Then if because I'm a spouse and am trying to access information about the benefits, it's always "We have to talk to the policy holder." Granted that's not ALWAYS the case, but with this new web access they have everywhere one has to have the many usernames and passwords (which I haven't written down the many times Brando's told me because I'll remember it, I always think). When I DO have the username and password and call tech help because their website isn't working they can't help me out because (say it with me) I'm not the policyholder.
Somehow any office I visit has free and complete access to all of my benefits. They can tell exactly what I will be charged. Do I have that same access? Nope. So when I got fined a hefty $83 for two dentist appointments when we have dentist coverage it comes as a complete shock, not only to me but to the budget. Granted it was a nice dentist office - nice facilities, nice staff, nice dentist and I'm paying for it.
I'm attempting to write down a sheet I'm going to have to put in a lockbox somewhere of all our passwords, usernames, 800 numbers, policies, accounts, credit cards, loans, to put it all in ONE DARN PLACE so hopefully I'll avoid this frustration in the future.