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Old 12-28-2013, 09:13 PM   #21
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Enrolled, received cards, payed, signed up on insurers website. All DR' facilities in plan(from what you can tell).

Unfortunately the one generic med that was $ 10 a month will be $350 a month. If I'd stayed on COBRA plan, they announced it was dropped too.

I've already tried with the recommended substitutes. None of them work. I'll be seeing a neurologist for these migraine type headaches. If they can't help, I have no choice, but to pay for the meds I need.

This is not an ACA issue, simple cost adjustment.

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Old 12-28-2013, 09:25 PM   #22
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Not successful.... called and was told to start over.... which would mean that I do not get insurance starting Jan 1...
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Old 12-28-2013, 09:56 PM   #23
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DW all signed up. Never got completed through web site but was able to get it completed after two long phone calls. Don't expect any provider issues, if the Doc takes Blue Cross then they take all Blue Cross. Saved us a bunch and made it possible for us to retire in January. It has not been easy or perfect but the old system was even worse and more expensive.
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Old 12-28-2013, 10:06 PM   #24
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Quote:
Originally Posted by MRG View Post
Enrolled, received cards, payed, signed up on insurers website. All DR' facilities in plan(from what you can tell).

Unfortunately the one generic med that was $ 10 a month will be $350 a month. If I'd stayed on COBRA plan, they announced it was dropped too.

I've already tried with the recommended substitutes. None of them work. I'll be seeing a neurologist for these migraine type headaches. If they can't help, I have no choice, but to pay for the meds I need.

This is not an ACA issue, simple cost adjustment.

MRG
My DH is on a few meds and has shopped prices, asking for pricing with and without insurance. He also gets discount cards or coupons online at goodrx.com.

He found a terrific pharmacist at Target who works with him and price matches.
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Old 12-29-2013, 09:23 AM   #25
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Originally Posted by Accidental Retiree View Post

My DH is on a few meds and has shopped prices, asking for pricing with and without insurance. He also gets discount cards or coupons online at goodrx.com.

He found a terrific pharmacist at Target who works with him and price matches.
Thank you. I've looked but no dice on the med I need. I sincerely appreciate your knowledge.
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Old 12-29-2013, 12:27 PM   #26
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My DH is on a few meds and has shopped prices, asking for pricing with and without insurance. He also gets discount cards or coupons online at goodrx.com.

He found a terrific pharmacist at Target who works with him and price matches.
We've also used GoodRX to search for low prices. I was able to find local stores with low prices and didn't need the coupons. That was in 2012.

For 2014 I've saved my list at GoodRX and now it looks like I'll need the coupons. How do these work at places like Walmart and Target? Do you present the coupon once and it's good for a 90 day Rx and then also good on the refills? Not a problem to print a coupon for a refill every 3 months.

I'm willing to jump through a few hoops to get good prices on Rxs, even going outside of our insurance plan. It won't count toward our deductible if I go outside the plan but it's usually worth the price difference.

In 2012 the best price I found for Losartan was at Costco.com. I was happy that I could do it all online and I didn't need a Costco membership to do it. The closest Costco is about 35 miles away.

We are lucky so far on our Rxs. Mine are low cost generics on the lists at local pharmacies for 90 days/$10 or less. DH has one that's a little more expensive and another one that is about $80/90 days. Those are the ones that I look for on GoodRx.com
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Old 12-29-2013, 01:58 PM   #27
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Originally Posted by Accidental Retiree View Post

My DH is on a few meds and has shopped prices, asking for pricing with and without insurance. He also gets discount card
s or coupons online at goodrx.com.

He found a terrific pharmacist at Target who works with him and price matches.
Well go figure, I must have used the brand name instead of the generic. Your post should save me $300, a month next year.

Thank you so much.
MRG
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Old 12-29-2013, 05:55 PM   #28
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Our state runs its own exchange. I was able to sign up in October and my initial monthly payment was accepted on 12/1 - the earliest possible date I could schedule it. The insurance company tells me that our cards have been mailed but I'm out of town right now so can't be certain.

I have scheduled an appointment with the Mayo Clinic in Scottsdale with no problem and the insurance company website states that Mayo is in network (a Blue Cross Plan). I've also confirmed this with the insurance company by phone. Ironically, if my Blue Cross insurance was issued in Arizona then Mayo would not be in network as Mayo does not have an agreement with BCBS-AZ. As an out-of-state BC policyholder Mayo is included within the BlueCard Nationwide PPO network.
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Old 12-29-2013, 06:42 PM   #29
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We've also used GoodRX to search for low prices. I was able to find local stores with low prices and didn't need the coupons. That was in 2012.

For 2014 I've saved my list at GoodRX and now it looks like I'll need the coupons. How do these work at places like Walmart and Target? Do you present the coupon once and it's good for a 90 day Rx and then also good on the refills? Not a problem to print a coupon for a refill every 3 months.
He only takes the coupon or card in the first time, they put it into their system at Target, and that' s the price from then on. They also have a list of the $4 prescriptions, which he got today, and have given him an itemized list of his meds and which price he is paying: insurance-negotiated, RX card, or just the $4 generic cost.
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Old 12-29-2013, 06:47 PM   #30
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Our deadline was effectively extended 3 months to March 31. Until then our current HDHI plan remains in effect at 2013 rates.

I have mailed an application to the feds for an exemption certificate as the lowest cost bronze policy exceeds 8% or our projected 2014 MAGI and am awaiting a response from the feds.

Once I have the exemption certificate I can buy catastrophic coverage even though were are over 30.

If we can't get the exemption certificate before the end of March my plan B is to buy a bronze policy. I'm allegedly only a couple clicks away from being able to do so.
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Old 12-30-2013, 10:47 AM   #31
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Both of us received our enrollment cards today -- DW for her plan sponsored by the church, and my (corrected) ACA enrollment through BCBSTX with my AI/AN status reflected correctly. Sighs of relief from here.
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Old 12-30-2013, 11:17 AM   #32
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I signed up for an ACA plan directly with the insurer since I am not seeking a subsidy. I plan on harvesting LTCG & doing Roth conversions, so my MAGI will be well above the subsidy ceiling.
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Old 12-30-2013, 12:23 PM   #33
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Anthem and Covered CA

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Did you select Kaiser instead of Anthem?

Our timelines are similar, but I chose Anthem and sit here insurance-cardless, uncharged despite credit card payment, and un-Welcomed.

But, hey, I am repeatedly told I am enrolled and have submitted initial payment.
We chose Anthem through Covered CA and are in the same boat as you.
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Old 12-30-2013, 01:31 PM   #34
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I signed up for ACA via paper form in Oregon since the web site wasn't working and a
short time later found out that I could keep my old HSA policy for one more year.
Cover Oregon just sent me a letter saying I was approved for medicade which is a
mistake since my income is too high. My insurance broker said several people have
been getting these approvals in error. Too late to get this fixed so I signed up for
current policy for another year, price only went up $6 /month. Now I have to call
Cover Oregon and get them to cancel the medicade. ACA seems like a train wreck in
slow motion, hope it is back on the track by next year. Good luck to all.
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Old 12-30-2013, 01:51 PM   #35
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We chose Anthem through Covered CA and are in the same boat as you.
Thanks for letting me know you're in the same situation. I cannot believe it's taking so long for them to get this together, and I've started to worry a bit about whether I landed on some spoof website and provided my info to the bad guys.

I thought about driving down to Oxnard and helping them out with the paperwork.

My husband has gotten all his meds refilled for 3 months and told his friendly Target pharmacist to disenroll him from auto-refill since he's not really sure when he will get his card. The pharmacist says she's had many people come in and tell her that they have insurance on its way, and they show her some paperwork, but without the actual insurance card, she can't do anything for them.

At least DH was able to find out that his meds, w/o insurance, won't break the bank.
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Old 12-30-2013, 02:16 PM   #36
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You might be able to print out a temporary card if you have an online account - some insurance companies provide this feature.

We just keep checking our status online as phone waits are still incredibly long even for billing questions. Today DH finally saw no bill pending/due on his old policy, so he is no longer worried about getting double billed.
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Old 12-30-2013, 03:19 PM   #37
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Daughter got her BCBSTX cards today. What a pain in the @$$ go go through to get this done.
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Old 12-30-2013, 04:13 PM   #38
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Daughter got her BCBSTX cards today. What a pain in the @$$ go go through to get this done.
+1000, but at least I feel like 99% of the battle is behind me after getting the card today.

I've been fighting this since early October and had to deal with a botched first enrollment because of a buggy data transfer between the Marketplace and BCBSTX (I had to apply a second time and enroll again because the ability to perform a "life change" is still not there). They finally got that bad one backed out and canceled, and linked my second (correct) enrollment to my existing account (I have a short-term plan expiring after tomorrow so I already had a member ID). I paid on Saturday (still not posted AFAIK) and got my enrollment card today.

It helped that I rose a mini-stink on social media, and I eventually got the direct line of a specialist who helped me get through this. I have to think her job has NOT been fun for the last couple months. Hope she gets a well-deserved vacation after the dust settles here.
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Old 12-30-2013, 04:27 PM   #39
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DH was able to sign in online to Blue Shield today. We are all in the system despite paper correspondence stating a child only policy. He was able to order more ID cards and print temporary ones, so for now we all have cards.

The next hurdle will be our first doctor appointment and seeing the cards actually accepted. I am hopeful the bulk of the hassles are behind us, although when we had COBRA our medical and dental insurance was cancelled just about every month for one reason or another, even though I always paid up 2 months in advance. We would have to call and make a stink to get it reinstated.

Good luck to everyone else.
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Old 12-30-2013, 04:53 PM   #40
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DH got 2 cards in the mail today, both with his name. Is one for me? Or will my cards come tomorrow? Don't know yet. Supposedly on 1/1/14 we can see the new policy info online and I can print a card if I'm supposed to have my own.

Our previous insurance through DH's pension plan had each of us in our own individual policies so we each had cards with our own name and ID #s.

During December we refilled our prescriptions for the next 90 days and no appointments upcoming until Feb, so we should be fine for a while. I got printed prescriptions from my doctor so I can shop around if our plan's prescription costs are high.
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