Got the punchline today. The coughing woman who didn't call me back on Friday called me back this morning. To apologize for the coughing fit, and to tell me she looked into whether or not she is in network on my insurance.

Couldn't answer that because the insurance company told her I am no longer covered.

WHAT?

Called the insurance company... Yep, policy cancelled by the member (me).

NOT EVEN CLOSE.

Turns out to be a snafu on the renewal... Even though I paid my (raised) premium for January. They confirmed they received my payment, and it is credited against an inactive policy.

So they think I cancelled my policy mid December then paid for January coverage at the end of December.

Their working it out but after being on the phone for two and a half hours during work I have to call back tomorrow and it may not be worked out for 3 to 5 days.

The blood work and x-rays I had last week will be covered once the policy is reinstated but I can't even look for a doctor until they straighten this out.

I do not want to "hang in there" I am in so much pain, the pain is driving me to seek help but I am in too much pain to wait much longer.