HomeLatest ThreadsGreatest ThreadsForums & GroupsMy SubscriptionsMy Posts
DU Home » Latest Threads » Forums & Groups » Main » General Discussion (Forum) » I Finally Got Through on ...
Introducing Discussionist: A new forum by the creators of DU

Thu Oct 10, 2013, 02:45 AM

I Finally Got Through on HealthCare.gov! UNBELIEVABLE Rates!

Last edited Sat Oct 12, 2013, 12:02 AM - Edit history (2)

Holy smokes!

I've been trying to register since Day 1, only to have it keep erring out over and over again, no matter what time of day I tried. Multiple unsuccessful attempts, a couple user account names "lost in limbo", but the third try was the charm.

Took me well over an hour to answer all the verification questions, but I was finally able to look at and compare plans.

To be on the safe side, I ended up over-estimating my income a bit, as my current part-time job only pays around $10K/year, which isn't enough to qualify for subsidies. (My current home state of Idaho is one of those backwards GOP-controlled states that didn't expand Medicaid. Assholes.) But I expect to be able to take on a work-study job through my community college next semester, which should be just enough to put me over the $11,490 threshold for full subsidies to kick in.

So I checked out the default Silver-level plans which looked very affordable. With the $203/month subsidy, I found two plans that only cost $20/month: one with a $1000 deductible and $5800 max out-of-pocket, and another with a $3500 deductible but $3500 out-of-pocket. While that isn't too bad, just for fun I took a peek at the other level plans. I could get a Bronze plan for free, but they had way higher deductibles and max out-of-pocket expenses, too risky. The Gold plans weren't much better than the Silver it didn't seem, and still had pretty high deductibles and co-pays.

Then I was completely blown away: I could get a fucking PLATINUM plan for only $85/month. NO DEDUCTIBLE, $1500 MAX out-of-pocket expenses, worst-case scenario. Only a $35 primary doctor co-pay, a $50 specialist doctor co-pay, and $10 generic drugs. Even though its over 4 times as expensive as a Silver plan, I'm seriously leaning toward this option. The extra income from a work-study job would more than cover it.

No fucking wonder the GOP wants to shut this down before word gets out! Even without subsidies, that Platinum plan is only $288/month, and from the looks of it far superior to many employer-offered plans. This is really going to give corporate insurance plans a run for their money. Employers won't want to look like cheapskates offering less benefits than what the uninsured can get on the exchanges, so I imagine it will force them to reduce, if not eliminate, their high deductibles as well.

If this is really what we have in store, then 2014 is going to be a blood-bath... for the Republicans.


*** ETA: I'm 36 years old, single, non-smoker:

87 replies, 10746 views

Reply to this thread

Back to top Alert abuse

Always highlight: 10 newest replies | Replies posted after I mark a forum
Replies to this discussion thread
Arrow 87 replies Author Time Post
Reply I Finally Got Through on HealthCare.gov! UNBELIEVABLE Rates! (Original post)
LAGC Oct 2013 OP
BlueCheese Oct 2013 #1
LAGC Oct 2013 #4
Nye Bevan Oct 2013 #23
Yo_Mama Oct 2013 #36
LAGC Oct 2013 #47
Sgent Oct 2013 #5
blkmusclmachine Oct 2013 #2
ogradda Oct 2013 #3
4bucksagallon Oct 2013 #6
AnotherDreamWeaver Oct 2013 #51
nvme Oct 2013 #7
Habibi Oct 2013 #10
Bolo Boffin Oct 2013 #11
nvme Oct 2013 #78
snooper2 Oct 2013 #13
northoftheborder Oct 2013 #30
Drunken Irishman Oct 2013 #57
ET Awful Oct 2013 #61
nvme Oct 2013 #76
LAGC Oct 2013 #77
ET Awful Oct 2013 #80
nvme Oct 2013 #82
ET Awful Oct 2013 #83
nvme Oct 2013 #84
ET Awful Oct 2013 #85
nvme Oct 2013 #86
ET Awful Oct 2013 #87
Spitfire of ATJ Oct 2013 #8
grantcart Oct 2013 #9
PoliticAverse Oct 2013 #12
AAO Oct 2013 #14
redqueen Oct 2013 #15
Myrina Oct 2013 #16
Autumn Colors Oct 2013 #19
Whisp Oct 2013 #22
LAGC Oct 2013 #53
The Midway Rebel Oct 2013 #68
Papagoose Oct 2013 #17
florida08 Oct 2013 #18
bluestate10 Oct 2013 #42
florida08 Oct 2013 #72
LAGC Oct 2013 #52
florida08 Oct 2013 #73
Divine Discontent Oct 2013 #54
florida08 Oct 2013 #74
penultimate Oct 2013 #20
Jefferson23 Oct 2013 #21
madrchsod Oct 2013 #24
Yo_Mama Oct 2013 #37
Liberal_in_LA Oct 2013 #25
lostincalifornia Oct 2013 #26
Corruption Inc Oct 2013 #27
Autumn Colors Oct 2013 #28
PoliticAverse Oct 2013 #39
davidpdx Oct 2013 #55
BlueStreak Oct 2013 #29
Autumn Colors Oct 2013 #31
BlueStreak Oct 2013 #34
Recursion Oct 2013 #56
BlueStreak Oct 2013 #62
byronius Oct 2013 #32
SunSeeker Oct 2013 #33
Joey Liberal Oct 2013 #35
grantcart Oct 2013 #38
TBF Oct 2013 #40
PasadenaTrudy Oct 2013 #41
awoke_in_2003 Oct 2013 #43
Curmudgeoness Oct 2013 #44
LAGC Oct 2013 #50
wercal Oct 2013 #58
LAGC Oct 2013 #59
kairos12 Oct 2013 #45
ffr Oct 2013 #46
TransitJohn Oct 2013 #48
LAGC Oct 2013 #49
datasuspect Oct 2013 #60
BlueStreak Oct 2013 #63
Curmudgeoness Oct 2013 #66
Zorra Oct 2013 #64
LAGC Oct 2013 #70
DebJ Oct 2013 #65
BlueStreak Oct 2013 #67
DebJ Oct 2013 #69
DebJ Oct 2013 #75
Cal Carpenter Oct 2013 #71
tweeternik Oct 2013 #79
PasadenaTrudy Oct 2013 #81

Response to LAGC (Original post)

Thu Oct 10, 2013, 03:04 AM

1. I'm glad to hear it.

The platinum plan sounds pretty good if you're sure you can afford the $1020 annual premium. It'll be nice to know you won't be out more than $2500 no matter what happens. I guess the silver plan would cost only $240 if you don't end up needing care. Interesting call.

I'm guessing you're fairly young since you're talking about college and work-study, though of course people go to school at all ages, which probably helps keep your rates low. Out of curiosity, do you know what you might have paid for an individual plan before the ACA?

Also, did you say you get more subsidies if you make more? How does that work? I'm sure you're right, because you looked into it, but that seems like a weird way of designing the system. Does it have something to do with having those with lower incomes on Medicaid?

Reply to this post

Back to top Alert abuse Link here Permalink


Response to BlueCheese (Reply #1)

Thu Oct 10, 2013, 03:13 AM

4. Yeah, the way it was SUPPOSED to work, is those of us under 133% poverty-level...

...would be covered by Medicaid. But thanks to the SCOTUS allowing states to opt out, many GOP-controlled states did.

That means people making less than 100% poverty-level in those states are screwed. Because subsidies weren't even designed to kick in until at least 100% poverty-level.

Fortunately for me, I'm just under the threshold, so taking a very part-time second job should be more than enough to push me over the minimum.

It's a crazy mess to be sure, we really need single-payer... but I was just pleasantly surprised at how affordable these plans are, warts and all.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Reply #4)

Thu Oct 10, 2013, 03:20 PM

23. Apparently if you get a subsidy and end up earning below FPL, you will NOT be asked to repay it.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Nye Bevan (Reply #23)

Thu Oct 10, 2013, 05:11 PM

36. That makes sense

Very good sense.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Nye Bevan (Reply #23)

Fri Oct 11, 2013, 01:03 AM

47. That's really good to know.

I was kind of afraid of what might happen should I get laid off or get sick and have to miss work for more than a couple weeks and fall below the FPL minimum.

Thanks for sharing that.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to BlueCheese (Reply #1)

Thu Oct 10, 2013, 03:18 AM

5. Medicaid

The ACA provided for those under a certain threshold by expanding Medicaid using a series of carrots and severe sticks. Since SCOTUS invalidated that, many states refused to expand Medicaid, and there is no provision for providing subsidies to those eligible for Medicaid.

Medicaid coverage would be almost 100% of expense ($3 co-pay max for outpatient services for adults, nothing for children) -- including some eye and dental.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 03:08 AM

2. There may not be anyone left to vote by the time November 2014 rolls around.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 03:12 AM

3. Uck

I still haven't been able to get signed up I keep getting bumped off.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 03:19 AM

6. I agree with what you say, "If this is really what we have in store, then 2014 is going to be a

blood bath....... for the Republicans." If every one votes. That is the unknown factor in the equation.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to 4bucksagallon (Reply #6)

Fri Oct 11, 2013, 01:29 AM

51. Only "One" of the unknown factors. Touch screen, unverifiable voting machines another. nt

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 03:27 AM

7. My conversation with Healthcare.gov


: Thanks for contacting Health Insurance Marketplace Live Chat. Please wait while we connect you to someone who can help.
: Please be patient while we're helping other people.
: Welcome! You're now connected to Health Insurance Marketplace Live Chat.

Thanks for contacting us. My name is Destiny. To protect your privacy, please don't provide any personal information, like Social Security Number, or any other sensitive medical or personal information.
: Destiny
How may I assist you today?
: Nelson
I created account
: Nelson
verified email
: Nelson
and signed in
: Nelson
but shifted to a blank screen
: Nelson
and nothing
: Nelson
I created a second account and the same thing
: Destiny
Thanks for your interest in the Health Insurance Marketplace. We have a lot of visitors trying to use our website right now. That is causing some glitches for some people trying to create accounts or log in. Keep trying, and thanks for your patience. You might have better success during off-peak hours, like later at night or early in the morning. We'll continue working to improve the site so you can get covered!
: Nelson
so what do i do
: Nelson
i tried that as well
: Nelson
please give me a real answer
: Nelson
and not canned information
: Destiny
I apologize for the inconvenience, but we are unsure of how long the glitches will appear on the site.
: Destiny
You can also call 1-800-318-2596 and they will be able to mail you an application.
: Nelson
I have tried at various times on different days
: Nelson
your kidding right
: Nelson
i am going to paste this conversation on my facebook page
: Nelson
on the bs service
: Destiny
Another alternative to the online application, would be to call and get an application mailed to you.
: Destiny
Do you have any other questions that I can help you with?
: Nelson
so can you put me with a supervisor?
: Destiny
You can call 1-800-318-2596 and they will be to transfer you to a supervisor.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to nvme (Reply #7)

Thu Oct 10, 2013, 04:48 AM

10. Not sure what you expected her to do.

These sites, and people like Destiny, are getting hammered. Be patient, keep trying, you'll get through. Or do as she suggested and call the 800 number.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to nvme (Reply #7)

Thu Oct 10, 2013, 05:36 AM

11. Try checking that your browser is set to accept cookies

and then delete all cookies and your browsing history from at least when you applied through now.

I had the same blank screen problem just now, and when I look at the trouble with logging in link on the log in page, that's what it suggested to me. I did and now I'm back in.

Good luck!

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Bolo Boffin (Reply #11)

Sun Oct 13, 2013, 03:24 AM

78. I appreciate your suggestion

I will try it and see.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to nvme (Reply #7)

Thu Oct 10, 2013, 09:48 AM

13. You are THIS DUDE!

Did you ever get a hold of Michelle?




Reply to this post

Back to top Alert abuse Link here Permalink


Response to snooper2 (Reply #13)

Thu Oct 10, 2013, 04:41 PM

30. Hilarious!!! I empathize.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to snooper2 (Reply #13)

Fri Oct 11, 2013, 03:34 AM

57. That guy handled it like a champ...

I understand dealing with customer service is frustrating. Guess what - it's not nearly as frustrating as dealing with people. I say this because it's likely you'll only have one or two (sometimes more) calls that irritate you - if you are a CSR, you're taking that many in a half hour. People are rude and insulting, even though you are trying to help them and what generally is happening is not your fault.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to nvme (Reply #7)

Fri Oct 11, 2013, 08:58 AM

61. Little tip for you . . .

She gave you all the information she had.

She is a customer service representative, she is not a web developer, technical support agent, server administrator, etc.

What she gave you was a perfectly reasonable answer.

Also - if you talked to a supervisor, you'd likely get exactly the same information.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to ET Awful (Reply #61)

Sun Oct 13, 2013, 03:13 AM

76. Blame the Victim

Simple, blame the person who is asking for help.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to nvme (Reply #76)

Sun Oct 13, 2013, 03:22 AM

77. It's not your fault, nvme.

I, too, tried the online chat and they didn't seem to have a clue what was going on. Just referred me to the phone support line.

The phone support folks weren't much better, but I can't really blame them for being exasperated, since all they've been hearing is complaints for the past 10 days as well due to all the web-site issues.

Hopefully they get the web-site kinks worked out soon so everyone can apply online without issues. It really is a decent system once it finally lets you in to compare plans and what not.

Don't give up, and don't get discouraged.


Reply to this post

Back to top Alert abuse Link here Permalink


Response to nvme (Reply #76)

Mon Oct 14, 2013, 07:45 PM

80. Nobody blamed you for jack.

What I did was point out that you're directing your blame at the wrong person.

But continue with your persecution complex.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to ET Awful (Reply #80)

Tue Oct 15, 2013, 03:48 PM

82. Nice

My point, no wants to assume and responsibility or be held accountable was missed. Even you as a "messenger", don't stand behind your comments. You vilify me as having a "persecution complex" when I genuinely expressed frustration and asked for help. again thank you for feeding into my "persecution complex".

Reply to this post

Back to top Alert abuse Link here Permalink


Response to nvme (Reply #82)

Tue Oct 15, 2013, 04:25 PM

83. Once again, you chose to blame a rep that gave you all the information she had.

I bet you'd blame the rep at the power company for a power outage when there were already crews working to fix it as well wouldn't you?

Your choice first to blame her (for no other reason than she's the one you spoke with) and then to call yourself a "victim" when I pointed out that you were misplacing your blame shows that you do, in fact, suffer from some kind of persecution complex.

If you don't want to admit that you are misdirecting your ire at someone who is not responsible, could not be responsible, can't help you any further than they've already done and is doing everything she can to help you, that is your problem. It is not hers, it is not mine.

You are making yourself out to be a victim when there is no "victim" involved (except perhaps the person to whom you are incorrectly assigning blame).

Perhaps you should try a little patience since, regardless of what you do today (or the day you spoke with the rep), no policy you sign up for will go into effect prior to January 1st.

Of course you will continue to blame the person answering the phone for not having all the information you require. After all, someone whose full time job is answering phones is likely to be able to answer any technical issue regarding a highly technical system and have the answer to all questions regarding the website issues when the administrators haven't even tracked down all the issues yet. . . I mean a phone service rep has answers that even their superiors don't right?

Reply to this post

Back to top Alert abuse Link here Permalink


Response to ET Awful (Reply #83)

Sun Oct 20, 2013, 02:40 AM

84. Just so I am Clear.

The law was signed in march 2010? the website has been in existence for sometime with a potential of $292 million dollars worth of funds to support the IT project (Reuters). So with these funds and support to actually process the work needed, you are telling me I am wrong to expect at least one competent person to answer my questions? That I am unreasonable?

With well over a quarter of a billion dollars invested in something that cannot process my information beyond a blank screen. I accept and I am irrational to expect accountability. I am wrong for questioning and complaining should be a better yellow dog democrat.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to nvme (Reply #84)

Sun Oct 20, 2013, 11:50 AM

85. Once again, since you are being willfully and intentionally obtuse

The rep you spoke with had NOTHING to do with that. She gave you the information she had.

Yet she is the one you chose to direct your ire at.

It's kind of like blaming a busboy at the coffee shop for not knowing why the there aren't any chocolate donuts left.

If you want to direct your ire at someone, direct it at someone who deserves it. It's not the phone reps fault that she hasn't been given any additional information.

But of course, you'll ALWAYS blame the first person you talk to right?




Reply to this post

Back to top Alert abuse Link here Permalink


Response to ET Awful (Reply #85)

Sun Oct 20, 2013, 03:24 PM

86. at this point I will type it slow

lots of money to pay people to be on hand in case problems arise. Line employees have no clue to the reasons why big website not worky good. In some place they have grown up who can tend to problems. is that simple enough for you? Why aren't there any grown ups around?

Reply to this post

Back to top Alert abuse Link here Permalink


Response to nvme (Reply #86)

Sun Oct 20, 2013, 06:41 PM

87. mmmmhmmm. . . . still looks to me like you're blaming the phone rep

who is just doing her job.

A grown-up wouldn't do that.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 03:33 AM

8. Keeping in mind that there will be a whole year for word to spread before the midterm.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 03:33 AM

9. Great news.


It was pretty amazing to click the button and see the subsidy amount pop right up.

In six months everyone will know someone like you or me that just can't stop talking about it.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 09:29 AM

12. Be sure to check out the health care provider network and make sure you can find a doctor

in your area that is accepting new patients before signing up with any specific plan.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 12:01 PM

14. Go with platinum! 70/30 compared to 90/10 coverage

 

Silver 70/30 could still bankrupt you if you have to pay 30% of a MAJOR operation or two. The 90/10 is much more cost effective enev at $85/mo. I wish the had a 100/0 plan. That's what I have now through my employer.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 12:04 PM

15. "No fucking wonder the GOP wants to shut this down before word gets out!"

Last edited Thu Oct 10, 2013, 12:42 PM - Edit history (2)

My thoughts exactly.

I was wondering why they'd pull this stunt this close to midterms... What would be worth the risk... This explains it.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 01:44 PM

16. ... this sounds like the same other 'infomercial' posts that have popped up this week ...

n/t

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Myrina (Reply #16)

Thu Oct 10, 2013, 02:58 PM

19. Infomercials? hahaha

Maybe the reason they all sound the same is that people who are getting through are consistently getting similar results.

Warning: I'll be posting my own -- as you label it -- "infomercial" post later this week. I've got all my figures jotted down from the rates/subsidy that I was quoted, but I still have to verify my income before it's final and my account/subsidy/choice of plan is approved. I'm lucky enough to live in a state with its own exchange website, so I was able to bypass the healthcare.gov website entirely.

I have quite a bit of paperwork relating to my self-employment that I need to get to them and am going to do it via postal mail, so my "infomercial" post will have to be delayed a bit.

Is your post implying that the people posting are paid shills or something? (Maybe I've misunderstood your intent.)

Well, I'm a self-employed medical transcriptionist in Northwest Connecticut whose profession is going the way of the dinosaur partially BECAUSE of ACA and the very generous government grants allowing medical practices to switch over to electronic medical record systems much sooner than they otherwise would have. I had to drop my health insurance a few years ago. I chose to drop my coverage so I could keep the 3 people working for me on for some additional time, allowing them to find other jobs -- which they all did, thankfully -- instead of just telling them without warning that I had to start doing all the work myself immediately in order to survive. (I would eventually have had to do both anyway -- let my 3 people go and drop my coverage, but chose to drop the coverage first and give them a heads up to look for other work.)

Anyhow, I am THRILLED with the quotes I've gotten from the Connecticut site (AccessHealthCT.org) and will be posting my results as an OP as soon as I'm 100% verified and my coverage approved. CT also has a new nonprofit healthcare co-op which I'll be choosing as my plan -- even though it's slightly more expensive than Blue Cross or ConnectiCare. I'd rather support the new nonprofit as a first step to universal single payer. Most of the doctors I've transcribed for in the past are in-network, too, which is great.

Maybe you didn't mean your post as I interpreted it, but please don't insinuate that everyone posting a story is some shill. Some of us here have been risking it without health insurance and having to forego doctor visits for a long time and are just really excited and relieved to be able to have some coverage. I'm well aware that health insurance doesn't equal health CARE, but it does provide some safety against ending up bankrupt if the unthinkable happens.

Please don't begrudge us being able to share something good, even GREAT, from our perspective by accusing us of being here to post "infomercials". All you need to do is check my past posts to see that I've been critical of the president on more than one occasion. On this particular subject, my only complaint is that we should have had a public option and should have universal single payer like many other countries.

Like I said, maybe I misinterpreted your comment. If so, my apologies.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Myrina (Reply #16)

Thu Oct 10, 2013, 03:06 PM

22. whatsamatta?

 

you sad that others are happy because of something the President made happen?

awww. You are in for a hard time then.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Myrina (Reply #16)

Fri Oct 11, 2013, 01:34 AM

53. HAHAHA. I know, right?

I can't even believe I'm here singing its praises, as I was a early skeptic. But I'm sold on it now.

I'll try to post screenshots so you can see I'm not bullshitting though. (The HealthCare.gov web-site is down for maintenance right now, so it won't let me back in. But I'll try again tomorrow.)

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Myrina (Reply #16)

Fri Oct 11, 2013, 08:08 PM

68. How's this for an infomercial?

Before ACA I could afford jack shit for health insurance and my provider could kick me off the rip off plan for a pre-existing condition, IF I could even afford it in the first place.

Now, I might just live to be an old man and NOT drop dead of a sudden heart attack like BOTH of my grandfathers.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 01:57 PM

17. It sucks living in a state not fully particiating

I live in Georgia, and the rates being given to me are far higher than those my friends in more forward-thinking states are getting. I am fortunate to get coverage through my employer, but I had hoped I would be able to find something better.

I'm doing my best to educate my friends and coworkers here in Georgia that we CAN DO BETTER if we would just stop electing Teabaggers to run our state.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 02:55 PM

18. is that right?

My husband has me on his insurance now and pays over 320/month with a substantial deduction. He's going to retire next year and I won't have any. He will be able to get Medicare but I'm 5 years younger so I will be needing some. Great news. Do you have your own exchange or went to gov't website? We have no exchanges here because of the criminal Rick Scott.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to florida08 (Reply #18)

Thu Oct 10, 2013, 08:01 PM

42. You get a chance to vote for Charlie Crist or someone else next November. That will change

the dynamics. In addition, vote out republicans in the Florida legislature and senate.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to bluestate10 (Reply #42)

Sat Oct 12, 2013, 04:15 AM

72. I sure hope so

Reply to this post

Back to top Alert abuse Link here Permalink


Response to florida08 (Reply #18)

Fri Oct 11, 2013, 01:32 AM

52. Idaho is running their own exchange, albeit reluctantly.

We still have to use the HealthCare.gov site for open enrollment, which is where I found those plans and those rates.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Reply #52)

Sat Oct 12, 2013, 04:17 AM

73. thanks..maybe down the road we'll get a human being for a gov

Reply to this post

Back to top Alert abuse Link here Permalink


Response to florida08 (Reply #18)

Fri Oct 11, 2013, 01:38 AM

54. ricky claims he's for them in all the news articles, but how convenient the right wing idjits who

control the purse strings in the state didn't take up expanding medicaid in FL before they left for the summer. There's still a small chance he persuades them, but I would fully believe if he does, it's only because he knows he's almost a guaranteed election loser in 2014!


http://www.zazzle.com/shutdown_the_gop_by_voting_in_2014_government-128195183613839642?rf=238107662556833486

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Divine Discontent (Reply #54)

Sat Oct 12, 2013, 04:24 AM

74. that sums it up nicely

He also apologized for the voter purge accident promising it will be better next time. But we do have the best bought state legislature. They look like the House in DC

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 03:02 PM

20. Yeah, I'm finding even without the subsidies many of the plans are decent deals....

The plan I might end up going with a little bit more expensive ($50/mo more) than the individual plan I have now, but it's a much lower deductible, co-pays are a little less and the generic meds are free. Add that into the safeguards about pre-existing conditions that ACA adds and also the fact that if I ever lose my ability to pay, I know I won't be screwed, I say I'd be very upset if ACA gets destroyed some how.

Plus, shouldn't the premiums go down or at least stay in control because everyone has to pay into the system? Seems like a no brainer, and oddly enough it's a pretty free-market solution... The republican just don't like it because it will end up being a good thing and democrats implemented it.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 03:02 PM

21. Fantastic, I am thrilled to read stories like this..just excellent.

Best to you.

K&R

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 04:10 PM

24. shit i want to get rid of my medicare and buy into that system

my medicare and drug plan is around 20%-25% of my social security payment a month. if i want supplemental insurance to go to a platinum level that`s almost another 100 dollars. so if i want full coverage on medicare it would be around 35-40% of my monthly social security payments.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to madrchsod (Reply #24)

Thu Oct 10, 2013, 05:13 PM

37. Rates are heavily dependent on age.

So most younger people will be able to get pretty good deals. Not all, but most.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 04:11 PM

25. yay

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 04:13 PM

26. I hope so. Couldn't happen to a nicer group of vermin

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 04:18 PM

27. Thank you for providing details and congrats

Many of the AHA posts don't include any details, leaving the reader clueless. The Rs could care less about anything but money and the crimes they commit to get it, as do their supporters so, I doubt the current R government shutdown will hurt them at all.

The bigger picture for all corrupt politicians regardless of party affiliation is "austerity measures". They want to steal every last cent they can from every citizen of the world. We live in an era of corruption and for-profit health insurance is just one of the many scams that the U.S. continues to perpetuate despite every other industrialized country doing the opposite. Still, as your post points out, there are some good things about the AHA.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Corruption Inc (Reply #27)

Thu Oct 10, 2013, 04:33 PM

28. In reference to my post (#19 above)

My coverage won't be finalized until I get all the info about my self-employment to them to verify income (and estimated income for 2014), but here are the numbers I was quoted (after the subsidy):

Premium: $85 per month
Co-pays: $0 for preventative visit, $5 for PCP (for injury), $15 for specialist, $75 for ER
Deductible: ZERO (!!!!!)
Maximum Out-of-Pocket Annually: $2,000

This is one of the silver plans. They must all be different from state to state because I only saw bronze, silver, and gold plans to choose from (3 of each level). Nothing called "platinum" as other people are mentioning, though.

As an over-50, self-employed female, this is a lot better than what I'd have to pay for individual coverage without the ACA.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Autumn Colors (Reply #28)

Thu Oct 10, 2013, 05:32 PM

39. Offerings and pricing of plans can also differ by localities within a state. n/t

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Autumn Colors (Reply #28)

Fri Oct 11, 2013, 03:02 AM

55. Wow that is a good deal

I'm glad to see someone post the exact details of a plan.

This is comparable to what we get in South Korea (though I don't know what kind of a cap there is). We generally pay about 5.8% of our income which works out to about $70 a month. The preventative care has be getting better lately as they added teeth scaling (that use to be out of pocket) and a full check-up every two years once you hit 40. I paid about $90 for an ER visit earlier this year that included an x-ray, CAT scan, and blood work (It wasn't serious, just an allergic reaction that made my face swell up like a balloon. Never figured out why. Unfortunately it happened the night before a holiday when the clinics were closed)

This is a vast improvement for the US. I only hope they can find ways to make it better.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 04:39 PM

29. Not to be picky, but don't you mean "Unbelievable subsidies"?

From what I see, insurance companies are cranking up the rates big time -- a huge windfall for them. And they can get away with this because the subsidies are so big.

I am in favor of getting as many people insured as possible, and I an truly glad the net cost is affordable for you.

But we also need to recognize it for what it is -- a windfall for the insurance companies. I guess this is the best we could do, but this is no way to provide health care.

My hope now is that we will get the ~ 25 million people into coverage, and in a position where, as a society, we will never agree to turn back from that. And then we can look at how we can make this affordable, not just on an individual basis, but on a national basis. And the only answer to that, ultimately, is something that is far, far closer to single payer.

I do believe Obama was thinking along those lines when he agreed to go this direction.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to BlueStreak (Reply #29)

Thu Oct 10, 2013, 04:48 PM

31. Not for the new nonprofits that are starting up ....

Some states now have nonprofit healthcare co-ops that are going up against Blue Cross, etc. I know not all states have them, but I hope they put a big dent in the greedy insurance companies' profits.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Autumn Colors (Reply #31)

Thu Oct 10, 2013, 05:03 PM

34. Indeed. There may be more than one way to skin this cat.

(Disclaimer: No actual cats were harmed in the typing of this email. I have 10 cats that tolerate my living in their house.)

And states like Vermont are moving ahead to single payer on their own.

This whole political process is so very distasteful when we have to watch a bunch of bastards getting filthy rich at our expense. But Obama is probably right that we had to take the step that was available to us.

And when you look at the GOP fighting this tooth and nail, it sure ain't because it is hurting the insurance companies today. But maybe some of the few really smart Republicans that are pulling the strings behind the curtain see where this is all heading.

So we have to suck up and make this first step happen and then move on from there.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to BlueStreak (Reply #29)

Fri Oct 11, 2013, 03:15 AM

56. And their profits and administrative costs are capped, so who cares?

If they jack them up and then don't end up spending that on people's health care, they have to send policyholders a check next April.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Recursion (Reply #56)

Fri Oct 11, 2013, 10:30 AM

62. You don't think they have been hard at work bypassing those rules?

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 04:53 PM

32. Same for me. Awesome deal.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 04:54 PM

33. K & R

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 05:06 PM

35. This plan will help so many Americans

No wonder the republicans hate it so much....................

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 05:17 PM

38. I am seeing a pattern here.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 07:33 PM

40. We have a very similar plan to yours NOW -

through my husband's work. We have almost exactly those numbers - $25.00 primary, $50 specialist, $100 ER, $50 specialty drugs, $10 generic drugs.

We pay about $2400/month to cover our family of four - that also includes good vision care, dental care, and some life insurance. We have no requirements like pre-certification - we are almost always able to see doctors we want to see.

I should note that my husband is a co-owner of his company so we pay higher rates to subsidize the staff's premiums for the same plan.

But still.

$85 vs. $2400 - it's a no-brainer as to why the repugs are trying so hard to kill this.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 07:45 PM

41. Platinum

is the plan I'm going with. Coming up on 50 here....

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 08:05 PM

43. Glad to hear it. nt

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 09:01 PM

44. Wait! the Platinum plan without subsidies is $288 a month???

With no deductible and $1500 max out-of-pocket? Are you serious?

Now I wish that my employer would do what he keeps threatening to do and drop health coverage because of Obamacare. It costs me that much right now with a plan that has higher co-pays, a $5000 deductible, and a $10,000 out-of-pocket. And that is just for me, the family expenses are much higher.

Holy shit. If I were a Republican, I would want to squash this too, especially after all the nasty talk about how horrible it is.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Curmudgeoness (Reply #44)

Fri Oct 11, 2013, 01:27 AM

50. I know, I couldn't believe it either.

I just tried to go back in there to take a screenshot since there are a few skeptics in this thread, I wanted to show them proof, but the Healthcare.gov system is down for maintenance right now it appears. (Hopefully they get all the kinks worked out, because its a nice system when its up and working and you can get in.)

I'll try to get back in there tomorrow morning and post screenshots.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Reply #50)

Fri Oct 11, 2013, 06:50 AM

58. just curious

What is your age? Its hard to compare rates when somebody posts them here, without knowing the age of the person covered.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to wercal (Reply #58)

Fri Oct 11, 2013, 06:54 AM

59. 36. (n/t)

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 09:09 PM

45. Very helpful post. Thanks.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Thu Oct 10, 2013, 09:20 PM

46. Mine will be better too. Lower deductible and a lower rate. Just waiting on...

my insurance broker to be issued their ID on ACA. They won't get anything additional from my enrollment, but they are supposed to get a commission on claims. It's worth it to me. They do the work. They provide the knowledge and me with the best options. I don't pay any more either way. That's fair.

S/b in the $300/yr savings, if not more. Depends on which of several alternatives I choose.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Fri Oct 11, 2013, 01:07 AM

48. You must be young, single, low income. It's great for you.

I'm 42, married, one kid going to college, and have a great job that provides awesome health insurance. I'll feel no difference in the wallet. We're on the favored side of the equation. Others will fall through some cracks, especially if their state governments turned down free Medicaid expansion for a few years.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to TransitJohn (Reply #48)

Fri Oct 11, 2013, 01:23 AM

49. Yeah, I'm 36, single, and going back to finish up school after a long hiatus.

I was kind of afraid after hearing how many healthy younger folks are supposedly paying much higher rates to help keep costs down for older, sicker people who need more care, but these rates are very reasonable. Even though I've only been to a primary care doctor once in the past 20 years, I'm still heavily leaning toward signing up for the Platinum plan, partly for the peace of mind, and partly to do my part to help keep costs down for others who need it. The more healthy people who sign up for the Platinum plans, the lower rates will be for everyone. It just seems like the right thing to do. Even though $85/month will be over 10% of my net income, it seems like a good deal. I've never had health insurance before, even when I was working full-time, so just knowing I won't have to declare bankruptcy and wreck my good credit if tragedy strikes really is comforting.

I was an early skeptic of this universal insurance "scheme", but I'm sold on it now.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Fri Oct 11, 2013, 06:56 AM

60. so you have to be broke as fuck for obamacare to work?

 

i'm happy you're getting a great deal. some of us are getting the shaft.

i plugged my info into healthcare.gov and ended up with 6000 deductible and about 200 per month for a bronze plan.

yeah, 200 or so per month for insurance you can't even really use.

what a scam.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to datasuspect (Reply #60)

Fri Oct 11, 2013, 10:33 AM

63. What???? "Can't even use" ????

What in the world are you talking about?

There are many services in every plan that cost you nothing at all out of pocket.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to BlueStreak (Reply #63)

Fri Oct 11, 2013, 06:47 PM

66. I understand what datasuspect means

although I think the tone of the post sucks.

I have a $5000 deductible on my employer furnished insurance, and since I don't have the $5000, I cannot do some of the things that I should do. An example is when I was told that I needed physical therapy for a rotator cuff injury. Although my insurance had a limit of 20 sessions, and they wanted me to have those 20 sessions (2 per week for 10 weeks), the cost to me before my insurance picked anything up was going to be about $300 per session. That would have been more than I brought home every week. For 10 weeks. So I had to live without it.

So yes, there are things that are now affordable with the insurance, or are now free, and it is good to know that if something horrible happened that I would only have a certain amount of liability. But it is not always useable.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Fri Oct 11, 2013, 10:51 AM

64. Yeh, me too. I can afford a platinum plan. And at my age, it's wise to get the best

health insurance possible.

But there are no excuses for the problems many are having logging into this system, and having their identities verified. Private corporations should not have been hired to build the system or verify identities.

Experian is a corrupt republican corporation. Republicans are lying crooks and can never be trusted to do anything except line their own pockets. They are deliberately jamming the system by not verifying identities that can very easily be verified, in order to try to trash the ACA.

What's to stop them from checking voter registrations or other information and refusing to verify the identities of Democrats, blacks, LGBT, or whatever other groups RWers hate?

Having a private corporation involved in a government mandated identity checking process is not an ethically sound practice in any way.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Zorra (Reply #64)

Fri Oct 11, 2013, 11:38 PM

70. I don't disagree.

The problems the web-site is experiencing are inexcusable. They really should have anticipated this much demand.

It's not a bad design when you can actually get in there and compare plans and everything, but yeah, I was a little miffed by the Experian pull as well, even though it was able to verify my identity on the first try, once I finally got that far.

It's unfortunate so many people are still having trouble... hopefully all the kinks will be worked out by December though, so that everyone who wants to can sign up in time for the January 1 roll-out.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Fri Oct 11, 2013, 02:33 PM

65. Happy for you! Day three for me trying to get in.

Day one: couldn't create an account
Day two: used different email (gmail instead of Hotmail), got an account immediately.
didn't know where to click after log in. Kept trying Get Insurance but that just logged me out. Advised
to try again later by online chat.
Day three: Finally tried clicking on our name in upper right. Clicked on profile.
Updated each section: it told me it DIDN'T update, that there was an unspecified error,
but with logout and login, the info was updated..
Except the State. Can't get that updated.

I'll keep trying!
On Edit: everytime I log out, it goes to a Spanish log in page. LOL.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to DebJ (Reply #65)

Fri Oct 11, 2013, 08:00 PM

67. It teased me 3 nights ago

I actually accepted my login for the first time -- I had been trying for a week.

I flew right past the "Go directly to Experian. Do not pass Go."

It let me enter 9 pag4es of data, most of which seemed pointless and redundant.

Then it put me into a loop where the only option was to go back a page. And then it threw away everything I had entered.

And since then, I haven't been able to log in again.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to BlueStreak (Reply #67)

Fri Oct 11, 2013, 11:21 PM

69. Ugh. I'm now at Step 5 Who needs coverage.

DU is keeping me awake while it clocks and clocks and clocks.
Kind of silly to have one question per page and require all that clocking ....
at least seems so to this non-programmer.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to DebJ (Reply #69)

Sat Oct 12, 2013, 07:45 AM

75. Day 5 how discouraging my info on healthcare.gov is lost again.

Spent 24 hours trying to update my state on my profile. Finally took it late last night,
so I stayed up past midnight slowly clocking through pages where they ask one question
per page and it clocks and clocks and clocks.

Was most of the way through when I had to go to bed having already lost 90 minutes of sleep.
Get up this morning..........it's gone.
Back to no state in the profile page.

I'm literally now spending hours every day trying to get through on this.
Becoming very, very discouraging.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Fri Oct 11, 2013, 11:48 PM

71. It is good to hear a success story

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Sun Oct 13, 2013, 01:41 PM

79. Good for you LAGC .....

it's only been 13 days, guys. keep trying, be patient. There are some pretty bright people working very hard to improve processing. this will succeed, it will work and it scares the shit out of the republicans. We'll be hearing a lot more testimonies like LAGC's soon.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to LAGC (Original post)

Mon Oct 14, 2013, 08:28 PM

81. Wow that is cool!

I'll be going with a Platinum plan for $459 a month. I am almost 50 and make $45,000 so no subsidies. But, I'm happy to be able to get a plan with no deductible and better Rx coverage than my current PPO.

Reply to this post

Back to top Alert abuse Link here Permalink

Reply to this thread