My new plan went into affect Monday, but I didn't get an insurance card in the mail. I went to talk to the guy at work in charge of getting us all insured and all that, and found that our insurance cards wouldn't be out for a while, because our enrollments weren't in the system. We could use our old insurance cards, and after the new insurance was in the computer, we would get either a refund or a bill for the difference between what old insurance and new insurance covers.
That means, I can't go to the pharmacy, have them fill a prescription using my card, and find out how much I'm paying for anything! Or find out if my new insurance (an HMO) is even going to pay for any prescriptions written back when I was on the PPO.
Is this legal?