Based on what you’ve stated here. This is what i tried to relay above. There are regulations and plan requirements as to why there time frames in place to an enrollment window (whether due to life events or annual enrollment). If the above statements from folks are true wherein a single mistake left them without insurance it is a bad process and service that lead to it.
I’ve been doing this for 16 years. Online and automated processes helps tremendously vs manual forms and documentation. I’ve never seen a case of one mistake meant zero coverage as we as a record keeper have always had processes to ensure we correct those issues.
Point is. It isn’t bunk. It isn’t made up just to screw someone over. It’s unfortunate that the bad experiences mentioned above are due to poor quality and lack of care in the workplace at those companies as far as I can tell.
