An insurance company suspends your medical coverage for months—or longer.
You’ve faithfully paid all premiums for your medical insurance—and have the records to prove it. But the company doesn’t care.
Think it can’t happen to you? It did to a couple I’ll call Diane and Mike.
Mike worked as a paralegal for a Los Angeles law firm. He was getting health insurance for himself and his wife, Diane, under a COBRA arrangement.
COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985. It’s a Federal law that was passed by Congress and signed by President Ronald Reagan.
One of its provisions creates an insurance program giving some employees the ability to continue health insurance coverage after leaving employment.
But a COBRA can sometimes act the same way the deadly poisonous snake does—with unpredictable and lethal results for those depending on it.

In this case, after Mike left his law firm to work at another, he found the COBRA didn’t operate as it was supposed to.
A snafu developed, involving
- the COBRA management company,
- the hospital where Mike and Diane had long been patients, and
- Mike’s former employer.
Each of these institutions blamed the other for failing to provide appropriate information.
So the insurance company suspended Mike and Diane’s health insurance–completely ignoring their medical needs.
Of course, for most people who have dealt with an insurance company, this won’t come as a surprise. Insurance companies aren’t in business to do good. They’re in business to make money.
Then, one day, Diane called me on an unrelated matter. During the conversation, she let slip the suspension of her medical insurance.
I was stunned at the news–and outraged when she said this had been going on for six months.
At once, I offered my services as a troubleshooter. She accepted.
I decided to call the office of my State Assemblyman. In California, the 80 members of the Assembly serve two-year terms, and are limited to being elected three times.
The 40 members of the State Senate serve four-year terms, and can be elected twice.
Because they face re-election sooner, members of the Assembly must stay closely attuned to resolving their constituents’ problems. That’s why they employ staffers who are experts at navigating through the maze of State agencies.
California State Capitol Building
And State Senators make certain their offices are equally well-staffed with such experts.
When I called my Assemblyman’s office, I didn’t ask to speak with him. I knew I was too politically unimportant to rate a direct chat at that level. And I didn’t need to talk with him, anyway.
I simply told the secretary that I wanted to speak with the office’s specialist on insurance.
California has an Insurance Commissioner who directs the state’s Department of Insurance. The mandate of this agency is to license, regulate and examine insurance companies.
Soon I was speaking with Frank, the Assemblyman’s expert on insurance matters. I quickly explained the problem my friends were having. And, to my surprise, I found that he and I hit it off right away.
Frank said he had a friend–Steve–who worked as an investigator for the Department of Insurance. Then he generously offered to put me through to him. I thankfully accepted.
Soon Steve and I quickly found ourselves getting along well. Then he asked me: “What’s your friend’s number?”
Diane hadn’t authorized me to give her number to anyone, but I decided to forward it. If Steve was that interested in examining their problem, I wasn’t going to throw a damper on his enthusiasm.
Soon Steve and Diane were discussing the situation.
The insurance company Mike and Diane were relying on was, like many such companies, registered in Florida. But, in order to legally do business in California, it had to obey the laws of the State of California.
And California laws forbade exactly the sort of behavior this company was engaging in.
And shortly after that conversation, Diane’s insurance company got an unexpected call from the Insurance Commissioner’s office.
The message was simple–and blunt: Restore that coverage–now.
And, within 48 hours, it had been fully restored.
There are several important lessons to be learned here:
- Maintain accurate records of all your premium payments. And keep them accessible–as in file folders, a safe deposit box or an online file.
- Don’t let your insurance company victimize you. Once you’ve paid your premium, you’ve lived up to your part of the arrangement. Now it’s their obligation to provide the medical care you need.
- Know the names, addresses and phone numbers of your representatives–at local, state and Federal levels. Websites such as http://www.govspot.com/ and http://www.capweb.net/ will instantly provide this information–and a great deal more.
- Know the name, address and phone number of your state Insurance Commissioner.
- If your elected representatives can’t or won’t assist you, complain to the news media. Start with the local newspapers and TV stations. If that doesn’t work, try the Internet.
- If the agencies that are supposed to help consumers won’t aid you, make them part of your complaint to the media.
- If you’re disabled and/or have children who are affected by the insurance cut-off, play up this angle in your contacts with public agencies and/or the media.
- If all else fails, consider filing a lawsuit against the insurance company.



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THE MOSQUE OF THINGS TO COME: PART ONE (OF TWO)
In Bureaucracy, History, Law Enforcement, Politics, Social commentary on January 12, 2016 at 12:23 amGERMANY ON COURSE TO ACCEPT ONE MILLION REFUGEES IN 2015.
So read the headline in the December 7 issue of the British newspaper, The Guardian.
It may turn out to be Germany’s epitaph.
Germany registered 964,574 Islamic asylum-seekers in the first 11 months of 2015.
The Islamic world is at war with itself–in Iraq, Syria and Afghanistan. And while Islamics generally slander the West as Satan’s lair, that’s where Islamic refugees are heading.
The vast majority of these come from Syria, which is locked in a brutal civil war. This began on March 15, 2011, when protesters demanded political reforms and the ouster of dictator Bashar al-Assad.
By April 16, 2015, the Syrian Observatory for Human Rights announced that more than 310,000 people had been killed in Syria’s ongoing conflict.
European countries soon began opening their doors to asylum-seeking Islamics.
United Kingdom: Pledged to accept 20,000 Syrians by 2020.
Greece: By September, 2015, nearly a quarter of a million Syrians had illegally landed on Greek shores.
Sweden: 64,685 Islamics admitted.
France: Agreed, by the fall of 2015, to accept 30,000 Syrian refugees over the next two years.
Italy: By the fall of 2015, more than 110,000 refugees had arrived there.
Germany has been–and remains–the main destination for many Islamic immigrants, legal and illegal.
Flag of Germany
According to Germany’s interior ministry, 206,101 Islamics entered the country in November, 2015, setting a new monthly record. The previous high had been 181,166 in October.
Each immigrant has an estimated four to eight family members who could be legally allowed to enter. That could bring the number of Islamics resettled in Germany to more than seven million.
And the cost to Germany?
Germany has an aging population and one of the lowest birthrates in the world. Of the refugees it has absorbed, only one in 10 is immediately employable. The rest will have to be carried on welfare for months, and possibly years.
Behind this unchecked flood stands Chancellor Angela Merkel, who insisted that Germany admit tens of thousands of men, women and children of an alien faith and culture.
Angela Merkel
And, so far, Germans have responded to Merkel’s call with money, food, clothes and even making spare rooms available for immigrants.
And how have many of these refugees thanked their German benefactors for their well-meaning goodwill?
On January 1, 2016, the The New York Times published a story under this headline:
MUNICH ON HIGH ALERT AFTER NEW YEAR’S EVE TERRORISM THREAT
Hundreds of police officers were posted throughout Munich after the Islamic State threatened a suicide bombing attack. Two train stations were evacuated.
Police believed that five to seven people were involved in the threat.
And, in Cologne, Germany, about 1,000 men congregated at Cologne’s central train station, then broke off into small groups to sexually molest and rob women. Asylum-seekers and illegal migrants from North Africa comprise the majority of suspects.
Cologne, Germany
Similar attacks were reported in Hamburg and Stuttgart on New Year’s Eve.
Earlier, in May, 2015, German authorities had called off the popular Eschborn-to-Frankfurt bike race after receiving a tip about a possible attack. Police arrested a German-Turkish couple who had been storing weapons in their home.
In November, a game in Hanover between Germany and the Netherlands was called off hours before kickoff when a suspicious package was found.
Meanwhile, uber-liberals such as those who staff Mother Jones magazine whine that the United States hasn’t followed Germany’s example.
On September 3, 2015, the publication ran a story on the plight of Syrian refugees, under the headline:
GERMANY HAS TAKEN IN 800,000 REFUGEES. GUESS HOW MANY THE US HAS TAKEN IN?
Quoting The Guardian, the Mother Jones writer gives the answer: “The US has admitted approximately 1,500 Syrian refugees since the beginning of the civil war there in 2011, mostly within the last fiscal year.”
Seven days after this article appeared, on September 10, the Obama administration announced that it would take in at least 10,000 displaced Syrians over the next year.
That is on top of the 2,000 Islamic refugees the United States has already accepted.
According to U.S. Census data, America welcomes about 100,000 Muslim immigrants legally each year. This represents the fastest growing segment of immigrants coming to the United States.
The Pew Research Center estimates there are 2.5 million Islamics in the United States. The Council on American-Islamic Relations (CAIR) puts the figure at seven million.
The Troubling Math of Muslim Migration | National Review Online
And while all this is happening, the FBI is being overwhelmed by the demands of countering Islamic terrorism against the United States.
On July 8, 2015, FBI director James Comey testified before Congress about the increasing burdens his agency faces in combating terrorism.
“We are stopping these things [Islamic terror plots] so far through tremendous hard work, the use of sources, the use of online undercovers.
“But it is incredibly difficult. I cannot see my stopping these indefinitely.”
Consider the math: The FBI has only 35,000 agents and analysts–against seven million potential suspects.
And only a portion of those agents and analysts are charged with investigating terrorism.
How did all of this begin? And where is it ultimately leading?
Those questions will be answered in Part Two of this series.
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