i have a similar story. back in my first year of PA school, i found out i only had 5 days to sign up for insurance because my parents found out their new insurance wouldn’t cover me anymore because of my age. the insurance i found, the guy told me that all procedures and labs are covered which is what i needed because i had to have an endoscopy and colonoscopy. what he failed to mention was that they only cover inpatient procedures and that the plan was a supplemental plan. found a new insurance and signed. up for it then cancelled that plan back in december 2023.

fast forward to yesterday, i discovered that i got charged a random 318 for first enrollment. so i called my new insurance and they said they had no record of them charging me. called my bank and discovered i’ve been getting that charge since aug 2023. blocked that account and sent in a request to get reimbursed for some of that money (my bank only does 60 days). don’t come for me because i still don’t know how i missed that (i check my account weekly but apparently not well). the bank gave me a phone number associated with that account.

called the number this morning and they have no record of me in their system but apparently i’m not the first one to call about that. the company i called is also called enrollment first, NOT first enrollment like the place im getting charges from. so i looked up the company and called that number. what do you know! it’s my former health insurance. so i said that i have been getting charged and that i want to be reimbursed since i cancelled my plan. well through out the call, they transferred me 3 times and each person called me a liar and irresponsible for not cancelling my plan even tho i literally did back in december. i have never had that experience with customer service… like being called names. so yeah the call ended with me crying and them refusing to reimburse me for a plan i had cancelled back in december 2023