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I am getting charged for benefits I do not actually have and don’t know what to do

I am a grad student and I normally just use my wife insurance but she switched jobs so we figured we would just sign up for mine for a month or two as I have ADHD and need insurance else my meds are a shit load of money. Anyways, I sent all of my shit to hr, but then was told that they now use a third party service for their benefits. I tried to sign up through said third party but needed information to make an account from HR and they simply just stopped responding to me. I figured everything was good. A little bit later I notice my paycheck is significantly less and after a phone call I learn that they are taking out benefits many months in advance. Also, HR didn't send over all my documents to the third party so I don't even have insurance but…


I am a grad student and I normally just use my wife insurance but she switched jobs so we figured we would just sign up for mine for a month or two as I have ADHD and need insurance else my meds are a shit load of money.

Anyways, I sent all of my shit to hr, but then was told that they now use a third party service for their benefits. I tried to sign up through said third party but needed information to make an account from HR and they simply just stopped responding to me. I figured everything was good.

A little bit later I notice my paycheck is significantly less and after a phone call I learn that they are taking out benefits many months in advance. Also, HR didn't send over all my documents to the third party so I don't even have insurance but I am still being charged for it.

Ok so I will just switch to my wifes new plan and take the cash in lieu option. But the fucking third-party website won't let me do it, and is sending me back to HR who then tries to send me back to the third-party website.

So currently, I am having large amounts of my paycheck being deducted for a service I don't actually have. What can I do?

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