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Old 10-02-2013, 08:15 PM   #61
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So if you have less income, they are forbidding you from buying some plans, or is it just a suggestion?
Looks like you can't buy those with lower income
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Old 10-02-2013, 08:25 PM   #62
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I can still only get as far as inputting my already established user name and password, then I only get a blank page
When you get to this page, look in the upper right corner. There is a little "person" icon looks like a head+shoulders. Click that it opened another page with links for My applications and My profile ( at least it did for me ). I was able to start the application process from there.
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Old 10-02-2013, 08:34 PM   #63
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Even though I had an identity verification issue, I was able to complete my application. The problem is I'm not allowed to submit my app until my identity is verified.

I saw some prices in a really cool interactive chart in the Tampa Bay Times and there are plans with prices within $20 of our current high deductible Humana policy. Looks like Humana priced their plans very aggressively.
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Old 10-02-2013, 08:59 PM   #64
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Old 10-02-2013, 10:02 PM   #65
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Even though I had an identity verification issue, I was able to complete my application. The problem is I'm not allowed to submit my app until my identity is verified.
Make sure you do not have a credit freeze / lock on your Experian credit file. If you do, unlock it before you even start. If you do not, the automated identity check will not work. Then you will have to use a manual option such as calling Experian or uploading documents.
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Old 10-03-2013, 08:09 AM   #66
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Seems fine now in NE Florida.
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Old 10-03-2013, 08:44 AM   #67
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I was able to login to Healthcare.gov this morning at about 8AM Eastern and completed my application. The process took about 20 mins. I answered the 4 questions related to verification of ID but was not verified. It gave me an alpha-numeric code and number to call Experian. I called, about 15 min wait time, I was on the phone with them for 10 mins or less and was verified. My application for New Hampshire is now being processed and I am awaiting the next step/notice from Healthcare.gov to proceed further.
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Old 10-03-2013, 09:44 AM   #68
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ACA resource

The latest Consumer Reports has the best summary and guidance I have yet to read.
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As if you didn't know..If the above message contains medical content, it's NOT intended as advice, and may not be accurate, applicable or sufficient. Don't rely on it for any purpose. Consult your own doctor for all medical advice.
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Old 10-03-2013, 09:46 AM   #69
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I was up early this morning so I tried to log in. Firefox never showed the login page so I tried Internet Explorer and after about a 15 min wait I was able to login!

From there I tried the identity verification. For most of the questions the answer was None Of The Above and then I got the screen that says your identity cannot be verified, call Experian. I knew to copy the alpha numeric code for the Experian call. Then I had to leave for a while. I called Experian when I got back and after a wait I got a person who tried to help but he said he got a technical error, wrote a ticket and he said they will call me back. Hmmm......

Now I can't even get to the login page. I think this is going to be a long month.

90 minutes later and I was able to login at www.healthcare.gov and fill out the information about family and income. Some of it was awkward as I have a school year 9 mo part time job and then a 3 mo summer part time job. I took my 9 mo income and spread it out over 12 months to make it monthly and then the 3 mo job I called a one time income. For DH I used the taxable portion of his pension averaged over 12 months (his COLA is in June) and also used interest income as his.

Then I got another ID verification deal that did not complete and then the site had a message that the site is down. But I did get as far as "In Process" and an ID number, so I know I've made some headway. Still haven't seen any subsidy calculation or options for plans but I know I'm just stuck in traffic on the Obamacare information highway.
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Old 10-03-2013, 11:34 AM   #70
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I have not been able to log into the Colorado site although it claims I have created an account. I was going to call them this morning when I discovered that they have added a way to browse policy offerings without an account and it will even let you shop based on what you tell them about income and family size to take into account subsidies and cost sharing. As such, I was able to find a Kaiser silver plan that would have a zero deductible, copays for most regular items (rather than coinsurance) and a $4500 family max OOP for a very reasonable amount of money based on a MAGI of $46k. Looks like the last major financial detail I needed to nal down before quitting is settled.

Anyone have experience with Kaiser as a provider? I have not been in an HMO for over a decade.
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Old 10-03-2013, 12:20 PM   #71
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Anyone have experience with Kaiser as a provider? I have not been in an HMO for over a decade.
I've been in Kaiser Permanentey Northern California for 6 years now.

Cribbing from WIkipedia:
Quote:
In the California Healthcare Quality Report Card 2011 Edition, Kaiser Permanente's Northern California and Southern California regions, Kaiser received 4 out of 4 possible stars in Meeting National Standards of Care. Kaiser North and South also received 3 out of 4 stars in Members Rate Their HMO.
The Colorado operation ranks between the Northern and Southern California operations in a couple of surveys.

They're pretty good for preventive care and management of chronic problems. There are generally a number of primary care physicians that you can choose from at the nearest clinic, or you can just go with 'pot luck' and be assigned to someone. Like most HMOs your initial point of contact for non-emergency care is the primary care physician. If they can't handle a problem they can set up a referral to a specialist. The Kaiser operations all use electronic appointments and record keeping, which makes this process much easier. For example, in a recent checkup the doctor spotted something suspicious on my skin that she didn't feel comfortable with spritzing with liquid nitrogen (I get cryo every year for actinic keloids. Yeah, no sunblock as a kid...). At the end of the appointment, I went down the hall and had the suspicious spot photographed. The images were attached to my electronic record, checked by a dermatologist, and a few days later I was called with a new dermatology appointment set up for me.

So, they seem to work for me. It is important to know how the system works. Folks that try to bypass the primary care physician will be frustrated. (And yes, I see someone weeping or throwing a tantrum over this every time I've been in a specialists waiting room.)
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Old 10-03-2013, 12:33 PM   #72
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I've been in Kaiser Permanentey Northern
They're pretty good for preventive care and management of chronic problems. There are generally a number of primary care physicians that you can choose from at the nearest clinic, or you can just go with 'pot luck' and be assigned to someone. Like most HMOs your initial point of contact for non-emergency care is the primary care physician. If they can't handle a problem they can set up a referral to a specialist. The Kaiser operations all use electronic appointments and record keeping, which makes this process much easier. For example, in a recent checkup the doctor spotted something suspicious on my skin that she didn't feel comfortable with spritzing with liquid nitrogen (I get cryo every year for actinic keloids. Yeah, no sunblock as a kid...). At the end of the appointment, I went down the hall and had the suspicious spot photographed. The images were attached to my electronic record, checked by a dermatologist, and a few days later I was called with a new dermatology appointment set up for me.

So, they seem to work for me. It is important to know how the system works. Folks that try to bypass the primary care physician will be frustrated. (And yes, I see someone weeping or throwing a tantrum over this every time I've been in a specialists waiting room.)
Thanks. MIL and SIL both have been in Kaiser for many years and have historically had good things to say. I will quiz them about it when I see them this weekend. I noticed that Kaiser also generally gets really high marks from Consumer Reports as well.
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Old 10-03-2013, 12:44 PM   #73
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In 1983/84 we were with an HMO that is not Kaiser. It was very convenient and most appointments were with no co-pay. It all looked very nice to the casual consumer.

I had my first pregnancy with this HMO. I had valid concerns about the baby's growth, but they kept telling me I was close enough to the normal range that I shouldn't be concerned, I was just a first timer, they were the educated experts.

In 1984 ultrasounds weren't the standard, they were an extra test at an extra cost and in an HMO extras are parceled out carefully because they are an additional cost to the HMO, not the patient.

My son was full-term, but only 4 lb 1 oz, intra-uterine growth retardation due to an insufficient placenta. He had very poor Apgar scores but recovered once he got oxygen and nutrition. My Dr. was clueless and kept denying that there were growth issues and that he ignored my concerns. The kid is now 29 and just fine.

After that I promised to never use an HMO because they decided on care depending on how it affected their profits. I know these things have evolved since then and this was not Kaiser. Kaiser seems to be very well respected. Still, I'd rather have another type of health plan.
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Old 10-03-2013, 01:14 PM   #74
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Thanks. MIL and SIL both have been in Kaiser for many years and have historically had good things to say. I will quiz them about it when I see them this weekend. I noticed that Kaiser also generally gets really high marks from Consumer Reports as well.
I should mention that we are on a high deductible HSA eligible plan with copays. So, we pay some fees for every event except annual physicals and related tests, which are prepaid as part of our premiums.

They're offering multiple plans in each ACA variety (Bronze, Silver, etc).
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Old 10-03-2013, 01:19 PM   #75
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I should mention that we are on a high deductible HSA eligible plan with copays. So, we pay some fees for every event except annual physicals and related tests, which are prepaid as part of our premiums.

They're offering multiple plans in each ACA variety (Bronze, Silver, etc).
I dialled in a MAGI of $46k for a family of 4, which is a touch below 200% FPL. Easily doable for us next year. As a result, the quotes I saw included the subsidy and the cost sharing (zero deductible, greatly reduced max OOP, most things as a copay rather than coinsurance). I've no problem with modest copays, especially as we don't use a lot of medical care services. Much better than coinsurance.
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Old 10-03-2013, 01:40 PM   #76
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My Dr. was clueless and kept denying that there were growth issues and that he ignored my concerns. The kid is now 29 and just fine.
.
Sorry for a tough start. I've used HMOs for years. Yes I had a clueless DR. who almost cost me my life. In my case it was the clueless DR. that was at fault, not the HMO. My clueless DR. I fired him, found a great DR. that later treated me through a reoccurrence of the same issue. Totally different experience.

Point is there are clueless DRs in every plan, and good ones. I know how difficult it can be, needing care and finding out your at the mercy of an id10t. Time to shop is when you're well. I have some red flags, learned from the school of hard knocks, that if I ever see, time to leave.

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Old 10-03-2013, 08:03 PM   #77
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I have not been able to log into the Colorado site although it claims I have created an account. I was going to call them this morning when I discovered that they have added a way to browse policy offerings without an account and it will even let you shop based on what you tell them about income and family size to take into account subsidies and cost sharing. As such, I was able to find a Kaiser silver plan that would have a zero deductible, copays for most regular items (rather than coinsurance) and a $4500 family max OOP for a very reasonable amount of money based on a MAGI of $46k. Looks like the last major financial detail I needed to nal down before quitting is settled.

Anyone have experience with Kaiser as a provider? I have not been in an HMO for over a decade.
Do you have a link for how to browse policies in Colorado?
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Old 10-03-2013, 08:54 PM   #78
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Do you have a link for how to browse policies in Colorado?

I can't find the link now, dangit. I think its because I found it on my work machine which must have a different browser version than my elderly netbook.

Edit: looks like this is it https://prd.connectforhealthco.com/i...reen/findAPlan#
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Old 10-03-2013, 09:42 PM   #79
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I can't find the link now, dangit. I think its because I found it on my work machine which must have a different browser version than my elderly netbook.

Edit: looks like this is it https://prd.connectforhealthco.com/i...reen/findAPlan#
Thanks. I finally got a chance to see a multistate plan's cost for at least one location (Denver), which was a bit over $1500 a month for the two of us on a family plan, with a $1750 deductible for each of us. But out of state care is possible. I'd prefer a copay to deductible but it is what it is. Not cheap but not impossible either. We currently pay about $1100 a month in premiums with a $5000 deductible each.
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Old 10-04-2013, 06:53 AM   #80
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SO close!

Managed to sign on this morning and the system actually recognized my user name and password. Unfortunately it also had lost most of the information that I'd already entered but it was running quickly (!!!) and seemed to be going smoothly.

False hopes.

Got to the electronic signature and "save and accept" .... After a delay of about 3 minutes, it pops up with "Error: unable to contact MEC for non esi". Error number: (blank)

So back to the drawing board .....
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