be charged on a pro-rated basis for March I would have had to have called 10 days before 3/1 and they would have only charged me for the days in March that I was actually covered by their policy. I asked if that was in any of the material I received when I enrolled. He said he was fairly certain it was and would get back to me to direct me to that portion of their Terms of Service/User Agreement/Whatever.

Still seems like BS to me that I'm paying them for a service they are not providing but if that's they way it is in health insurance I guess I'm out the dough.

Hey, you used to work in the field, so you should know how screwed up it is!

You can always try complaining via the consumerist model where you carpet bomb their email system trying to reach all the VPs and such -- that is, if the traditional methods don't work.

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"All crowds boycotting football games shouldn't care who sings or takes a knee because they aren't watching." - Nas