Bay St. Louis avoids insurance calamity - - The News for South Mississippi

Bay St. Louis avoids insurance calamity

(Photo source: WLOX) (Photo source: WLOX)

An insurance headache has been averted in Bay St. Louis. City employees can go to the dentist or the eye doctor again. 

What went wrong? Bay St. Louis lost the supplemental insurance policy that covers those visits two months ago. 

Mayor Les Fillingame admits until this week, nobody at Bay St. Louis City Hall knew the Lincoln National Life Insurance Company canceled that policy.

Fillingame said he first learned employees lost their supplemental insurance coverage about 24 hours ago.

Tuesday, the city paid the $12,178.87 premium payment it owed along with its December premium.  Consequently, the insurance company is once again processing any claims filed by Bay St. Louis employees.

So what happened?

WLOX News obtained a copy of a letter sent to the city Nov. 20.  That letter says, “The guidelines for Policy Termination as outlined in your Group Master policy state that unpaid premium at the end of the grace period will cause automatic termination.  This letter serves as the cancellation notice terminating your insurance coverage.”

Fillingame confirms that between Oct. 1 and this week, employees were without dental, vision and other supplemental insurance coverage offered in the city’s benefits package. 

“We had the money to pay the bill.  That wasn’t an issue,” Fillingame said. 

He tells WLOX News he’s working with the city’s insurance agent to figure out why the premium payments never got sent.

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