golftrek
Recycles dryer sheets
Hello, this is my first post on this Forum. I have been lurking and learning a lot and joined specifically for ACA help. It seems to me the posters here know more about the ACA than anyone else I have found.
My husband and I are both retired (YAH!) and live in North Carolina (have to use the federal exchange). Blue Cross is the only major individual insurer in North Carolina and it appears to me that our individual policy rates are among the highest in the nation. Both of our existing heath insurance policies are cancelled as of 12/31/13. We will qualify for around $8000 of subsidies on the exchange, IF we can get approved on the exchange.
We have spent way too much time trying to apply for insurance on the exchange, both online and on the phone. We have also met with a Blue Cross agent and a Navigator. So far we have not been able to get an application approved. One of the problems seems to be that we had frozen our credit (husband's retirement account was hacked a couple of years ago) and we have not been able to prove our identity. We have done a temporary thaw of Experian credit report, scanned in identity documents, had our applications sent to the Resolution Dept., etc but still no approval. I am told there is a glitch the system that they have not been able to correct dealing with Experian.
Has anyone here been able to get approved when you have a credit freeze? Any advice for us?
I had assumed that if we could not get approved by 12/15 for a subsidy we could apply to Blue Cross for a non exchange policy and then cancel it later in 2014 once we finally got our subsidy approved. Today both the Blue Cross agent and the Navigator tell me this cannot be done. They say that once you buy on off exchange policy for 2014 you are prohibited from applying for a subsidy. Can this be correct?
I do not want a gap in coverage but I do not want to give up about $10,000 in subsidies.
Thanks for any suggestions!
Jo Ann
My husband and I are both retired (YAH!) and live in North Carolina (have to use the federal exchange). Blue Cross is the only major individual insurer in North Carolina and it appears to me that our individual policy rates are among the highest in the nation. Both of our existing heath insurance policies are cancelled as of 12/31/13. We will qualify for around $8000 of subsidies on the exchange, IF we can get approved on the exchange.
We have spent way too much time trying to apply for insurance on the exchange, both online and on the phone. We have also met with a Blue Cross agent and a Navigator. So far we have not been able to get an application approved. One of the problems seems to be that we had frozen our credit (husband's retirement account was hacked a couple of years ago) and we have not been able to prove our identity. We have done a temporary thaw of Experian credit report, scanned in identity documents, had our applications sent to the Resolution Dept., etc but still no approval. I am told there is a glitch the system that they have not been able to correct dealing with Experian.
Has anyone here been able to get approved when you have a credit freeze? Any advice for us?
I had assumed that if we could not get approved by 12/15 for a subsidy we could apply to Blue Cross for a non exchange policy and then cancel it later in 2014 once we finally got our subsidy approved. Today both the Blue Cross agent and the Navigator tell me this cannot be done. They say that once you buy on off exchange policy for 2014 you are prohibited from applying for a subsidy. Can this be correct?
I do not want a gap in coverage but I do not want to give up about $10,000 in subsidies.
Thanks for any suggestions!
Jo Ann