cancelled for "non-payment".
(I'm an expert here in a few categories, but I have no idea what category it should be in.)
Timeline as I see it now, although some information may come in retroactively.
Blue Shield tried to bill my credit card in December 28 and on January 12 for one month's premium
of a Covered California policy
. I have no idea why the bills failed.
They billed again on February 3 or 4 for two months, and it was denied because the credit request didn't reach the bank until around February 9, and the card was lost February 5. (It was later found, but....)
I didn't keep all the demand letters which I thought had been paid, but the ones I have left are a bill (dated February 9) for 3 months premium due February 29, and a letter (also dated February 9) which states that they tried to bill 2 months premium on February 8, and I had to make a payment "before the grace period ends on 3/14/2016".
I called today to make a payment, and they said they had recalculated the grace period and it ended February 14; they coordinated with Covered California and said Blue Shield's computer had received (on February 16) an authorization from Covered California's computer to cancel the policy; claiming the grace period is 30 days as there was no Advanced Premium Credit (APC) on file (as I wasn't sure I would be eligible). They said the normal grace period is 90 days. Some of this information was from the first-line call agent, and some from a supervisor.
I talked with Covered California, and _they_ said from their end, there was no possible truth to the statements (in regard Blue Shield's contacts with Covered California), but that Covered California couldn't do anything about _claims_ of cancellation for non-payment, and suggested I escalate the matter at Blue Shield. While I was taking to the person at Covered California, I reinstated an APC, which the agent said should be in today's file transfer.
Does anyone here have ideas what I should do next?