Coordinating their coverage with the care provider...

Coordinating their coverage with the care providers is an absolute nightmare. They have repeatedly changed prescription coverage and imposed arbitrary limits on various medications. However the thing that gets to me personally is that they somehow feel entitled to ask me, frequently, if I am seeing another insurance company.

I wish it were jealousy, that I could somehow use their paranoia that they would loose me as a customer to extract a modicum of good customer service from them. Maybe stop them from changing my child's doctor prescribed medication to a similar one (Not identical generic, similar) because it is cheaper. However it is just the opposite. They want me to have another insurance company on the side, so that they can stop providing the service that they are paid for.

I know that they are legally permitted to ask, but it feels really intrusive. Especially the way that they do it. They could say that I need to tell them if I have another provider, and that not contacting them means that I have nothing to tell them. They could make it effortless and not waste any of my time, but no. They insist that I initiate contact, to take my time to let the people that I am paying to provide me with coverage, that they still need to do their job. All of it.

It all feels really shady. I mean, I am paying them to provide X coverage. If I pay someone else to provide Y coverage on top of that, they aren't loosing anything, why should they have the right to reduce my benefits when I didn't reduce how much I paid for them.

And of course, when I don't give their needy and intrusive question the attention that they think it deserves, they just start denying coverage for everything until I tell them that they are the only insurance company in my life. I can not wait for the opportunity to drop them in the fall.