General Discussion
In reply to the discussion: This message was self-deleted by its author [View all]Drunken Irishman
(34,857 posts)It sounds like you didn't do your due diligence. It sucks, but you're a smart guy, I would expect that you would have looked up what the plan covered before plopping down $700 a month on it. If you had any questions, you could have gone to a broker would would've been able to guide you through the process so you didn't enroll in a plan that doesn't work for you.
Moreover, what did you do between the time you enrolled in the plan and the plan started? Because there is a wide window for you to research the plan to make sure it's the right one and then make the needed changes so that you can get a plan that covers your wife's medication.
I know this because plans do not start the second you enroll. If you enrolled between Oct. 1st and Dec. 24th, your plan started on the 1st of the year - that gave you a pretty significant window to shop for the right plan. If you enrolled after Dec. 24th and through to Jan. 15th, your coverage wouldn't have begun until February 1st. That gave you two and a half weeks to make sure everything was covered in your plan before its plan start date. If you enrolled any time between January 16th and February 15th, your coverage began on March 1st - which, again, gives you roughly two weeks at the latest to change your plan. The same goes for February 16th to March 15th (for your plan to start on April 1st).
You should have checked the plan and spoke with your doctor, and your pharmacist, everything was covered. It's not that hard.