So Kate and I have been trying to deal with insurance for a little while now. The idea is that between employment, we'd like temporary coverage in case something catastrophic happens, but nothing too expensive. Here's the trajectory thus far:
1) We send in our application with credit card information for our first payment. All is well and we are happy!
2) We get insurance cards (that we can presumably show at hospitals to prove we aren't deadbeats). Life is good.
3) We get a letter saying we never paid for our insurance and we should give the insurance company some money. Panic ensues.
4) We call the insurance company and tell them we'd like to fix the problem. They ask us to fax them some information. We fax the information. Problem solved!
5) We call the insurance company to confirm. It takes them 24 hours to find the fax, so no luck yet!
6) We call the insurance company to confirm. Still no fax. Turns out sometimes it takes 48 hours for the faxes to make their way through the system.
7) We call the insurance company to confirm. Turns out July 3 is a holiday! So is July 4. We should try again after the holiday. Life is starting to suck.
8) We call the insurance company to confirm. Yet again, no fax has turned up. Sometimes, it takes a business week to find faxes. On the other hand, it turns out that this particular person can help us out by taking the necessary information over the phone. Things are looking up!
9) Insurance company calls us. The fax is still missing, and it turns out that taking our information over the phone has triggered the realization at the insurance company would like a new application to go with the money - so even if the fax turns up, it's too late to overcome the giant "FUCK YOU" stamp the insurance company has now put on our insurance folder.
10) We send in our application, with credit card information for our first (and hopefully last) payment.
This makes me feel a lot less assured if anything actually does happen. I suspect that our coverage will be for absolutely nothing except impalement by rabid walrus or something equally useless.