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Old 12-16-2013, 07:40 AM   #821
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Was able to confirm that Medical Mutual recieved my enrollment from the website and I have my new ID# and Group #. They said I should get billing info this week. One more step to go. Yeah!!!

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Old 12-16-2013, 08:25 AM   #822
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Originally Posted by Htown Harry View Post
Congrats, MichaelB. You certainly had plenty of good karma available for this result, after helping so many on the forum through the ACA process.

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Old 12-16-2013, 09:28 AM   #823
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So I was able to actually enroll during October and paid the initial premium (thru a BCBS billing) by the end of that month. In mid November, we received a letter from BCBS to my DW indicating enrollment and "assigning" a primary care physician. I called to inquire about "me" and to ask how we change the primary care physician to our own doctor (who is in the network). I'm told that they don't know why I wasn't sent a letter as well and that I needed to use the website to change physicians but that wouldn't be available to me until December 15. I was also told that if I didn't receive a welcome packet with ID cards by the 15th, to call them back to ensure no issues.

So, as of today, nothing received so I call them. After a 24 minute hold time, the representative assures me that everything is good in terms of enrollment but that she had no real idea of when a packet or ID cards would arrive and that (quote) "we've been educated to let new enrollees know that they will not be able to modify anything, including primary physician, until after January 1st."

So....I guess it sounds like perhaps the insurer is still getting itself together? I can imagine that if there is a 24 minute wait to speak with someone on December 16th, that it may well be mission impossible in early January when everything actually does hit the fan.
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Old 12-16-2013, 12:56 PM   #824
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Originally Posted by ziggy29 View Post

Well, getting disconnected after 2 hours on hold ticked me off, and I popped off on BCBSTX's social media about it. Someone there asked me to PM my phone number. To my surprise, I got an "escalations specialist" (In Illinois!) who started helping me navigate through this. Best of all, perhaps, I got her direct line to use in the future when I have questions or need a status update, so no more hours on hold!
Ziggy29, sorry to hear your continued problems. The social media idea is genius, being ignorant of social stuff, how did you get to them FB, Twitter?
Curious because a lot of big companies are monitoring social sites, just didn't know exactly where to start.

Thanks in advance,
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Old 12-16-2013, 01:38 PM   #825
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Originally Posted by MRG View Post
Ziggy29, sorry to hear your continued problems. The social media idea is genius, being ignorant of social stuff, how did you get to them FB, Twitter?
Curious because a lot of big companies are monitoring social sites, just didn't know exactly where to start.
I posted a couple of things on their FB page about my frustration with getting hold of someone to try to complete enrollment with the "correct" application details. And that when I was on hold for over 2 hours, I talked to someone for a few minutes and while they put me on hold to check with another department on something, I got disconnected. I expressed frustration, they asked me to PM them with my phone number, and to my surprise, they actually did call me back the next day -- and the escalations person I talked to left me with a *direct* line to contact her moving forward. That alone felt like major progress.

Worst case I should be able to pay the premium based on my "active" enrollment with a $6K deductible and work to fix it to recognize my AI/AN status in the weeks/months ahead, so I'm not too afraid of being left out and forced to go naked. It would be nice to get it resolved once and for all, though -- and I still have a few days before the drop-dead date to pay (as long as the online payment option listed for me from my bank account actually works -- the deadline appears to be 12/23, so if I can pay by Friday, 12/20, just to be safe, I should at least be enrolled in *something*).
"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)
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Old 12-16-2013, 05:59 PM   #826
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Originally Posted by Accidental Retiree View Post
Aetna has always charged our CCs monthly. I am hoping Anthem will permit the same.
My Humana policy in Florida (Tampa Bay area) has always drawn from my checking account. Can't remember if that was the only option or if CC would incur an additional charge so I did withdrawal from checking account.
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Old 12-16-2013, 06:02 PM   #827
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BCBSTX credit card payment on-line had an added fee.
Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!
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Old 12-16-2013, 06:17 PM   #828
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I bailed on signing up for ACA. In the whole state of Hawaii only 574 had signed up by 15 Nov. My verification process was still showing 2/01/2014 before citizenship, SSN status were to be completed. I was unable to upload a scan of my passport.

A call to the helpline last week, showed that they are now willing to accept email scan (previously only faxes.) However, my ancient social security card dissolved a few years ago and hasn't be replaced. I can't expatiate the verification process without it.

Fortunately, I got final confirmation recently that my existing Kaiser plan is grandfathered in so I'll pay the 10% higher premium and be glad of it. Lots of people are going to be scrambling this holiday season for health insurance.
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Old 12-16-2013, 06:35 PM   #829
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I couldn't complete creating an account on the BCBSKC website without information I could ony get after I'd paid. Called the I want to pay number. Hold time was 40 minutes. She validated my cost sharing was there, invoice did have tax credit. Gave her cc info for first payment. She validated the amount. They don't appear to have a fee for cc usage here.
She ran charge all went through, gave me the cc transaction id.
Think I'm really done, till I try to use the insurance next year.
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Old 12-17-2013, 10:32 AM   #830
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I got my confirmation letter from BCBSLA, so I am good to go.
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Old 12-17-2013, 03:20 PM   #831
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Earlier, I mentioned that I have successfully enrolled for insurance through the federal website and paid the first month's premium directly to BCBS.
That remains true and I'm not concerned about losing that hard won territory but there is a new befuddlement for me.

Today I received a letter from Healthcare.Gov advising me that if I fail to provide proof of income for 2014 by March1, 2014 my eligibility for healthcare might end.

There is a list of 11 documents that I can send but the only two that 2 that I will be able to produce (a copy of a check paid to me or a bank statement) don't seem to me to provide proof of income for next year. In fact, I can think of no way to provide proof of something that hasn't happened yet.

Does anyone reading this have an explanation of this circumstance that might make sense to me?

Of course, I'll attempt to communicate directly with the originator of this document in London, but I'm not optimistic about that being a smooth experience.



Wait a minute...
How can anyone provide a copy of a check that's been paid to them?
When I get a check, I give it to the bank and they give me money. Maybe they're supposed to give the check back to me in case I need to use it again? This really is like a book or a movie about the absurd.

I'm really not worried or upset about this. I was amazed how easy it was for me to speak with Addison James at the Health Insurance Marketplace a few minutes ago. He assured me that the two documents I mentioned would satisfy the requirement and acknowledged that I wasn't the first one to point out their dubious value as proof of future annual income. I didn't think quickly enough to present him with the problem of getting my hands on a check that's already been cashed.
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Old 12-17-2013, 03:25 PM   #832
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Daughter got her premium bill today for the lowest Bronze plan with BCBS....$70.00.

Looks like its all good. (but what a ride)!
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Old 12-18-2013, 09:31 AM   #833
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I just got the invoice for the first payment from my insurance company.

The enrollment on the Colorado exchange was relatively easy, but the lack of good status information led to a lot of frustration & wasted time as I waited in line (online & on the phone) with the exchange & provider to get status updates.

The process of enrollment was a little convoluted since I first had to apply for, and be rejected by, Medicare before applying for a subsidy. The online SS verification did not work, so I had to upload supporting documents to their site.

I completed my enrollment on 11/15 and received the invoice yesterday 12/17. Big relief!
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Old 12-20-2013, 04:30 AM   #834
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There appears to be good news for those sweating out end of the year payment deadlines. You should now have 10 days extra to complete the payment. Note the December 23 sign-up deadline for coverage beginning on January 1st remains, however. This is just a bit of slack for processing the payment after enrollment.

America's Health Insurance Plans - Health Insurers Voluntarily Extend Deadline for Premium Payment

Health plans across the country are voluntarily giving individual market enrollees who select a plan by December 23 more time to pay their first monthís premium. Consumers must still pay their first monthís premium before coverage takes effect, but those who pay their premium by January 10 will now be able to have coverage retroactive to January 1.
Nice chart, too:
No doubt a continuous prosperity, though spendthrift, is preferable to an economy thriftily moral, though lean. Nevertheless, that prosperity would seem more soundly shored if, by a saving grace, more of us had the grace to save.

Life Magazine editorial, 1956
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Old 12-20-2013, 06:43 AM   #835
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I was told by my new insurer that I can pay the Jan premium by January 10th. I already received 2 phone calls from them confirming my enrollment but have not received the new bill. I was able to follow up with the letter from the NY Health exchange about eligibility for the federal subsidy and I took care of it after a lengthy online chat with a rep.

One small benefit about the Jan 10 date is that I can use it to "bunch" my HI expenses in 2014 to take a larger itemized deduction. (I will be taking the Standard Deduction for 2013 no matter what). I'll be busy writing several checks on Jan 1 to bunch my deductions - 4th quarter 2013 state estimated income taxes, this HI payment, and a charitable deduction. Here's to "bunching!"
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.

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Old 12-20-2013, 09:40 AM   #836
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3 or 4 weeks ago my 26 year old son (remember, his demographic is the key to making this whole thing work) finally got an application to go through, saw his plan choices and his subsidy eligibility and ENROLLED in a plan. His application still says "Submitted" with an application# but it never progressed to "completed" or "enrolled" like mine did.

He called the insurer to see if they got the info since he hasn't gotten any correspondence from them or a bill. Nope, they haven't gotten anything and told him to call and have it resubmitted. So he called them and they don't show him in the system. But he has an ID#! Nope, he needs to delete the application and start over.


This is how you alienate your customers. This is a generation who is used to doing everything online. Calling an 800 number, waiting on hold and then being told, "Sorry, we have no record of you," is not what is going to get people to comply will the new rules.

Just plain shameful. He has been without insurance all of 2013 and wants to be insured and WANTS TO PAY FOR IT BY DEC 23rd.
Married, both 61. DH retired June, 2010. I have a pleasant little part time job.
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New individual mandate waiver for cancellees who can't get affordable coverage
Old 12-20-2013, 10:41 AM   #837
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New individual mandate waiver for cancellees who can't get affordable coverage

The latest twist: The administration has announced that people with individual policies who have received cancellation notices AND who self-certify that they can't find affordable coverage on the exchanges, will not face a penalty if they don't buy insurance.

Link to article in the CS Monitor on this issue.

From the article:
But that raises a difficult question, the lawís critics note. If people who had insurance, but lost it, are now exempt from Obamacare due to hardship, what about people who didnít have insurance in the first place? Isnít their situation just as difficult?

Plus, what if you lost your insurance, but have managed to make it through the hoops of and purchase a new policy? Can you ditch that and buy a cheaper catastrophic plan?
There are 11 days left in the year, this might be the last change.
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Old 12-20-2013, 12:25 PM   #838
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Had enrolled in Blue Shield of CA two weeks ago on CoveredCA, but hadn't received anything from them.
Called BSCA this morning, was only on hold for 30 minutes! The young lady found me in the system via my SSN and asked if I wanted to pay my first premium (at the subsidized amount--yay). I gave her my CC info, and then she said they would send the welcome packet in 7 - 10 business days. So I'm wondering how you would know what and how to make a payment if the insurance company hasn't sent you anything? That's why I called, obviously, but it seems like they should send a provisional welcome package first.

Then she said I would need to "register" online by January 1. But I can't register without an ID number which I won't have until I get the welcome package which probably won't arrive by Jan. 1. Oh well, I consider myself very lucky to have made it this far.
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Old 12-20-2013, 12:44 PM   #839
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Our credit card was charged three times for the same amount for the January premium.

Weird letters are arriving through the mail from Blue Shield and Covered CA. One was a reminder to finish our application, dated after we had already completed it. We had at least one computer generated letter with the key words left out where there obviously should have been variable data filled in from a database. It is the kind of stuff I would have given a first year CS student an F on when I used to grade programming homework as a teaching assistant in college. Yet these letters are being sent out to the public for a real world application over as serious and important a matter as health insurance. It boggles the mind.

But, hey, we have our application verification saved and printed off, Blue Shield accepted our payment not once but three times, and the guy on the phone at Blue Shield says we are all set and should get our cards next week. Our old policy was cancelled so there isn't much else we can do at this point except hope he is right.
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Old 12-20-2013, 12:56 PM   #840
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I received three eligibility notices today, via snail mail for one ot the many applications I started, on the federal exchange. I'd understand one, if it was the one I enrolled with. I'm guessing I'll get twenty more.

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