So today Blue Cross / Blue Shield told my girlfriend that her individual insurance plan was canceled because she had signed up for a group plan (also from BC / BS that her company started offering this year).
Problem is that the group plan has no coverage for non-generic medication (i.e. gleevec) while the individual plan at least has some. Originally, the group plan's representative told my girlfriend that she could keep it and she also indicated that she wanted to do in the form signing up for the plan.
I am unsure of what to do.
I have filed an insurance complain / request for help with the insurance regulator of the state. The complain I put in was the following:
"I have had an individual plan from Blue Cross / Blue Shield ongoing for several years: Blue Options PPO Policy# XXXXXXXXX
This year, 2011, my company started offering a group plan: Blue Options Policy# XXXXXXXXX. I specifically asked the representative of the group plan if I could keep both plans and her answer was "yes". The reason for doing this is my individual plan has much better coverage for prescription medication (non-generic medication), whereas the group plan does not cover anything.
When I signed up for the group plan I specified that I wanted to keep my individual plan.
I just found out today that the company has canceled my individual plan due to me signing up for my group plan.
I need this reversed since the group plan will not cover my current medication (no generic available).
Customer service representative say they are unable to do so.
Has anyone gone through something like this? Any advice as to what can be done?