[pvn]

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I have a hard time believing your story and I have an even harder time believing that someone could be so incompetent as to let most of the things happen that you describe.

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You are a babe in the woods. We've had it easy, this was just just normal, day-to-day type interaction with insurers.

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Cancelling "children's" insurance doesn't even happen.

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Hoo boy, what to do with you. My wife's only response to your comment was "fffft." The plan was New Jersey Family Care. It's a public program for kids only, but not administered by the state. They hire for profit corporations to run it. They make their money by keeping expenses below what the state contracts to pay them. We were very lucky to be able to speak English and know how to work the phones, and eventually beat coverage out of them.

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Wow. I stopped reading here. You're trying to slam free-market healthcare, using a PUBLIC system as your whipping boy? Oh, but it's farmed out to "for profit corporations"!!! Newsflash, that's still not a free market, it's textbook mercantilism.

Try again.