Tag: CDPHP

Series of everyday annoyances

change of policy

annoyancesI noticed a series of everyday annoyances. Some were small and brief, but still…

ITEM: I wrote this letter to a local newspaper to which I subscribe. I’ll call it Teeyou. 

I have been a subscriber for many years. Our family believes that supporting local media is important for the democratic process. And we like helping our delivery folks, who have been very amiable.

Still, I am quite irritated. The subscription price went up from X to X+$8 [per month]. I know this because my DISCOVER card email noted today, “Your recent recurring charge seems a little outside your normal spending with this merchant.”

I tried calling you folks… to see what other options are available, such as delivery for Sunday only, Sunday and Thursday only, or only online, but I couldn’t navigate that menu.

So I tried to access you on the website. I get to the Link Subscription. “Your print subscription includes unlimited digital access. To get started, set up a digital account below.”

[I explain how its portal sent me into an interminable loop] I go through this process AGAIN and AGAIN. You FIND my subscription, but I can’t get any more detail.

Given that I could cancel the thing for a month and then get my daughter to subscribe for $1 for six months, the processes are rather enraging.

PLEASE let me know what the other subscription options are.

But, but…

Here is the reply:

Thank you for contacting Teeyou. Reviewing the information provided, I noticed you had a rate change on 11/16/2022… Rate increases happen due to production and employee costs at least once a year as is on the back of your bill [I don’t receive a bill] or on the second page of your newspaper. However, for being one of our valued subscribers, the system allowed me to lower the rate to [slightly below the price before the increase]
Please confirm if you agree to the new rate so I can apply the changes to your account.  
Thank you for being a valued subscriber,
Customer Service Management
Note that they NEVER actually answered my question about options.
More
ITEM: As I noted, St. Peter’s Hospital and CDPHP, the insurance company that my wife and daughter have through my retirement, were at loggerheads over reimbursement. My former employer’s people assumed it would be resolved. The problem was that I had to decide by November 30, one way or another. I decided to change to another policy on that last day. And on December 3, the entities resolved their differences.
ITEM: Our mail was not delivered at least four times since Halloween. Thrice it was doubled up, with so much mail cascading from the mailbox that it looked like waterfalls.  The fourth time, our postal delivery person was delivering on Sunday. BTW, I recognize that our regular guy is fastidiously trying to get letters and packages delivered.
ITEM: The urgent care company I wanted my daughter to visit last month encourages going to their website. But I couldn’t use it after they closed for the day; one can’t even make an appointment for a future date. BTW, they also say one can just show up, but experience tells me that would be a three-hour wait.
ITEM: New York State law requires vehicles using their windshield wipers must have their lights on. But this black car heading towards us didn’t, and it wasn’t easy to see. As it turned out, it was an Albany police car. I hate when that happens.

 

Insurance stress: CDPHP, St. Peter’s

health insurance

CDPHPI am experiencing some insurance stress based on two pieces of mail my wife and daughter received the same day last week. If you want to write a blues song after reading this, feel free.

The letter was from St. Peter’s Health Partners. It runs most of the city’s hospitals, clinics, and doctors’ offices that aren’t part of the Albany Medical Center. All of our primary care physicians are part of SPHP.

“Our records show that at the time of your last visit…, you… receive your health through a CDPHP commercial health plan.” CDPHP is the Capital District Community Health Plan. “Please be aware that [SPHP] has engaged in negotiations with CDPHP for a more equitable agreement to ensure we can continue to deliver high-quality, community-based care.”

Didn’t we do this dance a few years ago, which got resolved at the 11th hour?

In bold: “Our current agreement is set to expire effective January 1, 2023; meaning some patients may have increased financial responsibility when seeking care from [SPHP] in 2023 because CDPHP no longer includes the following facilities in its network.” Over a dozen facilities, including St. Peter’s Hospital, Samaritan Hospital, and five Eddy facilities, are on the list. Interestingly, no related mail from CDPHP has arrived.

On the coverage

Meanwhile, my wife and my daughter also received a Benefits Bulletin from my former employer, the Research Foundation for The State University of New York, or SUNY RF. “If you are a retiree or an eligible dependent of a retiree and you are not eligible for Medicare, your current RF benefits will continue for 2023 unless you make changes during open enrollment.” That window is November 1-30.

Just in case we need to make a change, I went to the SUNY RF portal to see if I could find the forms to change their coverage, but none of them seemed appropriate. Some were for the retiree (me), while some were for the retiree and dependents. I am on a different plan for administrative reasons.

So I called the SUNY RF number on Monday and then a different one on Wednesday. I was offered the same form to make changes, even though it didn’t make sense to me. If I change my wife and daughter to a Blue Cross program, I hope SUNY RF does not muck it up.

CVS

Meanwhile, a good friend of mine writes on Facebook: “We’ve…just been notified by [CDPHP] that CVS will no longer take our prescription insurance effective 1/1/2023… This is very upsetting because CVS is very convenient to where we live, has a drive-through, and the closest to our house is one of the only 24-hour pharmacies in the Capital District.” We got no such letter from CDPHP.

I called my local CVS pharmacist. They said that CVS has declined to take the CDPHP price schedule, so it may very well cost more to fill prescriptions there, but they won’t really know until they start filling them next year.

This issue will be a primary concern of mine this month because I can’t wait until the CDPHP/SPHP issue gets resolved in December if, in fact, it does.

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