I'm not sure if I am actually signed-up or not. I think I might be. But I'm not sure.
The process has been, to say the least, ridiculous.
-Reside in New York State, which runs its own exchange
-After reading many of the horror stories here on ER.org, I decided to wait until after Thanksgiving to enroll in order for more of the bugs to be worked out
-On Dec 3, I went online to the New York exchange site and entered all my info, and at my projected 2014 MAGI, I qualified for a subsidy which I decided to apply toward a Blue Cross Blue Shield Bronze HSA plan. I felt pretty good and was left with the impression that everything had gone smoothly.
-But over a week passed and I heard nothing back from either BCBS or the New York exchange. No email, no letter, no phone call, nothing.
-Called BCBS directly, was told they had not received any enrollment info on me. Called the New York exchange, was told I was enrolled and not to worry, just wait. Waited a few days. Heard nothing back. Called BCBS again, was told again they had not received anything about me from the exchange. Called the NY exchange again, was told I had enrolled and not to worry, just wait. Average hold times about 45 minutes per call.
-On Dec 19 I got a call from a nice lady at BCBS telling me they had finally received my info from the state exchange and that my coverage would begin Jan 1 as long I paid my first monthly installment before then. She told me I would be receiving my welcome packet with all the info and payment instructions within a few days.
-By Dec 26 I still had not received anything in the mail. I called BCBS again and a nice gentleman told me not to worry, that my application had been received and accepted on Dec 11 (huh?). He directed me to their payment website where I entered the first month's payment and my credit card info. I was left with the impression that my payment was accepted and that I would covered as of Jan 1. I printed out some sort of confirmation page.
-Today is Dec 28. I just noticed there is no record of the payment to BCBS on my credit card website. Payments I make at any retail outlet or other website show up as pending almost immediately. I still have not received anything in the mail from BCBS.
So, have I been successful in the ACA sign-up? I have spent almost a month trying to enroll and I still don't know. The process has been frustrating and a big disappointment.