Healthy Kids Insurance

I live in a state that offers healthy kids insurance, and I have to say that I have mixed feelings about my experiences with them. My husband and I have insurance through his employer, but because we have not adopted my niece yet, we are not allowed to have her on our insurance policy. Until the adoption is done, we have to rely on our state’s insurance program. It does cover many of the things that she needs, and for that I am grateful, but the process leaves much to be desired.

I guess when you are getting help for something that is going to save you money like healthy kids insurance, you really have no right to complain. My complaints are not about the service or the coverage, I was very happy with that, it was more about keeping the policy in place. The paperwork is pretty standard, but is very confusing. They have people who can help you when you have questions, but they are hard to reach when you need them.

Once you submit the application for healthy kids insurance, you have to wait for the paperwork to come though. The first time I applied I waited and waited, but nothing ever came in the mail. After a month had gone by, I called to ask them what was going on. They said her policy for healthy kids insurance had been approved, but had then been cancelled because the cards were returned to them by the post office. I don’t know what happened, because I asked them what address they had used, and it was indeed correct. I was upset that they did not make another attempt to contact me even though I know they had my phone number. They could have easily followed up to see why the cards may have been returned. Instead, they just cancelled her.

I went through the application process for healthy kids insurance all over again, and this time the cards came in the mail. We used it for a while, and it was very good. Again, I have no complaints about the coverage, and I am grateful that it was there when I could not have her on my own policy. This time they lost my payment, and again cancelled her insurance without notice. The money order was cashed, but they say they have no record of payment. It is enough to make you pull out your hair. Now begins the long process of getting it straightened out. It shouldn’t be this hard.