Ok, I've had credible insurance since I was born. No lapse ever to my knowledge. I've been with BCBS since college. I moved from OH to MI and switching over to the MI has been an ongoing nightmare. Although there has been no lapse in coverage and although their website says pre exisiting is waived on interpolicy transfers, which this was! my MS is preexisiting. I've done everything they've asked and given them all the information they said they wanted. I've called repeated to follow up and still having issues. I'm going through them to appeal their underwriters and get the preexisting crap waived, as it should have been in the first place. I don't know what I'll do if I loose to appeal. I can't afford to go without my meds and I can't afford my meds and mris and neurology visits without the insurance. I don't understand why this is happening, I asked all the right questions ahead of time and was told preexisiting would be waived as long as there was no lapse in coverage. I'm confused, hurt, scared, and I already have MS related anxiety issues which this is not helping. I just want to play by the book. Pay my premiums and get the coverage I'm paying for. I don't think that should be too much to ask for but it apparently is. I'm sorry if this sounds whiny but I've been fighting with them since July and I'm at my wits end. I need to let someone know and get it out there before I explode. So whoever reads this, thanks for listening. Even if you don't respond I at least got to type out my frustrations. So for that, thanks. I really needed to vent.
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