Let me set the stage.
December/January....Super sick. Ask co-workers and look at contract for insurance information, Accidental death and injury, coverage only after 100,000w. No good, doesn't work for me. Doctor visits and prescriptions 2months later ~500,000w out of pocket lost.
February...tear ACL, doctor visits still not 100,000w, MRI 900,000 ok! can definitely use insurance now....ooooohhhhh, School now looks into insurance coverage. "Teacher, you have a 15,000w copay then covered up to 200,000w. ME "You told me 100,000 copay, and covered beyond" Yugin: "Ya, that's what I thought but it has changed." ME: pissed. Frustrated. Out 500,000w. Now, out another 900,000w.
April... Surgery (no, not for my knee). Everything goes fine- insurance wise, mentally....now damaged.
June- two weeks ago: Contract up, sign new one. Director: "Everything on the contract is the same but we are changing insurance to LIG because you get better coverage with them." Me: "Ok. great, thank you."
One week ago: ME: "Adeline, will you ask Jeanne (our HR who speaks very little english) about my insurance and the changes, what my coverage will be, and what needs to happen when the insurance chages, do we send in papers to the old insurance up until covered and then switch to the new...what?" Adeline: "I think...."
ME: "No, I thinks.....I need to know, I need you to know. No, I thinks. Will you ask Jeanne so you can know for sure." Adeline: "ok."
Yesterday: No answer from Adeline. I ask, Yugin. "Yugin, Do you know about the coverage for the new insurance and what I ned to do, or what needs to be done for the switch? "Yugin: "You have coverage up until the switch and then after that, the new insurance will not cover you becuase it will be a pre-existing injury." ME: Pissed. Fuming....Speechless. WTF. Many more words were said but you get the point.... I walk away from Yugin mid-sentence and leave.
Today: Come to work. "Adeline, Can you ask Mrs. Moon (the director) if I can talk with her during my kids gym time?"
Walk into meet with Mrs. Moon and both Yugin and Jeannie (HR) are there. I sit down and lay everything that I can spew out on the table. Mrs. Moon: Why do you think your insurance changed?" Me: "Because when I met with you, to sign my new contract you specifically pointed it out and told me it was for my benefit." Mrs Moon silent... "Did you talk to Yugin?" "Yes, yesterday, that's why I'm here." Moon: "not this morning?" me: "No." Jesters to Yugin to speak. "Uh, yes....I contacted your representative who is working your claim and they said that we can stay and extend your contract with them until you are finished with the doctor. What I told you yesterday, I was not right. We talk to middle men and they told us the wrong information, and the insurance companies are very confusing and I guess I was confused and I contacted the lady working your case and she said we can extend your contract with them because you already have a claim." ME: "that's good." Yugin: "You are a special case, I guess, and you will not change insurance but stay with the current." ME: "good. Thank you." Mrs. Moon: "You can trust us, we are not out to do better for the school." Me: "I came in trusting the school because I didn't know any different but I feel I'm lied to. I don't read or speak Korean so I have to rely on this school to provide me with accurate documents. Everything that I am given has something wrong with it, it not up to or it's out date. I am given wrong information all the time. People tell me things by what they think, and not what is known. A simple "I don't know, I'll look into it," would do. I am unbelievably stressed out by this school. I don't have to just deal with the insurance that's not in my own language or my country, but I have to tell you guys how to deal with it, You complain that the middle man gave you wrong information? I not only have to deal with the middle man, but my information travels through 3 different ESL people at this school. Do you know how many things are lost and/or changed in translation?"
A lot more words were said but you get the point, then Mrs. Moon proceeds to tell me that if I have future inquiries I need to ask Adeline and Yugin.
Seriously. I wish I had a curly cam to document my days at work.
Count down begins...160 days left.
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