necturus

While I was dealing with trying to figure out whether I could see my psychiatrist, and what it would cost if so, I got an email from medicare.gov about the Medicare Advantage "open enrollment" period: anyone who enrolled in a Medicare Advantage (part C) plan at the end of the previous year can change to a different Medicare Advantage plan between January 1 and March 31st. I decided that it would be worth it to get into a PPO instead of the HMO I had somehow signed up for, even though it means I'll be starting over on the annual out-of-pocket maximums for prescription drugs and for medical care generally. I put the application in this afternoon, and was told the process might take 10 days, but I also think it's supposed to be effective the first day of the month after I requested the change. My confirmation email from Medicare says the plan will notify me after they verify my information and confirm my enrollment, so I will wait and see.

Fortunately, I can afford to do this, rather than having to find new specialists who are in that stupid HMO's network, or spend large amounts to see my current doctors. (Switching now is expensive because I take one very expensive drug, the Kesimpta.)

I realized over the weekend that I hadn't checked on those insurance/medical specialist referrals, and when I did check, they were all sitting in MyChart, but hadn't been sent to the insurance company. The insurance chat agent was able to tell me that yes, they need to be in their system, and gave me a fax number to give my GP's office. So I called this morning (yesterday having been a holiday) and asked my doctor's office to do that, urgently, because I'm seeing Dr. Awad tomorrow.

When nothing had happened by midday, Adrian suggested I call the insurance company and ask whether it would be OK if they received the referral after the appointment, on the theory that this probably happens a lot. So I called, and they said yes it would, so I'm going to cross my fingers, and didn't call to reschedule that appointment.

I also finally managed to talk to my Fidelity advisor, and set up a three-way call with him and BNY (where the inherited IRA is). That involved a lot of waiting on hold, and the agent saying he needed to check one more thing.... He then told me that it would take more time for them to figure out where that unexpected balance came from, and they had to figure that out before they could transfer the money. No, I don't know why: the balance information is from their system. So someone is supposed to call me back, hopefully soon, and then I hope they will either transfer the money to Fidelity, or be willing to send me a check for the balance and close the account.

It took me a little while to figure out why I was feeling worn out, but at least part of it is that I made multiple phone calls, and everything is still in process, if not in limbo. A bowl of Lizzy's "chocolate orgy" ice cream helped some.

On top of everything else, my gum is bothering me again ("again" because it's a problem for a day or two, then it's fine for a while, and then recurs).