Disability

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Kaiser Won't Provide A Proof Of Insurance Letter That States That I'll Be Covered Under My Parent's Insurance When I Turn 26 Years Old (lemmy.world)

submitted 3 days ago by Pephrix@lemmy.world to c/disability@feddit.uk

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Hi, Kaiser is saying that I’ll be covered under their disability insurance plan but they said it’s against their policy to send a proof of insurance letter.

I don’t feel comfortable without a proof of insurance letter, I’d like to have evidence before I turn 26 years old.

The Release Of Information department at Kaiser said that I should be receiving documentation through the mail about me being covered under the disability insurance plan but I haven’t received anything in the mail.

Kaiser has only provided a verification code that I can’t use, only Kaiser can.

My main worry right now is that Kaiser is going to say that I’m not covered under insurance when I turn 26 years old and I won’t have a proof of insurance letter for evidence. My birthday is soon.

What do I do?

Thanks.

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[–] DeceasedPassenger@lemmy.world 4 points 3 days ago* (last edited 3 days ago) (2 children)

Since I'm an american treading in here, I'll speak from that experience. I searched Kaiser and only found the US-based HMO, so I'll assume that's what you're referring to. My personal experience says that they're balking because they have nothing to give. I'm under the impression that they have no obligation to cover you past the age of 25 and as such will drop you like a bad habit. To my knowledge, disability qualification doesn't change that. I could be wrong but at the very least I think you should press them harder for proof.

Call support and try to get to a person, tell them what you want, and go from there. That's worked for me in similar scenarios and should either get you what you want, or make it demonstrably clear that they won't give what you're requesting.

[–] Pephrix@lemmy.world 2 points 3 days ago* (last edited 3 days ago) (1 children)

Kaiser has been talked to already many times and the response is either a “No.” or wait 2 weeks for an answer.

I’ll arrange another phone call to them maybe but it seems like they’re going to keep refusing me.

Would filing a complaint be an option?

If the complaint doesn’t work, should I get a lawyer?

Thank you.

[–] DeceasedPassenger@lemmy.world 1 points 3 days ago* (last edited 3 days ago)

No problem. Those depend on your locale, if you're in the UK or Canada I'm unfamiliar with their systems and don't want to hazard a guess. If you're in the US though, I would speak with an attorney if you have the privilege of being able to pay for their time. They should tell you if/where to submit a complaint and any further steps from there. If you can't afford an attorney, I would research the relevant federal laws on removal from parents insurance, they may help give you the answer of if Kaiser is legally required to continue covering you. If they're not legally required to, and they won't give any kind of confirmation even when pushed, I would prepare to not be covered and start looking at other options.

Additionally, social workers should be able to help navigate this. If you're in contact with a case manager/caseworker of some kind for your disability, I recommend asking them first if they have any resources or knowledge, before attorneys or anything.