Complaint Review: Molina Health Plan

If Adolf Hitler had started a health insurance company, it would be Molina Healthcare.

In Feb 2017, I recieved a letter of termination effective Feb 1, 2017 due to non payment. I knew this could not be right as I had paid at the end of December 2016 for January and at the end of January for Februrary. However, when I had called and spoken to a customer service representative, they did confirm that I was terminated for non payment. Thus began a year long ordeal to rectify my grievance all the while subjecting my wife to excrutiating pain because we could not afford to go to a doctor without healthcare coverage. 

It took me about 3 months of going back and forth between Molina and the Healthcare marketplace just to request a hearing before a federal judge. It did not take the judge very long to agree with me on my wrongful termination. In fact, I doubt it would take anybody with half a brain to see that if someone made a payment for something to a company and then said company that took the payment said they did not recieve a payment and they're cancelling their service is a redflag for especially after being shown a papertrail that coincides with every single point that I made. This gives you an ideal of the calibur of company you will be entrusting your health and your family's health to should you consider them for healthcare coverage. 

So, I recieve the judgement from a federal judge ruling in my favor allowing me a special open enrollment period to get coverage. This is around June 2017. The judge said that I should be recieving a refund from Molina for the month of Feb. Fast forward to August, still no refund or contact from Molina. I call, they give me the usual jazz from their script and explained that they will need to escalate this to their escalation department which I'm not allowed to talk to because they don't have phones (and are only accessible through telepathy, and until I was able to bend at least 3 spoons with my mind, I was not able to reach them.) They said I would get a call in 2-3 weeks. 

4-6 weeks later, no call, no letter, no telepathic messages. I call them back. There's a note on my file. It reads they called once and left a voicemail. Checked my phone. No missed calls or messages from Molina. Weird, eh? So they sincerely apologized to me and said that they investigated their records and determined my coverage ended Feb 30th of 2017, not Feb 1st 2017. Silly me! To think that a letter stating I was terminated on the first as well as talking to a living customer service rep that told me that I was terminated after spending 30 minutes on the phone with me and repeating it several times that I was terminated. It only took them 6 months to find this out. I explained my situation to the rep who said that she agreed with me about it not making sense and would escalate this escalation to the escalated escalation department. Serious business. I should hear back within 7 days. 10 days later, I call back. Apparently nothing was done. I ask for another escalation. Done. I should hear back wihin 7 days. 14 days later, nothing. I call back. No notes left on file from previous call. Now Im angry. I expressed my anger with the supervisor I managed to get on the line. This was Late Novemeber-ish. They give me another half assed apology and say theyre really gonna do it this time. I call back today, December 12 (after being put on hold and hung up on 8 times before even speaking to anyone). Guess what. Nothing. Notta. Zilch. It's starting to feel like Im in a Monty Python bit. It's as if they train people to just not follow up with issues. Crazy, right!?!? So this time, this imbecile startes telling me the same bull they told me when I called the first time, about being covered through until the end of Feb DESPITE my termination letter saying otherwise. She adds that I would need some sort of appeal number/reference ID number from the hearing I had in July 2017 in order for them to change their coverage date in THEIR OWN SYSTEM. The thing is, they dont have said numbers available. 

At this point, I should mention it's not worth seeking legal councel as my refund is only for $430. If I really had the time and patience, I would probably go through with it but I don't. Be warned, this is a company that had a major security breach at the beginning of the year. They can barely keep their stuff together, and after reflecting on my ordeal, I believe they are extremely negligent with their abilities to solve complex problems when they arise. You really want to gamble healthcare coverage with having this company try and handle you and your family's needs? This company did virtually nothing to make it right. All over $430 that they owe me. I hope when they read this, they realize it may be the most expensive $430 they ever made. Had they worked as hard to address my problem than they did to prevent it's resolution, they might have had me back on board during open enrollment. But, I learned my lesson. Molina is just a bad healthcare company. Plain and simple.