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Covered CA Anthem plan
Old 01-11-2014, 11:42 AM   #141
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Covered CA Anthem plan

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Originally Posted by TromboneAl View Post
They still haven't charged my card or cashed my check. The deadline has been extended to Jan 15 for payment.
Good news finally for our Covered CA Anthem plan. Got through to Anthem yesterday. We finally got our Member ID number from the rep allowing us to go online to register and print out temporary ID cards. Although our credit card still hasn't been charged, she said that they don't issue member IDs until they've confirmed payment is made so everything is ok. I sure hope so. Anyhow, our member ID was processed on Jan. 6 and she said it would be 7-10 days after that before getting our welcome packet. Quite a process since we finished the application on Covered CA in late October.

When we asked about our Feb payment, we understood her to say those those would be made directly to Covered CA. I haven't heard that before and am a bit skeptical about that being the case, but hopefully there will be information in our welcome packet.
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Old 01-11-2014, 12:28 PM   #142
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DH and I each have individual policies with KP. I applied for the same policies (Bronze HSA) thru Covered CA, but when I didn't hear anything from KP by the due date for our non-exchange policy near the end of Dec, Me Of Little Faith went ahead and paid the premium for January, to the tune of $1061 (gah). I figured better to have two policies than none for the month of January, assuming the exchange policy ever materialized. I was not holding my breath ...

But then I got a robocall last week from KP, telling me my exchange policy application was being processed and to expect a bill by Jan 9 for the January premium, with payment due by Jan 15.

The bill for the exchange policy showed up in the mail on Jan 10 (only 1 day after they promised, woo woo) and I immediately paid it online via the Kaiser online payment site. I got a receipt, and my credit card was charged the exchange premium of $42. Looks like we're in!

I figure once the payment deadline of Jan 15 is past and the dust settles a bit, I'll contact KP and find out if I need to do anything to get our medical records transferred to the exchange policy, and cancel the non-exchange policy.

... Oh too funny, just as I was typing this I got another robocall from KP, basically the same one I received last week, this time telling me I should receive my invoice in the mail by Jan 16 and payment will be due by Jan. 22.
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Old 01-11-2014, 12:35 PM   #143
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Originally Posted by scrabbler1 View Post
Quick update already: In the NY Marketplace website they had an email address (help@anthem.com in case anyone else here wants to use it) for a general help line for Anthem (BCBS) so I forwarded my email to them. Only 10 minutes later I got a reply saying it had been "forwarded to an appropriate area and someone will be in touch with me...." Mildly encouraging.
I finally have verification of my insurance with NY BCBS. I enrolled on about Dec 4, followed up numerous times in Dec and early Jan by phone. I called again Thurs and was given an ID over the phone to use on their smartphone app. The smartphone app did not work but the website did, and I was pleasantly surprised to see my account was set up. Then this morning I checked my credit card app and saw that BCBS had finally charged my credit card after about 2 weeks. I guess they are just slow. This does not bode well for service in the event I ever file a claim, but at least I appear to have insurance now.
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Old 01-11-2014, 12:37 PM   #144
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I got my new BCBS card on Jan. 2, and I got the money that BCBS improperly had taken from my checking account for my old cancelled plan deposited back into my checking account on Jan. 3. So I'm all set now.
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Old 01-11-2014, 02:06 PM   #145
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I signed up in Nov directly with the insurance company. I sent in the payment Dec 7th. (from their invoice) Between then and Jan 1st, my insurance rate went up. I would have missed the first payment if I had not already set up automatic payments. I'm a little peeved they think they can raise the price w/ no notice.

I also tried to schedule a doctor's appointment on Jan 2nd... I'm waiting till the end of the month when they can fit me in. I'll let you know.
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Old 01-11-2014, 02:37 PM   #146
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Been trying to get my GF enrolled in Colorado. She is going to get a subsidy so has to go through Medicaid qualification/denial first. Who knows how long that will take. Then she'll get a similar plan to her Cobra but about 50% less. Good thing Cobra runs to March 31 as the Medicaid denial has to come before we can sign up with subsidies included in premium.

If it Medicaid denial doesn't come we'll just sign her up without a subsidy and deal with it on the 2014 taxes.
You will need to get a wiggle on if you want coverage for Feb 1. Apparently the deadline to get it together is late next week.

I applied for Medicaid denial last weekend. I screwed up and left out some income and as soon as I hit submit I got a "you are approved for Medicaid" message (gaahhhh!!!). After a bit of panic I figured out how to submit a "change" form that added enough income to get me out of Medicaid. I got the denial by Tuesday and by Thursday night I had gone through the rest of the process on the CO exchange website, picked out a plan, and applied. They required verification of citizenship, SSN, and income, so we scanned a bunch of documents and uploaded them to the exchange site. I was told that if they required more documentation they would call me. Oddly, the only way to pay the premium was with a check, so I am awaiting something in the mail to complete the transaction. I will likely call the exchange on Monday to try to see if everything is in order, but my two calls to the hotline resulted in very patient, knowledgeable people who walked me through what had to get done.

I almost cannot believe how little I will be paying for very comprehensive coverage for a family of 4.
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Old 01-11-2014, 03:14 PM   #147
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Brewer, Were you on healthcare.gov? And you will have regular full-time W-2 for 2013, but will FIRE very soon? So my question is, did you just somehow state during the enrollment that your 2013 income was not representative of your 2014? And then you're going not for just the subsidy, but for the cost sharing, so need to be above 250% FPL to keep out of medicaid territory, and less than some other number to get the cost sharing 'letter'?

The reason I'm so interested in your situation is because it seems so much like mine! I was just going to shoot for just under 400% FPL, thinking the cost sharing wouldn't do too much for me, and looked like a gauntlet that I might not be able to negotiate. Also, I didn't know if I should apply before or after I gave notice. You didn't need to prove you were "outta here" with a letter from your employer, or anything like that?

Edit- I see you are on the CO exchange now. I wonder if I can replicate your success on thd federal site!
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Old 01-11-2014, 04:04 PM   #148
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It remains to be seen whether they will require more documentation, so far so good. I need to show 138% FPL to stay out of Medicaid, and to maximize the goodies I want to stay within 150% FPL. I can dial up whatever income level I like, so I told them 34k for a family of 4. DW is self employed, so the verification they wanted was a ledger. For my part of the income I submitted a 2012 1099 and my last paystub as of my quit date. Added together, these three jibe with the 34k I reported as estimated 2014 income. I stated multiple times that I have quit my job and wrote the same on my paystub scan indicating that this is the one and only paycheck I will get for 2014.
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Old 01-11-2014, 11:00 PM   #149
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I began trying to signup on healthcare.gov at midnight on October 1. I work with computers, so I can generally get through an online form. This was not the case for Healthcare.gov. Despite repeated attempts and multiple calls to the help desk, I was never able to successfully complete an online application. However, I was able to register easily through the 800 number. Ultimately, I decided to keep my current COBRA coverage as it was a bit less than the comparable unsubsidized options.

I also assisted my 28 year old son with his application. He could not successfully complete the online application, but easily registered through the 800 number around the third week in December. We mailed in his first month premium and he has coverage starting January 1. We received his insurance card on January 11th. His old insurance was a catastrophic plan with GoldenRule for approximately $160/month. The full price for his new insurance with Innovation Health is $171. Because we are in a non-Medicaid state, he currently is not elegible for any subsidy (income is too low). I anticipate he will eventually qualify for a federal subsidy which would lower his monthly premium to $34.
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Old 01-12-2014, 10:07 AM   #150
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I guess I'm in the same boat as many others. I successfully?enrolled through healthcare.gov for Louisiana. I mailed my first payment to BCBS but have yet to hear from them. I will probably give them a few more days and call the number provided on the enrollment form.
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Old 01-12-2014, 11:28 AM   #151
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Originally Posted by MildlyEccentric View Post
I began trying to signup on healthcare.gov at midnight on October 1. I work with computers, so I can generally get through an online form. This was not the case for Healthcare.gov. Despite repeated attempts and multiple calls to the help desk, I was never able to successfully complete an online application. However, I was able to register easily through the 800 number. Ultimately, I decided to keep my current COBRA coverage as it was a bit less than the comparable unsubsidized options.

I also assisted my 28 year old son with his application. He could not successfully complete the online application, but easily registered through the 800 number around the third week in December. We mailed in his first month premium and he has coverage starting January 1. We received his insurance card on January 11th. His old insurance was a catastrophic plan with GoldenRule for approximately $160/month. The full price for his new insurance with Innovation Health is $171. Because we are in a non-Medicaid state, he currently is not elegible for any subsidy (income is too low). I anticipate he will eventually qualify for a federal subsidy which would lower his monthly premium to $34.
If his state does not expand Medicaid and your son's income is still below 138% of PL next year, then overestimate his income for the application. That will get him the subsidy and there will be no penalty for over estimating.

Also, I'm a retired doc. My old practice was very large and very well respected and we were contracted with the state/county version of Medicaid for a given number of patients every year. The care that we provided was irrespective of insurance status. We had very little trouble refering Medicaid patients to most of our regular specialty providers either.
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Old 01-12-2014, 05:21 PM   #152
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If his state does not expand Medicaid and your son's income is still below 138% of PL next year, then overestimate his income for the application. That will get him the subsidy and there will be no penalty for over estimating. Also, I'm a retired doc. My old practice was very large and very well respected and we were contracted with the state/county version of Medicaid for a given number of patients every year. The care that we provided was irrespective of insurance status. We had very little trouble refering Medicaid patients to most of our regular specialty providers either.
I've heard Medicaid has a recapture clause meaning that your estate may have to pay back something to the state.
I would think most Medicaid recipients don't have much in assets but a lot may own a house.
Anyone hear about this?
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Old 01-12-2014, 05:26 PM   #153
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I've heard Medicaid has a recapture clause meaning that your estate may have to pay back something to the state.
I would think most Medicaid recipients don't have much in assets but a lot may own a house.
Anyone hear about this?
You may want to read this....
Medicaid Estate Recovery

Here are two snippets...

Highlights of the 1993 Estate Recovery Mandate:

States must pursue recovering costs for medical assistance consisting of:

Nursing home or other long-term institutional services;
Home- and community-based services;
Hospital and prescription drug services provided while the recipient was receiving nursing facility or home- and community-based services; and
At State option, any other items covered by the Medicaid State Plan.
At a minimum, states must recover from assets that pass through probate (which is governed by state law). At a maximum, states may recover any assets of the deceased recipient.



States are prohibited from making estate recoveries:

During the lifetime of the surviving spouse (no matter where he or she lives).
From a surviving child who is under age 21, or is blind or permanently disabled (according to the SSI/Medicaid definition of “disability”), no matter where he or she lives.
In the case of the former home of the recipient, when a sibling with an equity interest in the home has lived in the home for at least 1 year immediately before the deceased Medicaid recipient was institutionalized and has lawfully resided in the home continuously since the date of the recipient's admission.
In the case of the former home of the recipient, when an adult child has lived in the home for at least 2 years immediately before the deceased Medicaid recipient was institutionalized, has lived there continuously since that time, and can establish to the satisfaction of the State that he or she provided care that may have delayed the recipient’s admission to the nursing home or other medical institution.
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Old 01-12-2014, 07:29 PM   #154
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Estate recovery was an issue when my MIL went into a nursing home briefly before entering hospice care. The above snippets of the law are a little misleading. Medicaid recovery applies to people who start Medicaid at 55 or older. The state can recover it's Medicaid costs from the person's estate as long as they do not have a surviving spouse, minor child or disabled child. Costs are recovered from the estate after the second spouse dies or the healthy minor child becomes an adult. Usually this applies to people with a home but low income. This way a low income spouse can remain in the home while the other spouse receives nursing home care. Effectively, they get a no interest loan against their home which comes due after the second spouse's death. Medicaid cost sharing (low income seniors and disabled are eligible for Medicaid to cover a form of Medi-gap insurance) is not subject to estate recovery.

If you are manipulating your income to qualify for Medicaid while sitting on a large pile of assets, you should be aware that the state has the first cut of the money on the death of your spouse. If you are manipulating your income to qualify for ACA subsidies, this estate recovery does not apply. In either case, it might be a good idea to discuss your plan with a lawyer.
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Avoid Waiting on Hold
Old 01-13-2014, 12:04 PM   #155
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Avoid Waiting on Hold

Here's a great web site -- they will call Anthem Blue Cross California for you, wait on hold, then phone you when there is a person ready to talk to you.

Anthem Blue Cross - California Calls You Instead | GetHuman.com



Still no charges for me...
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Old 01-13-2014, 12:44 PM   #156
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Here's a great web site -- they will call Anthem Blue Cross California for you, wait on hold, then phone you when there is a person ready to talk to you.

Anthem Blue Cross - California Calls You Instead | GetHuman.com



Still no charges for me...
Oh, no! You caught me on my webcam!
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Old 01-13-2014, 03:09 PM   #157
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And today I got an "Immediately Due" bill saying the policy will be cancelled if payment not received by the due date (and the due date is "Due Immediately.").
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Old 01-13-2014, 03:24 PM   #158
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And today I got an "Immediately Due" bill saying the policy will be cancelled if payment not received by the due date (and the due date is "Due Immediately.").
That is crazy. I can't wait for my mail to arrive today.
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Old 01-13-2014, 04:25 PM   #159
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And today I got an "Immediately Due" bill saying the policy will be cancelled if payment not received by the due date (and the due date is "Due Immediately.").
How is it that we know you've paid 3 times and they don't know this yet?

I'm starting to think someone at your insurance company is pulling a prank on you. You really have 3 policies, all paid.
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Old 01-13-2014, 04:27 PM   #160
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How is it that we know you've paid 3 times and they don't know this yet?
They aren't members of E-R.org?
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