another bad user experience

My employer got bought (again) about a year ago, so we're being moved onto a new benefits setup as of January 1. This means new health insurance (with new prices, sigh...). We were told we'd get our ID cards in December. I have an appointment in early January that would be a pain to reschedule, so I've been watching for these.

Today I received physical mail, but instead of cards, it contained a piece of paper telling me my plan ID # and a URL where I can request cards or print my own.

They sent me paper to tell me how to request paper, instead of just sending the actual paper I needed.

After creating an account (another set of hoops, elided) I saved PDF copies, but I also asked for physical cards because paper probably won't stay in good shape in a wallet for a year. But this was unnecessarily complicated. I also hit a stupid limit: you can make one request per day, but both my medical and dental insurance are now with this carrier, that's two cards, and there was no way to request all cards. I requested the first, which was apparently successful, and when I requested the second I was told I couldn't.

The letter I got suggested I could use "digital cards", meaning download an image on my phone and skip the paper entirely, to "save space in my wallet" (not a concern, since I'm replacing this year's cards!). But my healthcare providers always want to hold the cards, sometimes keeping them for a while so they can do data entry at their convenience during my visit, and I'm not handing over my phone for that. My phone stays with me or, at worst, within my sight and otherwise locked. So paper it is.

I don't know if I'm abnormal or the insurance provider didn't think through their security model (maybe both). They sure didn't think through their model of what's convenient for users or lower-waste for the planet. By the time this is done they will, it appears, have sent me three separate pieces of physical mail.