Whither Freelancers Union

In Kafka's The Trial, "K." is arrested for a crime, except he is not told what the crime is.

Recently I received a letter from my health insurance company, Freelancers Union. It accused me of something, but it would not tell me exactly what I was accused of. I needed to mail in some paperwork for my ambiguous charges to be further investigated.

It was very time sensitive, and it definitely was a bunch of sad looking papers that really could have been made available online to instantly fill out, instead of laboriously mailed in. But so it is - sad papers, away to the post office!

I was suspected of having a pre existing condition, but they couldn't tell me what condition I was suspected of. As a result all of my health insurance benefits relating to this unnamed condition were immediately revoked until further notice.

That's right, all benefits revoked related to the condition that they won't tell me about. That they're not even sure I have yet. They took away it all for now anyway.

But if they do decide I have one, that means I will be cut off from those related service for one year.  It sounds like I just pay them for a year to not do anything, until finally I am deemed worthy of their services. Much like God deigning to open the pearly gates and cleanse our dirty pre existing conditions.

(aka a year of $465/month premiums that won't do shit)

I'm still reeling from this.

The waiting period makes even less sense, considering I've previously been enrolled in Freelancers Insurance for almost two years (2011 January to 2012 November). I've never had a problem from them.

I understand that bipolar disorder is considered one of the deadly pre existing conditions (dun dun dun), but now? They choose now, after taking my money for years, and two months before the ACA (Affordable Care Act) starts. Really?

You might - say 'Great! No more pre existing conditions in 2014?' right.

Sort of.

I read up on healthcare.gov and found Freelancers can continue screwing me in 2014:

"The only exception [to covering pre existing conditons] is for grandfathered individual health insurance plans -- the kind you buy yourself, not through an employer. They do not have to cover pre-existing conditions.

That's right. Freelancers Union, who have marketed themselves for years as fighting for the freelancing underdog, will proudly be one of the few remaining health insurance companies in the country to still not cover pre existing conditions.

So they will most likely make me wait a year to receive services - someone who has previously used their services for the same damn thing for about two years.

I want to call them up and ask "Do you realize nearly every insurance plan will cover pre existing conditions in January, and that you're going to lose customers over this? "