sparr: (Default)
After departing a job, apparently my COBRA paperwork was never received by the processing company, so my wife and I are now without insurance. I say "now" because our coverage was mysteriously and silently extended an extra month. So when we were getting covered services in that extra month, I interpreted that as COBRA coverage having started. And when I finally figured out that wasn't the case, it was five days too late to re-submit the paperwork.
 
Given that they delayed mailing out the paperwork to me eleven days in the beginning, and the misleading nature of the unannounced coverage extension, I am arguing that they need to extend the window at least as much as their own original delay and allow me to re-submit now.
 
I have also signed up and paid (well, given my payment info for a pending payment) for coverage through Covered CA (who reasonably extended the enrollment window when I explained the situation), but it won't start for two more weeks.
 
The previous/COBRA coverage was through Anthem Blue Cross.
 
The COBRA processing company is Basic Pacific; they are the ones who say they didn't receive the paperwork, and I am currently expending most of my energy in their direction.
 
The new coverage that hasn't started yet is through Blue Shield of California.
 
If anyone has advice on how to proceed from here, I'm all ears.
sparr: (Default)
Six guys sit around a table playing russian roulette, with the gun pointed at the guy next to them.  One of them inevitably ends up shooting another.  Has that guy committed a greater crime than the other 5?  The intent and risk was identical every time.  They all knew the chances that someone would die when they pulled the trigger, they all chose to take that risk.

Two people buy the same car.  Bob just starts driving his.  Joe does thousands of dollars in aesthetic customization first.  They get in identical wrecks, being hit by Sue and Amy (who are completely at fault).  The chance of your car being hit is predictable, just like getting struck by lightning or having a tree fall on it.  If Sue and Amy had stayed home that day, the chance of Bob and Joe's cars being hit would not have changed in any significant way.  Joe took a greater risk than Bob by putting a more expensive car on the road, but our society puts the burden of Joe's risk on Amy, who took the exact same risk as Sue.  Why is that?  Why does Joe not bear any liability for his riskier behavior?

Somewhere out there is Sam.  He has that same car again, and spends even more than Joe making it prettier.  But Sam recognizes that he is taking a greater risk by putting a more expensive car on the road, and he does the responsible thing and gets comprehensive insurance.  Why is Sam not the norm?

In almost every part of life, sensible people can come to a consensus that with greater risk comes greater liability and responsibility.  In this particular situation, and a few other similar ones, that consensus is shattered.  Why?

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Clarence "Sparr" Risher

February 2025

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