Land of Lincoln Health insurance and why you should never buy a plan from them....

7 months of fighting to get a claim corrected.   I am getting billed 75 instead of 20 and now the doctors office is charging me interest even though my insurance has called them several times stating that they owe the difference not me.  It's been reprocessed several times and it is still not correct.  Each reprocess takes them over 30 days. 

8 months of fighting to have the only fast acting insulin I can take approved at the preferred copay level because I am allergic to Novolog.   Then they finally denied my claim after calling them for 8 months.  So now I pay 75/month for insulin instead of the lowest tier of 30.00

Every single time I call to inquire on a claim or my benefits I am on hold for over 15 minutes.  That's right 15 minutes.  Insanity.  THEN typically whoever I get on the phone cannot answer my question so they put me on hold again for at least 10-20 minutes to investigate my question.  This is freaking ridiculous! I am currently on hold with them now, which inspired me to write this wonderful statement about Land of Lincoln Health insurance.  Going on 20 minutes on hold now.  WHAT in the world!?

30-60 days to process every single claim, which I guess it typical but when you are coming from Blue Cross Blue Shield and a claim is processed in 7-14 days you get spoiled I suppose.

22 minutes on hold now.  I am losing my sanity here and the on hold music should be a form of torture.

45 minutes, hung up called back and now on hold again for 20 minutes.  This is really really out of control.  Let me leave a message or something.....AHHHHH.

Update: So after being on hold for over an hour I called my insurance broker to get an answer for me.  Then in the mean time I messaged them via their Facebook page and BAM I got an answer and a message that someone would be calling me.  An hour or so later I got a call from one of their agents that has helped me in the past and she said she would be getting my daughters claim from JANUARY reprocessed today.  So I wont hold my breathe but I do hope she gets it fixed. 

Land of Lincoln Health insurance denied my claim

So my claim to have my insulin covered at the preferred copay was denied yesterday.  Five long months of calling, getting told incorrect information, getting one denial without them even so much as calling my Endo, and now finally just a flat out denial.  Nope sorry they wont cover the only fast acting insulin on their drug list that I am not allergic to so I have to pay the highest tier copay for my insulin. Insulin that I have to take every day to survive.  I can't just skip it.

Thank you Land of Lincoln Health insurance.

I am now going to appeal to the Illinois State Health board or whatever it is officially called.  My insurance broker told me they have to act within 30 days so that will be nice vs the FIVE months it has taken me to get this far.  Jeesh.

Wow just wow, Land of Lincoln Health boggles my mind yet again

The saga continues!

Land of  Lincoln Health has NOW lost all claims for my daughter for the year, they cannot see them on their side, I cannot see them online and they have no idea of the status of my claim as to billing me incorrectly.

A claim from January they are billing me for a $50 copay and it should be $20.00  and a claim from February they are billing me for a $75 copay that should also be $20.00 They told me a month ago they were going to have the copays adjusted and now they cannot even see the claims.  Awesome. 

So hopefully this medical facility will sit and wait patiently to get paid their money because I know if I pay the amount due and don't keep fighting for this to be fixed I will never see that money back in my pocket again. 

I am also still fighting to get my insulin covered at the preferred tier copay.  They are still dragging their feet, wont return my phones and can't seem to come to any sort of decision.  I think they are trying to drag it out until the end of the year when it just wont matter.  I also read online they have lost millions of dollars this year.....so you be the judge.

Battle for Humalog

Holy moses I am getting tired of battling my health insurance.  I finally got a hold of Gina on the phone this morning after leaving her messages every day last week and not getting a single return phone call.  She told me that they gave my Endo's nurse a fax number FINALLY AFTER FIVE MONTHS to send the stupid doctors notes to. 

This is just totally ludicrous.  Five months.  Really?  I am so glad I am paying $100.00 per week to have my family insured with this worthless company. 

How much do you all want to bet me that they will review the notes and STILL deny my claim?  So be it if they do, but I will let everyone I know and talk to how terrible that Land of Lincoln Health insurance company is.

Holy cow I am still fighting my health insurance

Five months, thats how long I have been fighting my health insurance to cover my Humalog insulin at the preferred copay tier because I am allergic to the preferred. 

Called my case manager again, left her a third message, she finally just called me back.  She said she thought someone else was going to be in contact with me.  Yeah not so much.  So I am told she will find out where the claim is and see who I need to bark at next. 

Five months.  WOW do they sure seem to hope that I will just give up don't they?  Well I am not giving up and I never will but pretty soon it will be December and it won't matter because I am fairly certain we will be switching companies again.

What a freaking joke.   Land of Lincoln Health Insurance---DO NOT EVER BUY A PLAN FROM THEM!

Continued battle for Humalog.....I swear this isn't going to ever end

I got a phone call today from Land of Lincoln Health customer service supervisor Gina and I was very impressed with what she had to say to me.  She received my official complaint I filed last Friday with the other supervisor, who twice promised to call me back and didn't follow through, but did call me back Friday at the end of the day.

She stated she had read all the times I have called, all the times my case has been dropped, all the b.s. they have put me through and hopefully will get somewhere with this claim other than a flat out, no we arent going to help you and you cant appeal because we arent giving you an official denial.  THAT is what I was told last Friday.  Awesome right?

Let the war begin......

I have officially declared war again Land Of Lincoln Health in Illinois.

Again, today, I called Land of Lincoln Health and again I was transferred three times, two to the wrong department all together.  Finally got the supervisor on the phone who has twice promised to call me back and neither time called be back.  She apologized for the inconvenience, which I clearly stated to her that fighting for the insulin I need is more than just a simple inconvenience.

My continued battle for Humalog

So I am still fighting to get Humalog covered at the preferred copay level from Land of Lincoln Health Insurance and yesterday I finally got a supervisor on the phone.   I explained the whole long drawn out issue and she of course had not even heard about it yet even though there were several URGENT messages for one of the supervisors to call my Endo's Nurse.  She apologized for the month long delay and said she would get right on it yesterday and call me by 5pm yesterday.

Guess what?  No phone call, no missed call, no voicemail.  They have my number, my Endo's nurses' number and instructions to leave a fax number on the nurses' voice mail.  I swear if this takes me another month to get done my head just might pop off.

THIS is why so many people give up, they lose the determination I have to fight and get what I need. I am a stubborn, bullheaded and determined person and no one should ever give up when fighting their insurance.  It can get very over whelming and even depressing at times but if you are PAYING to have the health coverage from a company, you should be able to get the things you need covered if they are medically necessary, your doctor agrees and is willing to submit the paperwork you need.

Every single year I have to fight for my test strips and now fight for the only fast acting insulin I can use in my tslim insulin pump. Every single year since 2000 I have had to fight for what I need to survive.  I am so sick of fighting insurance companies and I have a long road ahead of me that I will have to fight the whole stinking way. 

Land of Lincoln Health Insurance and their inability to assist me

Dear Land Of Lincoln Health ( https://www.landoflincolnhealth.org/ )

     Why are you making things so difficult?  My endo and I have been trying for a month to get a co-pay tier over ride accomplished because I am allergic to your preferred insulin Novolog. Your pharmacy services company, Catamaran, told me that you would have no other choice but to cover my insulin at the preferred copay rate because of this allergy I developed while trying to conform to your demands in regards to my fast acting insulin choice.

     For a month I have made phone calls, waited on hold for 30 minutes or more, gotten the wrong information over 6 times, been transferred, been told to call a different number, been told to have my Endo's team call two different numbers, my Endo's RN has left numerous messages to have a supervisor call and yet you can SEE that they are suppose to call back in my patient account and YET NO ACTION has been taken?  Why?  WHY are you getting paid to serve the people who pay for their health insurance and yet no action has been taken at all?  WHY can no one call my Endo's office back, YOU HAVE the phone number in my file, you can SEE that you are suppose to call her back and still NOTHING, NADA, ZERO, ZILTCH!

    COME ON Land of Lincoln Health Insurance Company do your JOB!  I pay $100.00 per week which is 100% from my income, no government subsidies here, to have this crappy coverage for my family!  How about you pick up the phone and get this situation cleared up?

Sincerely,

Your paying customer