More insurance nonsense.

So, I got all this dental work done in early January after my benefits reset, only to find out that the insurance company automatically cancelled my policy as of Dec. 31st, leaving me on the hook for like $6500.

I dug out my letters, including one that said that you didn't have to do anything to renew and your coverage would be carried over with a slightly higher monthly premium, and so I called the dental insurance company with that in hand.

They said that some policies had accidentally been cancelled, and they wrote up an appeal for reinstatement to send over to some department, and then they suggested that I call up the Health Insurance Marketplace in order to confirm that I had renewed coverage through them and also to have them send over my updated address.

It turns out that the HCM said that I was dealing with them separately, and that the dental insurance company should have gotten my updated address as of fall, since I had given them my new address as of Sept. 15th!

So, I called the dental insurance company back.

They said that my policy was via the HCM, and that they couldn't update my address even so I could receive a letter about my appeal, because that address update had to come through the HCM.

Only, HCM couldn't do anything, since my policy wasn't listed as active.

So, my policy got cancelled not by me, and they can't even update my address in order to contact me about it.

Thankfully, I have mail forwarding that's good for a year, but still.

I honestly spent like 1.5 hours on the phone about that, and it's just sheer stupidity.

If you don't have a stable job nowadays, not only do you make much less money, but you sink so much time into all of these provisional policies that you just wouldn't have to if you had stable benefits through a job.

Honestly, the people who get more, have more, and it's harder and harder to paper over that gap.

I'm honestly getting increasingly disgusted by anyone with a salaried job nowadays.  How are they in touch with what's going on with everyone else in society?