- 18,988
So, they can just invoke plan F, which I've never heard of and I and the client has NO recourse?
If the info is wrong then it can be corrected. I've only been involved in two of these in career. One was the one I mentioned with RNA. They informed well in advance that there was a problem brewing and it was headed off and resolved and never became an issue.
The other was done without my knowledge and I only found out when the client contacted me because they got a letter telling them that their policy was being cancelled and a refund was coming.
I knew it was improper and called the company and they would not talk to me citing HIPAA. I told the lady to not cash the check while I worked on it.
I fought it on her behalf. Dozens of letters to and from that companies legal dept. We "won". It took 6 weeks but the company said I was correct and that the case should not have been handled in that manner and if the lady would send back the check they would put the policy back in force and repay me the chargeback and they would resume drafting.
One little problem. The lady cashed the check, {about $1500}, and spent the money. She didn't have it to give back.
So that win was a hollow victory.
I placed her elsewhere and moved on. The other cases I've know about went kinda the same way. The people weren't interested in a fight. Or they were mad at everyone including the agent and wouldn't return calls and such.
Seems to never end well when the company takes action and just lets the agent find out after the fact.