2010-12: With my Cobra ending, in GA I stay covered via obscure HIPPA protections. My only choice: Celtic Insurance owned by Centene Corp. For my Humira drug, Celtic makes me pay tens thousands up front as pay first & manually snail mail claims 1/
To make matters worse, this insurance takes up to 9 months to reimburse me as I float tens of thousands dollars via savings or credit cards. Other times, insurance says submit my bills (as claims) from CVS Specialty Pharmacy instead, but then CVS hounds me for unpaid bills! 2/