Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 11-17-2013, 09:13 AM   #21
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Apr 2013
Posts: 5,604
Congratulations Ziggy29. I too wish they hired you to test!

MRG
__________________

__________________
MRG is online now   Reply With Quote
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 11-18-2013, 07:51 AM   #22
Moderator
ziggy29's Avatar
 
Join Date: Oct 2005
Location: Texas
Posts: 15,613
Quote:
Originally Posted by MRG View Post
Congratulations Ziggy29. I too wish they hired you to test!
I guess once I get something in the mail and get policy info and details about where to pay, I'll know I'm in. But I did get the initial "welcome" e-mail from BCBS so I guess that's a positive sign. It sounds like that's farther than others have managed to get.

That said, it's still frustrating that I can't use the "report a life change" option (and it still says "come back after 11/15") to fix the Indian status issue for the cost-sharing issue -- I'm pretty sure the telephone folks won't be able to help and they will just say "try the web site again in a few days". Just the same, cost sharing or not, it's hard to complain about being covered for $112 a month at age 48 (doesn't mean I won't keep trying).
__________________

__________________
"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   Reply With Quote
Old 11-18-2013, 08:06 AM   #23
Thinks s/he gets paid by the post
2B's Avatar
 
Join Date: Mar 2006
Location: Houston
Posts: 4,330
This is so crazy nobody could have made all this up. I just hope the basic systems get all the problems worked out in a reasonable time frame.
__________________
The object of life is not to be on the side of the majority, but to escape finding oneself in the ranks of the insane -- Marcus Aurelius
2B is offline   Reply With Quote
Old 11-18-2013, 08:10 AM   #24
Moderator
ziggy29's Avatar
 
Join Date: Oct 2005
Location: Texas
Posts: 15,613
Quote:
Originally Posted by 2B View Post
This is so crazy nobody could have made all this up. I just hope the basic systems get all the problems worked out in a reasonable time frame.
It's unsettling, because I have these fears that people will think they are enrolled and insured, and come January 2014 someone will need a major medical procedure, find out that a glitch left them uninsured, and ruin them financially.
__________________
"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   Reply With Quote
Old 11-18-2013, 10:03 AM   #25
Moderator
ziggy29's Avatar
 
Join Date: Oct 2005
Location: Texas
Posts: 15,613
Update -- just got a call from BCBS confirming my personal information and confirming my enrollment. Should be getting something in the mail within a few days confirming it and billing for the first month's premium.

So I guess I am in....
__________________
"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   Reply With Quote
Old 12-03-2013, 10:28 PM   #26
Recycles dryer sheets
fisherman's Avatar
 
Join Date: Jul 2007
Posts: 478
Thought I would post an update on my ongoing attempt to purchase health insurance through the exchange. I am now another twenty plus hours into my attempt to enroll and at least 10 more calls to the gov and BCBS with no success. I was told as of 12-1-13 they would have tools to correct apps but now that say they do not know when they will have that ability. I still do not know if my app has an error or there was an error in sending it since it cannot be resent.

To try and work around all this I started a new app on 11-30-13 which took three different email address before I could get an account created. I can enter all the personal info and income info but then get a message that the verification system is down and should be fixed within 24hrs. Its been longer than that already!

On my last call to the gov I was told to wait till Jan or later as the system should work well by then. My problem is not as bad as those with cancelled policies but in our case with the rate increase for December and having to keep our old insurance it will cost us over $200 per month if we do not use any medical care at all. I explained that to the call center person and asked if I could just apply for the credit on my taxes and was told no since I must have a policy purchased through the exchange to get the subsidy. They really really could have done a much better job of designing this!

It appears from googling the verification error message that this is a common problem now. At this rate they will not have to worry about the cost of the subsidy's since so few people can get through the process.

Stay tuned as I am sure to have another hard to believe chapter in this saga next week.
__________________
Worked the plan and now living the Dream!
fisherman is offline   Reply With Quote
Old 12-04-2013, 08:16 AM   #27
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Vermont & Sarasota, FL
Posts: 16,485
I foresee an increased demand for health care caused by stress related illnesses of people trying to sign up for health insurance.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
pb4uski is offline   Reply With Quote
Old 12-04-2013, 05:46 PM   #28
Recycles dryer sheets
 
Join Date: Mar 2009
Posts: 430
Quote:
Originally Posted by pb4uski View Post
I foresee an increased demand for health care caused by stress related illnesses of people trying to sign up for health insurance.
Exactly what has happened at our house. My wife just give up and decided she will go without insurance until she turns 65 in May. When we got off the phone after trying so many times and so many days of to get insurance I took my blood pressure. Yep, way way high (180/110 ) and I am on meds. This type thing I just do not need at this stage of my life. I tried at least but now we have just give up. No more calling for us. I wish everyone well if this works for you but it has been a disaster for us. Since we have give up on signing up my blood pressure is back to normal (110/70)oldtrig
__________________
oldtrig is offline   Reply With Quote
Old 12-04-2013, 10:19 PM   #29
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: May 2004
Posts: 11,616
Quote:
Originally Posted by fisherman View Post
Stay tuned as I am sure to have another hard to believe chapter in this saga next week.
Good luck, fisherman. You are not alone. Here's a partial transcript from the chat session a user had with the ACA helpers (source: WSJ Best of the Web):
Quote:
[2:21:20 pm]: Alan
Since Sunday, I have been unable to logon. I am certain that I am using the correct Username and Password. I have cleared the browsing history and cookies. I have rebooted. I have tried using three different computers and five different browsers with three different operating systems. Each time I select Log In, I am sent right back to the Log In page.
[2:22:37 pm]: Dipika
I apologize for the inconvenience.
[2:23:20 pm]: Alan
Thank you. How may I log into my account?
[2:25:15 pm]: Dipika
Our website was under maintenance. So may be that was the reason you were not able to log in. It is working fine right now but I am not sure why its not letting you log in if you have used every troubleshooting measures.
[2:26:11 pm]: Alan
Is it under maintenance now? I have been trying to log in for the last hour. I keep getting returned to the log in page.
[2:27:13 pm]: Alan
Yesterday, I read in the newspapers that the problems with the site were fixed so I have been trying to access my account. I have failed many, many times.
[2:28:58 pm]: Dipika
Yes the site is functioning well now but I apologize that its still giving you glitches. If you like, we can help you complete a Marketplace application right now over the phone. And you can try getting back to your account sometime later today.
[2:30:50 pm]: Alan
I have done that twice (plus the account I created online) and been promised letters and/or calls within two days or two weeks. In seven weeks, I have received neither. Doing that again seems a waste of time. Better if I could access my account. Can you help with that?
[2:31:19 pm]: Alan
Time is running out for me.
[2:31:56 pm]: Dipika
I completely understand your frustration.
[2:32:31 pm]: Alan
I am not frustrated. I am simply trying to move forward. All I want to know now is whether you can help with that.
[2:33:31 pm]: Alan
Can you answer either yes or no so that I can do other things?
[2:33:41 pm]: Dipika
If you have already tried clearing browser history and cookies and also used different browsers, there is nothing I could do to help you at this moment.
[2:34:03 pm]: Alan
OK. Thank you. Goodbye.
[2:34:26 pm]: Dipika
But we are available to help you 24 hours a day, 7 days a week. You can reach us toll free at 1-800-318-2596 and we can't continue with your application.
__________________
"Freedom begins when you tell Mrs. Grundy to go fly a kite." - R. Heinlein
samclem is online now   Reply With Quote
Old 12-04-2013, 10:47 PM   #30
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
NW-Bound's Avatar
 
Join Date: Jul 2008
Posts: 19,449
Quote:
Originally Posted by fisherman View Post
... I explained that to the call center person and asked if I could just apply for the credit on my taxes and was told no since I must have a policy purchased through the exchange to get the subsidy. They really really could have done a much better job of designing this!
I understand the idea of an exchange is that all available plans are visible in one spot to allow buyers to shop for what is best for them. But once a buyer has found what he wants, what's wrong with letting him work directly with the insurer, then settle the subsidy with the IRS later with the insurer also in the loop?

The above has been how tax credits or deductions work with mortgages, college tuitions, IRA, HSA, and health insurance too, etc... Why the difference now with ACA health insurance?

PS. I still have not tried to get an account. I am grateful that my pre-ACA plan is still available. And I do not want my BP to go up.
__________________
"Old age is the most unexpected of all things that can happen to a man" -- Leon Trotsky
NW-Bound is online now   Reply With Quote
Old 12-05-2013, 06:46 AM   #31
Recycles dryer sheets
Tandemlovers's Avatar
 
Join Date: Aug 2006
Posts: 151
Quote:
Originally Posted by NW-Bound View Post
I understand the idea of an exchange is that all available plans are visible in one spot to allow buyers to shop for what is best for them. But once a buyer has found what he wants, what's wrong with letting him work directly with the insurer, then settle the subsidy with the IRS later with the insurer also in the loop? The above has been how tax credits or deductions work with mortgages, college tuitions, IRA, HSA, and health insurance too, etc... Why the difference now with ACA health insurance? PS. I still have not tried to get an account. I am grateful that my pre-ACA plan is still available. And I do not want my BP to go up.
Wisconsin is hoping to join a pilot program that would enable consumers who are eligible for subsidies to purchase insurance
outside of the exchange and apply the subsidies to their premiums.
From my local paper:

Walker is also asking the Obama administration to allow Wisconsin to join Florida, Ohio, and Texas in a pilot program that permits eligible consumers to use federal subsidies to buy health insurance plans not available on the exchange.

Wisconsin Insurance Commissioner Ted Nickel sent a letter Monday to the U.S. Department of Health Services asking to join the program.

- See more at: http://www.gazettextra.com/article/2....cPt6ULcY.dpuf

We are waiting to see if such a measure is approved since there is an insurance company operating in our
area that provides better out of network coverage for travelers, but is not participating in the exchange.
__________________
Tandemlovers is offline   Reply With Quote
Old 12-06-2013, 06:24 PM   #32
Recycles dryer sheets
fisherman's Avatar
 
Join Date: Jul 2007
Posts: 478
Here is another update in our ACA saga.

I con now enter all application info in 15 minutes flat for the four of us. The verification system also now gives results. The bad news the results are not correct. One of our children who is 14 is listed as not eligible for a subsidy though both his mother, my wife, and I are. Our son is also not eligible to purchase insurance on the exchange or eligible for medicaid. It says he can go to free clinics! Our other child who is 7 years old is said to be eligible for medicaid.

According to our states medicaid eligibility we all are not eligible for medicaid. According to the calculators we are eligible for a subsidy.

I have now spent over 50 hours on this attempt and still have now way forward other than to file a paper appeal which says they have up to 90 days to decide.

The call to BCBS and Healthcare.gov today was most interesting. I had both on the line at the same time so we could all talk about it for two hours. The government lady even escalated it to her supervisor who then escalated it to the rapid response group. In the end they were all at a lose of how to fix the problem.

If it was not so important and costing us real money it would be comical.

I am seriously considering contacting one of our congress critters to see if they want to have a go at it.
__________________
Worked the plan and now living the Dream!
fisherman is offline   Reply With Quote
Old 12-06-2013, 06:45 PM   #33
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Apr 2013
Posts: 5,604
Quote:
Originally Posted by fisherman View Post
Here is another update in our ACA saga.

...............lots of good stuff removed.............

I am seriously considering contacting one of congress critters to see if they want to have a go at it.
I would strongly agree, I'd personally spread it, as in what can your office do to help, to everyone you can. I would also suggest your State Insurance Commission. It can't hurt, you may find that you can at least move up the 90 day review.
Best wishes,
MRG
__________________
MRG is online now   Reply With Quote
Old 12-20-2013, 05:44 PM   #34
Recycles dryer sheets
fisherman's Avatar
 
Join Date: Jul 2007
Posts: 478
Here is the latest and hopefully final update.

After my last update on 12/6 I decided to contact my congressman. All our reps are from the party that opposes the ACA so I was unsure if I would get any help. I did get a prompt call back from a staff person who explained they could not help. I let this drop at that point.

Next I filled out the forms for an appeal for my second app that I did in late November that had the eligibility results wrong. One child was placed on Medicaid and the other was denied the ability to even purchases insurance. We are well above the medicaid level. I got a response back in a little more than a week saying they had reviewed my appeal request but all that was included was the original eligibility letter with the old date. They did not bother to look at it since it was so obviously wrong.

I then decided to dedicate another day to the effort on 12/13, yes Friday the 13th . After ten hours on the phone, more than one call, to healthcare.gov I did finally get a rep that said he could actually delete the coverage the site said we had and BCBS said we did not from my first app that had correct eligibility results done in mid October. He did delete it and then reselected the policy we wanted, applied our subsidy, and submitted it. That got me to 65 hours of effort on this. It really took ten hours to get a rep that would/could do this.

Once the application was resubmitted to BCBS I started calling them on Tuesday of this week. Each day I was told it was not yet in their system but check back. As of yesterday I did not accept that answer and asked that they find it and call back that day as it had been long enough. I got a call later that day from BCBS saying I was on a list being worked for just such problems and should have an answer soon. this afternoon I got a call from BCBS saying they had the app and all was keyed in and good. They confirmed the app#, our address, the premium, and the policy selection. The enrollment info is supposedly in the mail!!!!! They said it would have a member number I could use to make the first payment online or by phone and that had to be done by 1-15-2014.

The funniest part of all is after I got off the phone with BCBS I actually got my first call back from healthcare.gov saying they now had the ability to edit my app if I still needed that. The problem was either the app was wrong or they were sending it wrong and I could not tell as no one before could see it so I had requested both options. Since BCBS received my app the second time and it worked it must have been the two systems talking not an error in the app that was the problem apparently.

It looks like this is finally working out. About seventy hours over two months and five days to make it happen but it may be done.

We will save $230 a month on premium and our deductible will go from 10K to 0. Our out of pocket will go from 14K to 2.9K. I also verified all our doctors are in the provider list. Several we could not see before are also on the list so we have more choices and more hospitals are included.

I sure hope everyone else who has had trouble getting signed up gets through also.
__________________
Worked the plan and now living the Dream!
fisherman is offline   Reply With Quote
Old 12-20-2013, 05:54 PM   #35
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 16,535
Wow!! What an incredible "journey". I can't imagine your persistence, especially with all the phone waiting I imagine.

And I was just happy that the payment deadline got extended to Jan 10 so that we could see if DH's payment is drafted as we expected on Jan 1, OR the check we mailed on Monday (12/16) gets posted. So far call waits are still running over an hour? So we haven't been willing to wait more than 30 mins on the phone, but we have questions!!!!!

Just found this from BCBSTX for whatever it's worth. I wish we had found that "new Bill Pay Triage Unit" phone number earlier! Blue Cross Blue Shield of Texas - Call Center Seeing High Call Volume Get Help with Common Questions
__________________
Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!
audreyh1 is offline   Reply With Quote
Old 12-21-2013, 10:03 AM   #36
Thinks s/he gets paid by the post
Live And Learn's Avatar
 
Join Date: Feb 2012
Location: Tampa Bay Area
Posts: 1,689
Amazing journey ..... scary, but amazing
__________________
"For the time being no discipline brings joy, but seems grievous and painful; but afterwards it yields a peaceable fruit of righteousness to those who have been trained by it." ~
Hebrews 12:11

ER'd in June 2015 at age 52. Initial WR 3%. 50/40/10 (Equity/Bond/Short Term) AA.
Live And Learn is offline   Reply With Quote
Old 12-31-2013, 06:26 PM   #37
Recycles dryer sheets
fisherman's Avatar
 
Join Date: Jul 2007
Posts: 478
I am still in shock that I can finally post this and how close it was. I got the package in the mail from BCBS today. We have our new policy! Premium is paid and cards are in hand. Old insurance is cancelled as of 11:59PM tonight and new starts at 12AM 1-1-14.

It only took 77 hours total to make it happen but it is done as of 4PM local time on 12-31-13. Talk about close.

New premiums are $230 a month less. Deductible is $0 and OOP max is $2900 for the family. Previous deductible and OOP max were $10K. Kids really help on the subsidy calculation.

The amazing part is how much more is covered. Even the kids dental and vision is covered.

I had checked last month when I first selected the policy and all docs, dentists, and close hospitals are in network. We actually have more Dr to choose from than before.

Halleluiah!!!
__________________
Worked the plan and now living the Dream!
fisherman is offline   Reply With Quote
Old 12-31-2013, 09:11 PM   #38
Administrator
W2R's Avatar
 
Join Date: Jan 2007
Location: New Orleans
Posts: 38,949
Quote:
Originally Posted by fisherman View Post
I am still in shock that I can finally post this and how close it was. I got the package in the mail from BCBS today. We have our new policy! Premium is paid and cards are in hand. Old insurance is cancelled as of 11:59PM tonight and new starts at 12AM 1-1-14.

It only took 77 hours total to make it happen but it is done as of 4PM local time on 12-31-13. Talk about close.

New premiums are $230 a month less. Deductible is $0 and OOP max is $2900 for the family. Previous deductible and OOP max were $10K. Kids really help on the subsidy calculation.

The amazing part is how much more is covered. Even the kids dental and vision is covered.

I had checked last month when I first selected the policy and all docs, dentists, and close hospitals are in network. We actually have more Dr to choose from than before.

Halleluiah!!!
Wonderful! Congratulations.
__________________

__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities.

- - H. Melville, 1851
W2R is online now   Reply With Quote
Reply


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 11:27 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.