Join Early Retirement Today
Closed Thread
 
Thread Tools Search this Thread Display Modes
Old 12-11-2013, 05:35 PM   #781
Recycles dryer sheets
NoMoreJob's Avatar
 
Join Date: Feb 2012
Posts: 169
Quote:
Originally Posted by daylatedollarshort View Post
We are out of limbo! DH called Blue Cross today, paid by phone with a credit card, and we are covered for January. We will save over $25K on the premiums alone for a better policy next year with lower out of pocket maxes.
Wow, saving over $25k on premiums alone? That must have been one expensive policy you had!
__________________

__________________
NoMoreJob is offline  
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 12-11-2013, 06:55 PM   #782
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Feb 2013
Posts: 5,326
Quote:
Originally Posted by NoMoreJob View Post
Wow, saving over $25k on premiums alone? That must have been one expensive policy you had!
Our premiums more than doubled half way through COBRA, then the post COBRA conversion policy cost even more. Pre-ACA it was rough being 50+ in the U.S. with pre-existing conditions without employer sponsored, group health insurance.

We could have gotten a small business policy for less in monthly premiums, but the out of pocket maximums were even higher, and we had one family member that needed an expensive surgery this year. Our family medical expenses for the year with premiums are at $45K so far and counting.

Too bad they don't put first person accounts like mine of people benefiting greatly from the ACA on the cover of Yahoo News more often.
__________________

__________________
daylatedollarshort is online now  
Old 12-11-2013, 09:26 PM   #783
Dryer sheet aficionado
 
Join Date: May 2011
Posts: 41
Quote:
Originally Posted by bpgdeg1234 View Post
After investigation I see that there is definitely an issue with the site incorrectly placing some folks or children in Medicaid. Becoming the expert I have at filling out applications with the ability to now remove apps I have seen that I can avoid any Medicaid glitch by increasing my estimated income but still keeping it below the 400% threshold.

As such this allows the family to enroll on the marketplace (as it initially was and still should be able to) but with less of a subsidy due to the higher stated estimated income than we are truly entitled to with our actual 2014 income. So as I understand it, if we proceed with this approach then when reporting our actual lower income on 2014 tax return which is still in the allowable subsidy range we will just receive a higher refund? I'm not concerned with the silver plan cost sharing benefits which no longer are indicated on the eligibility letter as we have been looking at bronze HSA policies. Any perspectives on this approach?
So I proceeded to actually enroll in a plan with a new account/application with the higher estimated 2014 income figuring I will get the rest of any due subsidy at tax time. I got all the way to the "Congratulations!" screen with the info in a box indicating that to activate we must pay the first month's premium by the end of December due date. It also noted that the company will contact us in next few days with detailed info on how to pay or visit your health plan online to make payment now if your plan accepts online payments... There was a "Pay For Health Plan" button on the bottom of the screen which I clicked a few times but screen came right back to same place each time so I can only assume (which I hate to do!!!) that BCBS in our state doesn't accept online payments

When I log back in now to account it shows the app as "Complete" with the ID under it, while the status page shows "Initial Enrollment". Does this all sound correct and based on what I've read from prior member posts I should not wait for BCBS to reach out and instead give them a call on the Customer Service number they provided? Any other ideas as only 20 days and counting to be enrolled and make payment? Thanks in advance for any suggestions.
__________________
bpgdeg1234 is offline  
Old 12-11-2013, 09:36 PM   #784
Thinks s/he gets paid by the post
 
Join Date: Jul 2012
Location: Mississippi
Posts: 1,878
Quote:
Originally Posted by bpgdeg1234 View Post
When I log back in now to account it shows the app as "Complete" with the ID under it, while the status page shows "Initial Enrollment". Does this all sound correct and based on what I've read from prior member posts I should not wait for BCBS to reach out and instead give them a call on the Customer Service number they provided? Any other ideas as only 20 days and counting to be enrolled and make payment? Thanks in advance for any suggestions.
Yea, that sounds right. When I enrolled, it showed completed. The payment button was there and then went away. I never heard anything from them and then the first payment invoice showed up. Since it's later in the game I would go ahead and call them, it does take some time for the data to make it over.
__________________
rbmrtn is offline  
Old 12-11-2013, 09:40 PM   #785
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Apr 2013
Posts: 5,562
Quote:
Originally Posted by bpgdeg1234 View Post
So I proceeded to actually enroll in a plan with a new account/application with the higher estimated 2014 income figuring I will get the rest of any due subsidy at tax time. I got all the way to the "Congratulations!" screen with the info in a box indicating that to activate we must pay the first month's premium by the end of December due date. It also noted that the company will contact us in next few days with detailed info on how to pay or visit your health plan online to make payment now if your plan accepts online payments... There was a "Pay For Health Plan" button on the bottom of the screen which I clicked a few times but screen came right back to same place each time so I can only assume (which I hate to do!!!) that BCBS in our state doesn't accept online payments

When I log back in now to account it shows the app as "Complete" with the ID under it, while the status page shows "Initial Enrollment". Does this all sound correct and based on what I've read from prior member posts I should not wait for BCBS to reach out and instead give them a call on the Customer Service number they provided? Any other ideas as only 20 days and counting to be enrolled and make payment? Thanks in advance for any suggestions.
That's exactly what happened to me, minus income issues. Same message, same status, same silly button that doesn't work. I called BCBS Monday, they promised to get back with me yesterday, not heard anything. I'll call again tomorrow. I didn't call the generic number they gave me for BCBS, I called the local. I might try the generic number, could it get .........?

MRG
__________________
MRG is offline  
Old 12-11-2013, 11:24 PM   #786
Full time employment: Posting here.
 
Join Date: Jul 2013
Location: San Diego
Posts: 699
We enrolled on Saturday, two and a half weeks ago. While we were on a road trip this last week, we received enrollment information from Blue Shield and from Covered California. Blue Shield would like our payment, please.
__________________
AllDone is offline  
Old 12-12-2013, 06:29 AM   #787
Full time employment: Posting here.
cantlogin's Avatar
 
Join Date: Sep 2006
Location: Pocono Mtns.
Posts: 884
Quote:
Originally Posted by bpgdeg1234 View Post
So I proceeded to actually enroll in a plan with a new account/application with the higher estimated 2014 income figuring I will get the rest of any due subsidy at tax time. I got all the way to the "Congratulations!" screen with the info in a box indicating that to activate we must pay the first month's premium by the end of December due date. It also noted that the company will contact us in next few days with detailed info on how to pay or visit your health plan online to make payment now if your plan accepts online payments... There was a "Pay For Health Plan" button on the bottom of the screen which I clicked a few times but screen came right back to same place each time so I can only assume (which I hate to do!!!) that BCBS in our state doesn't accept online payments

When I log back in now to account it shows the app as "Complete" with the ID under it, while the status page shows "Initial Enrollment". Does this all sound correct and based on what I've read from prior member posts I should not wait for BCBS to reach out and instead give them a call on the Customer Service number they provided? Any other ideas as only 20 days and counting to be enrolled and make payment? Thanks in advance for any suggestions.

That's exactly what I experienced on Dec 2nd.
On Dec 5th BCBS customer service didn't know me.
On Dec 9th they told me they had received my application on the 5th and provided an ID number and told me an invoice would be mailed within a week.
December 11th I got an ID card in the mail along with an assurance that more information would follow.
I still have no invoice, but I'm anticipating one.
__________________
cantlogin is offline  
Old 12-12-2013, 10:55 AM   #788
Recycles dryer sheets
Tandemlovers's Avatar
 
Join Date: Aug 2006
Posts: 151
Just got my second follow up call from a marketplace rep this morning.

She was able to delete an earlier application that didn't pan out early in the process,
and bring our application up to the point where we decide whether we want to
purchase as a family or as individuals.

We are waiting until January make our final decision for a February start date.

It was recently reported that our state, Wisconsin, has asked to be included in a pilot
program along with Ohio, Florida, and Texas in which individuals would be allowed to
apply subsidies to insurers outside of the marketplace. We are going to wait and
see if Wisconsin is allowed to participate, since there is a policy outside of the
exchange but within our coverage area that offers better out of network coverage.
__________________
Tandemlovers is offline  
Old 12-12-2013, 11:18 AM   #789
Moderator
ziggy29's Avatar
 
Join Date: Oct 2005
Location: Texas
Posts: 15,612
Quote:
Originally Posted by Tandemlovers View Post
It was recently reported that our state, Wisconsin, has asked to be included in a pilot
program along with Ohio, Florida, and Texas in which individuals would be allowed to
apply subsidies to insurers outside of the marketplace.
I'd not heard of this. That said, it's not surprising that they use the most populous states in the federal exchange as the "guinea pigs" since that could maximize the reduction of strain on the federal exchange site.
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)

RIP to Reemy, my avatar dog (2003 - 9/16/2017)
ziggy29 is offline  
Old 12-12-2013, 03:13 PM   #790
Recycles dryer sheets
Tandemlovers's Avatar
 
Join Date: Aug 2006
Posts: 151
Quote:
Originally Posted by ziggy29 View Post
I'd not heard of this. That said, it's not surprising that they use the most populous states in the federal exchange as the "guinea pigs" since that could maximize the reduction of strain on the federal exchange site.
Ziggy, my first thought upon seeing which states were in the pilot program, was that
this was some kind of political maneuvering on the part of both parties, but I can also
see your point about population and reducing the strain on the federal exchange site.

I got the feeling during the call I received this morning that backlogs were being cleared
up and there is an effort underway to elevate the number of people enrolled for December.
__________________
Tandemlovers is offline  
Old 12-12-2013, 03:37 PM   #791
Thinks s/he gets paid by the post
 
Join Date: Jul 2012
Location: Mississippi
Posts: 1,878
Here's a release from HHS on the program. The pilot part of it is in the selected states the issuers will provide detailed experience feedback. The direct enrollment option has always been there.

Direct Enrollment ? One More Option for Accessing Quality Affordable Coverage | HHS.gov/healthcare

we are announcing that issuers in Florida, Texas, and Ohio are ready to participate in a pilot program using this direct enrollment feature, which will help inform our efforts to make this option work better for issuers and consumers in the coming weeks
__________________
rbmrtn is offline  
Whoo Hoo! We have lift off!
Old 12-12-2013, 04:42 PM   #792
Full time employment: Posting here.
Accidental Retiree's Avatar
 
Join Date: Feb 2012
Posts: 975
Whoo Hoo! We have lift off!

I just called Anthem again, after a short wait got a real person, got told my letter is in the mail but was offered a link to pay, got emailed a link by which to pay, and paid.

My enrollment stuff ought to be on its way in a few days.
__________________
Chief Retirement Strategist
The AR Group
Accidental Retiree is offline  
Old 12-12-2013, 04:44 PM   #793
Moderator
ziggy29's Avatar
 
Join Date: Oct 2005
Location: Texas
Posts: 15,612
Quote:
Originally Posted by Accidental Retiree View Post
I just called Anthem again, after a short wait got a real person, got told my letter is in the mail but was offered a link to pay, got emailed a link by which to pay, and paid.

My enrollment stuff ought to be on its way in a few days.
You *did* print the receipt, right?
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)

RIP to Reemy, my avatar dog (2003 - 9/16/2017)
ziggy29 is offline  
Old 12-12-2013, 05:00 PM   #794
Full time employment: Posting here.
Accidental Retiree's Avatar
 
Join Date: Feb 2012
Posts: 975
Quote:
Originally Posted by ziggy29 View Post
You *did* print the receipt, right?
The receipt was emailed to me, but no, not printed yet. Chase will also email one.

Oh, and the guy told me I enrolled twice. No, actually I did not. Just the once. :-)

Now I can look forward to the welcome package, ID cards, etc. it will be interesting to see how long that takes.
__________________
Chief Retirement Strategist
The AR Group
Accidental Retiree is offline  
Old 12-12-2013, 06:37 PM   #795
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Apr 2013
Posts: 5,562
Been waiting since Tuesday for BCBSKC to return my call verifying they received my application.
MRG
__________________
MRG is offline  
Old 12-12-2013, 10:07 PM   #796
Thinks s/he gets paid by the post
 
Join Date: Feb 2011
Posts: 1,629
Quote:
Originally Posted by daylatedollarshort View Post
.... Pre-ACA it was rough being 50+ in the U.S. with pre-existing conditions without employer sponsored, group health insurance.
True in some areas, but not others. Some states had 'shall-issue' hi-risk pools which ran pretty well by most accounts. Only time will tell if ACA works out better.
__________________
ERhoosier is offline  
Old 12-13-2013, 12:38 PM   #797
Full time employment: Posting here.
cantlogin's Avatar
 
Join Date: Sep 2006
Location: Pocono Mtns.
Posts: 884
Quote:
Originally Posted by cantlogin View Post
That's exactly what I experienced on Dec 2nd.
On Dec 5th BCBS customer service didn't know me.
On Dec 9th they told me they had received my application on the 5th and provided an ID number and told me an invoice would be mailed within a week.
December 11th I got an ID card in the mail along with an assurance that more information would follow.
I still have no invoice, but I'm anticipating one.

I wasn't sure if I'd be able to quote myself.
It's probably most helpful if I keep the timeline together so it's easier to follow.
I'm in Pennsylvania and I received my bill from BCBS in the mail today.
The invoice is for the exact amount I anticipated from my application on the federal marketplace website.

Hopefully this news will allow someone else to relax a little as the deadline approaches.
__________________
cantlogin is offline  
Old 12-13-2013, 02:33 PM   #798
Full time employment: Posting here.
 
Join Date: Jul 2013
Location: San Diego
Posts: 699
Quote:
Originally Posted by ERhoosier View Post
True in some areas, but not others. Some states had 'shall-issue' hi-risk pools which ran pretty well by most accounts. Only time will tell if ACA works out better.
The high-risk pools were dreadfully expensive. My perfectly healthy BIL was in one. It was not much of a solution to the problem of pre-existing conditions.
__________________
AllDone is offline  
Old 12-13-2013, 02:58 PM   #799
Recycles dryer sheets
 
Join Date: Jan 2011
Location: Lake City
Posts: 131
Quote:
Originally Posted by rbmrtn View Post
Here's a release from HHS on the program. The pilot part of it is in the selected states the issuers will provide detailed experience feedback. The direct enrollment option has always been there. Direct Enrollment ? One More Option for Accessing Quality Affordable Coverage | HHS.gov/healthcare we are announcing that issuers in Florida, Texas, and Ohio are ready to participate in a pilot program using this direct enrollment feature, which will help inform our efforts to make this option work better for issuers and consumers in the coming weeks
Blue Cross of Florida has offered this option almost from the beginning of the process.
__________________
jflynn4 is offline  
Old 12-13-2013, 07:20 PM   #800
Thinks s/he gets paid by the post
John Galt III's Avatar
 
Join Date: Oct 2008
Posts: 1,283
Quote:
Originally Posted by cantlogin View Post
I wasn't sure if I'd be able to quote myself.
It's probably most helpful if I keep the timeline together so it's easier to follow.
I'm in Pennsylvania and I received my bill from BCBS in the mail today.
The invoice is for the exact amount I anticipated from my application on the federal marketplace website.

Hopefully this news will allow someone else to relax a little as the deadline approaches.
Nov 20, 2013 enrolled on federal website. Nov 25 insurance co generates invoice. Dec 3 receive invoice in mail. Premium is exactly what I was expecting. Dec 5, mailed in payment. Waiting for id cards and "welcome packet". ID cards slated to arrive next week, welcome packet sometime during first 2 weeks of January. Finally relaxing somewhat !
__________________

__________________
John Galt III is offline  
Closed Thread


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


 

 
All times are GMT -6. The time now is 09:00 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.