When my son was born I immediately got him added to my insurance plan. Somehow his name had a typo (not on my end, I had to send in a PDF file and triple checked it, still have the email that I sent in). I called the insurance company to let them know and they basically said oops we’ll fix it, so they readded him as a dependent and we got a new card for him when he was about 3 months old ( it took them like 2 months to fix it)

The issue here is that he now had a different member ID number, and Jerry Smith wasn’t covered by insurance up until those 3 month, only Jerrry Smithe was, and my son isn’t Jerrry Smithe, so everything that got submitted to insurance up until we got his new card wasn’t covered by insurance, doesn’t go towards our deductible or out of pocket maximum and is fully on us to pay. His 1 month vaccines alone were fucking $17k, how, why, maybe the antivaxxers are onto something? Those microchips must be expensive.

I’m fighting it, but Jesus Christ the run around is a god damn marathon. We’re almost $50k in the hole here and the customer support just keeps saying “Jerry Smith wasn’t covered under your plan at that time”.