Joy (cithra) wrote,

the latest wrinkle

This is good. This is the kind of thing that makes me think maybe there is a design to the universe, if one posits the designer to be one mean and nasty [explicative deleted].

So because OPM is still apparently using my case file for a door stop or something equally vital rather than getting it processed, I am converting my insurance coverage to a private policy. Thus I maintain continuous coverage, thus I don't have to deal with the crap about preexisting conditions and their nine month waiting period for benefits.[*] Then when my case is done (sometime in late 2012 at this rate) I will convert back to the Federal Group plan.

If you've been following along from the beginning, you may recall that the disability I am retiring because of is chronic depression - a mental health concern. Going over the choices of plans I can convert to with the Premara rep, it is revealed to me that none of their individual policies cover mental health. ETA: this specifically includes medications related to mental health. I wasn't sure if that was part of the exclusion, but I finally tracked down the relevant documents online.

So even though I will have continuous coverage, I won't actually have coverage for my primary medical condition. Isn't it beautiful? Depending on how long this drags on, I could get my own nine-month or longer period without benefits even with continuous coverage.

[*] Here is something that baffles me, as well as making me angry: the pre-existing condition crap. Someone has a chronic condition that needs treatment, but that's exactly what they are going to deny you benefits for during the initial portion of you insurance coverage. How compassionate! How utterly nonsensical, rather. So the person in question can't afford to treat their primary condition for nine months, which almost certainly makes it worse, which means the insurance people are paying out more in the long run.

There I go wanting the world to make sense again. Oh, and no, despite daily harassment on my part (and as far as I know on my McDermott's office contact) there has been no word from OPM. "Tick tick tick says the clock!"

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