I cancelled my COBRA insurance mid-January because I had secured (finally) temporary medical insurance. COBRA was expensive. It cost me $475 a month just for myself. The only way I was able to get other insurance was to get temporary coverage. I will go on Joe’s insurance when we get married in June.
After I cancelled my insurance, I expected a speedy refund. I called on January 20 (as I know now) and requested a refund. I was told it would take 3-4 weeks from the cancellation date. To date, I have not received my refund of almost $500. PacifiCare did bill me for a penny, however.
I called today, asking about the refund. I was told that I was owed the money, so she would send an email to the COBRA department and that the refund would take 3-4 weeks. Here’s how the rest of the conversation went:
Me: OK, but this is like the 2nd or 3rd time I’ve called about this, and I have to wait 3-4 more weeks?
Rep: I’m not showing that you called in my system. Do you have a confirmation number for your calls?
Me [Thinking: They have confirmation numbers?]: No, I didn’t think I’d need one. Can I have the confirmation number for this call?
Rep [Gives me the number]: OK, Ma’am, do you have the dates of these calls?
Me: No, she said she’d make a note. Can you tell me when I last called?
Rep [Pause.]: OK, Ma’am, I will go ahead and email the COBRA…
Me: No, I asked you a question. When do you have that I last called?
Rep [Pause.]: Ma’am, I’m showing no calls.
Me: No calls ever?
Rep: That’s correct.
Me: OK, well that’s impossible.
Rep [Pause.]: OK, Ma’am, I can look at some other systems and see if there are any notes.
And magically there was the call!
So, I’ll wait the extra 3-4 weeks. But if I don’t get the check by the end of April, they better Fed Ex it to me, or I will go APE &$*&@!!!!!!!