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Old 10-16-2013, 05:53 PM   #321
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From the looks of it, I just completed enrollment in CoveredCalifornia's exchange.

I guess I will know for sure when I get my enrollment package from
our new insurance plan no later than November 15.
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Old 10-16-2013, 06:02 PM   #322
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Originally Posted by Accidental Retiree View Post
From the looks of it, I just completed enrollment in CoveredCalifornia's exchange.

I guess I will know for sure when I get my enrollment package from
our new insurance plan no later than November 15.
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Old 10-16-2013, 06:15 PM   #323
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Yes, that was the Web page that I reported in another thread that showed such low premiums, even before any subsidy!

I just checked again. It still does not have the same detailed info as available on ehealthinsurance. The latter and/or the insurers' sites show exactly which doctors and hospitals are in a network.

So, I am still correct in using plan details from ehealthinsurance.com, and to assume that its higher price is also the correct one, until I can see the exact pricing on healthcare.gov quoted specifically for me and not a "typical scenario".
I was able to use the list to find an insurance provider and then go directly to the insurer's website. They had their ACA plans searchable, with specific pricing for area and age, family and individual. They had network and coverage details.

I won't need coverage until sometime in 2014, whenever DW decides to retire, so I'm staying off the exchange for now. Looks like they're making progress, though they could have saved a lot of trouble by just admitting they weren't ready to in October and waiting a month. Up until a few days ago it appeared nearly impossible to actually select insurance.
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Old 10-16-2013, 07:03 PM   #324
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So, I'm officially giving up on the exchange. I have an appointment at 10:30 tomorrow morning with Blue Cross of Florida (had already decided that was the direction I was going to go). I have a different email to use when dealing with them and, from my understanding, they can direct sell a policy that will qualify for subsidies.

Hopefully all of this can get done but, from my perspective, the exchange is actually getting worse as more people have been able to get passed the initial sign on.
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Old 10-16-2013, 07:12 PM   #325
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Unless my enrollment was on a scam website.

It seemed to go pretty smoothly yesterday and today once I could find the login page. Oddly, I couldn't find the login spot anywhere on the CoveredCA page; I had to search for something like calheers in my history to find the login portal. A bit worrisome, that.

However, once I did find the login portal, I have been able to log in and back out and back in again pretty consistently, if slowly.

I must say, it feels good to have chosen a plan and worked my way through the process. We went Bronze HSA with Anthem, deciding that we'd rather keep our own doctors, instead of starting all over with Kaiser folks, even if our doctors may not be in network. We still don't know, as doctors and hospitals are not up yet on the CoveredCA site.

Thanks to everyone here who has contributed to this discussion for the past few months.
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Old 10-16-2013, 07:13 PM   #326
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jflynn4.

Please let us know how that works. Given the limited number of payers in this area, that could be the best choice.

Thanks,

MRG
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Old 10-16-2013, 09:36 PM   #327
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Originally Posted by Accidental Retiree View Post
From the looks of it, I just completed enrollment in CoveredCalifornia's exchange.

I guess I will know for sure when I get my enrollment package from
our new insurance plan no later than November 15.
A new definition of the .01%
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Old 10-16-2013, 09:39 PM   #328
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Yes, someone can buy a subsidized policy directly from the insurer. ..
Not in Vermont. I talked with BCBS today and asked if I could buy directly from them (had previously explained that I was not applying for the subsidy) and they told me I must buy through the exchange (that doesn't work right now).
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Old 10-17-2013, 07:47 AM   #329
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Just a FYI, using Chrome to submit docs for verification. I could only upload as a PDF file, not JPEG. JPG, upload would not work. It looks like I am able to enroll, even though I have no $ amount for subsidy yet.
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Old 10-17-2013, 08:33 AM   #330
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For those wanting to browse the plans, I read something on another blog that might work. Seems one of the main bumps is the income verification for subsidy, so start another application without asking for subsidy. They said it went fairly quickly and were able to browse plans. I suppose you could buy as well this way and just take the subsidy as a tax credit at filing time. I may start another application and see what it does.
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Old 10-17-2013, 09:01 AM   #331
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For those wanting to browse the plans, I read something on another blog that might work. Seems one of the main bumps is the income verification for subsidy, so start another application without asking for subsidy. They said it went fairly quickly and were able to browse plans. I suppose you could buy as well this way and just take the subsidy as a tax credit at filing time. I may start another application and see what it does.
I vaguely remember someone stating that you need to go to web site if your income was below 250% or something to that effect. Anybody know for sure if you can go to insurers directly and get subsidy later...I would not take the insurers word for it.
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Old 10-17-2013, 10:21 AM   #332
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Just playing around with the TT ACA calculator I first entered a $92K income and was told that I would have about a $1372 monthly payment with no subsidy. "If you choose not to get HI, you would have no penalty"

I then entered the same info with a $59K income and was told I could get HC for $1372 a month and, after subsidy would pay $253. "If you choose not to get HI, your penalty would be $390".

So, if you make $92K there is no penalty for not getting it but if you make $59K and can't come up with the $253, they'll fine you $390? How is that fair?
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Old 10-17-2013, 10:46 AM   #333
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So, if you make $92K there is no penalty for not getting it but if you make $59K and can't come up with the $253, they'll fine you $390? How is that fair?
Something doesn't seem right with the calculator. The opt out penalty is 1% of income ( or $95). Should be $920 and $590. Does MA have their own penalty calculations ?

This one shows the penalty Healthedeals.com Health Care Reform Calculator
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Old 10-17-2013, 10:49 AM   #334
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So after an hour at the blue cross office, I come out with the information that unless you enroll thru the exchange, you will not qualify even for a reimbursement of the subsidy amount. HAVE yo use the exchange at some point.
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Old 10-17-2013, 10:58 AM   #335
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Just playing around with the TT ACA calculator I first entered a $92K income and was told that I would have about a $1372 monthly payment with no subsidy. "If you choose not to get HI, you would have no penalty"

I then entered the same info with a $59K income and was told I could get HC for $1372 a month and, after subsidy would pay $253. "If you choose not to get HI, your penalty would be $390".

So, if you make $92K there is no penalty for not getting it but if you make $59K and can't come up with the $253, they'll fine you $390? How is that fair?
There is no penalty if the out of pocket cost of the insurance exceeds 8% of income. In the first case the premiums come to 17% of income, and the second case the premiums are about 5.1% of income. That explains the difference.
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Old 10-17-2013, 03:25 PM   #336
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Ok ...so I have just successfully navigated all the way thru the exchange, was taken to the insurers website for the selected plan, shown the premium from the insurer that includes a breakdown of actual versus subsidized premium......

Only to have the insurer's site report back "we have experienced an issue with the Enrollment. Please contact a local agent for assistance or continue your enrollment process directly on the Marketplace."

ARE YOU KIDDING ME??

At least I have an actual application number from the insurer (I was at least smart enough to print that off) ...... Waiting for a call back from the insurers service center now.
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Old 10-17-2013, 03:52 PM   #337
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Ok ...so I have just successfully navigated all the way thru the exchange, was taken to the insurers website for the selected plan, shown the premium from the insurer that includes a breakdown of actual versus subsidized premium......

Only to have the insurer's site report back "we have experienced an issue with the Enrollment. Please contact a local agent for assistance or continue your enrollment process directly on the Marketplace."

ARE YOU KIDDING ME??

At least I have an actual application number from the insurer (I was at least smart enough to print that off) ...... Waiting for a call back from the insurers service center now.
How did you get by the duplicated data. They haven't called me back, but my duplicated data did show up. It had gone missing 2 business days ago. Is there a way you can delete data now? Did you have to resort to yet another account?

Thanks and good luck,

MRG
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Old 10-17-2013, 04:44 PM   #338
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Here's a question. It looks like it will be easier given the screwed up system for me to buy a policy for me and then separately buy a policy for DW (separate user id and password for her).

The cost would be the same since the cost for a couple is twice the cost of a single.

Is there any reason not to do this? I had planned to just get a policy covering both of us like we have now but this stoopid system seems to have a problem doing that.
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Old 10-17-2013, 04:59 PM   #339
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When I called Kaiser they said if I wanted the subsidy I would have to go through Colorado's market place. I am still waiting on PEAK (Medicaid) which we must apply for, to send me a rejection notice so I can finish my ACA enrollment. Applied on 10/3/13.
After filling out the info for PEAK (Medicaid) Colorado on 10/3 online I then received a letter yesterday stating I needed to provide proof of citizenship for my two children 15 and 18. So I took their birth certificates to the local Colorado health and human services office, had them make copies (actually they directed me to the copier to make the copies) and stamp verified on them and then I faxed those copies to another office downtown. It took probably about two hours total which wasn't bad, I pity the people who wait too long to go through this process when the lines are out the door. I mentioned to the person helping me about them getting slammed because of ACA and he just held his two fingers to his head and pulled the trigger.
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Old 10-17-2013, 05:19 PM   #340
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Just a FYI, using Chrome to submit docs for verification. I could only upload as a PDF file, not JPEG. JPG, upload would not work. It looks like I am able to enroll, even though I have no $ amount for subsidy yet.
How long did it take to get an 'identity verified' response after you uploaded your docs? I uploaded my docs and it said I would receive an email when my identity was verified but gave no estimate on how long it would take.
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