Share your ACA signup experience.

[ShokWaveRider]

Just signed up for ACA today in Florida, or should I say my trusted insurance agent of 4 years did so for me. She calculated the best cost sharing and income level to get DW the best rates. Took all of 30 minutes and most of that was talking to her.

 

[bingybear]

I'm still waiting to see the network on one of the companies offering insurance locally that is new to this location. Don't plan on using an agent or using cost sharing.

so still in limbo

 

[misshathaway]

Yesterday's monthly investment look (ouch!) was mitigated by ACA "signup". Keeping my plan, same $$, don't even have to do anything other than continue to pay, according to the ACA web site.

 

[Eucerin]

ShokWaveRider -
Do you have to pay the agent for work on the ACA application for you? or is there a fee?

 

[Aerides]

It's my first time enrolling, took maybe 15 mins to do, including subsidy approvals. I had pre-shopped the plans on Florida Blue's own site in the past few weeks.

 

[ShokWaveRider]

ShokWaveRider -
Do you have to pay the agent for work on the ACA application for you? or is there a fee?

No fee, are you in Florida as she only works with Florida Blue, I can PM you her info if you are?

 

[Eucerin]

No fee, are you in Florida as she only works with Florida Blue, I can PM you her info if you are?

I am in CT. we have brokers to assist for the process but I am not sure if there is any fee/commission involved. Felt that why would they take time to help without any incentives.

 

[ShokWaveRider]

I am in CT. we have brokers to assist for the process but I am not sure if there is any fee/commission involved. Felt that why would they take time to help without any incentives.

Not Brokers, Insurance Agents (Independents may charge). Mine gets compensated directly from Florida Blue. I can get exactly the same rates from the exchange, but it is easier for her to do it for me as she has a special portal, she does not need to get proof of my income either, I think they assume she had done here due diligence. I have worked with her for 4 years. she is fully familiar with the rules and she tells me what my income should be to get the best subsidies and cost sharing. I then make it work. If I miss by a few $k I just pay at the end of the year, but the Copays, Deductibles and Coinsurances are not affected. I just pay the small differences in premium if any.

 

[MichaelB]

I am in CT. we have brokers to assist for the process but I am not sure if there is any fee/commission involved. Felt that why would they take time to help without any incentives.

Brokers and independent agents will collect a fee from the insurer. There is no additional cost or charge to you for an ACA compliant policy.

 

[Eucerin]

Brokers and independent agents will collect a fee from the insurer. There is no additional cost or charge to you for an ACA compliant policy.

That's good to know. Many thanks.

 

[Eucerin]

Not Brokers, Insurance Agents (Independents may charge). Mine gets compensated directly from Florida Blue. I can get exactly the same rates from the exchange, but it is easier for her to do it for me as she has a special portal, she does not need to get proof of my income either, I think they assume she had done here due diligence. I have worked with her for 4 years. she is fully familiar with the rules and she tells me what my income should be to get the best subsidies and cost sharing. I then make it work. If I miss by a few $k I just pay at the end of the year, but the Copays, Deductibles and Coinsurances are not affected. I just pay the small differences in premium if any.

That's awesome. Thanks.
This is my first year apply for ACA but running into some problems, I don't even know what the problem was but the system just skipped the steps and directly lead me to the coverage with full price. I have made inquiring to the ACA. If the problem persists, I may just find a broker.

 

[walkinwood]

Renewed today. Took less than a minute on Colorado's Connect For Health.


Now to wait for the invoice from the insurance co. In the past I've had to call them in December to have them continue my automatic payments for the new policy.

 

[Rianne]

Easy peasy! Our HI broker is awesome and answered all my questions about what the different plans mean in terms of coverage. I learned a lot. She guided me through all the detail, true max out of pocket (that figure on the policy is not true). Why policies prices vary in different zip codes. I gave her the worst scenario one could imagine and asked what would I owe, OOP maximum listed is a joke.

 

[ShokWaveRider]

For those who are interested here is the summary of DW's ACA Plan for 2019. Lots of docs in the network where we live in 32080.

 

[Rianne]

Very nice policy, but prescription drug co pay?? $60 co pay for a prescription?

 

[ShokWaveRider]

Very nice policy, but prescription drug co pay?? $60 co pay for a prescription?

You need to read it more carefully (This is Florida not Il.) Go down to the Drug coverage section at the bottom. That is for drugs administered in the Docs Office. special cases. for those not covered by the ACA.

 

[Rianne]

IC. What is the premium for the policy, it's pretty rich!

 

[Eucerin]

For those who are interested here is the summary of DW's ACA Plan for 2019. Lots of docs in the network where we live in 32080.

It is indeed a good plan. I didn't see whether it is PPO or POS or HMO plan though.

 

[ShokWaveRider]

IC. What is the premium for the policy, it's pretty rich!

$0, Premium The rest is in the Doc.

 

[ShokWaveRider]

It is indeed a good plan. I didn't see whether it is PPO or POS or HMO plan though.

I think it is an EPO. Which is Basically a PPO in our area. It says PPO on the Card.

 

[Rianne]

That's it! I'm moving to Florida.

 

[Eucerin]

I think it is an EPO. Which is Basically a PPO in our area. It says PPO on the Card.

Yea, PPO is great. Especially when you travel out of state, you don't need to worry about out of network referral if in case you need doctor service. Good job!!!

 

[ShokWaveRider]

That's it! I'm moving to Florida.

Not all Florida Counties are created equal.

 

[Dtail]

I think it is an EPO. Which is Basically a PPO in our area. It says PPO on the Card.

It is an EPO officially, but effectively functions as a PPO.

 

[GTFan]

Renewed with no issue on HC.gov yesterday, got a different Ambetter Silver CSR plan but premium only went up from $68 to $69/mo. $0 ded/$1000 max OOP PP (25% coinsurance), $0 dr. copay, $0 generic drugs. We had no issues with Ambetter this year, BCBS re-entered the market with crappier gateway plans that require referrals from PCP to see a specialist. No thanks. Plus Ambetter has a health rewards program where we can easily earn $400/yr. just by doing some simple preventative stuff we'd do anyway, so the net premium is $36/mo.

The 94% CSR'd plans remain very nice here in the ATL as long as you can hold MAGI down to that level.