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View Diary: First use of my new ACA Insurance Policy (19 comments)

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  •  I'm in the same leaking boat... (2+ / 0-)
    Recommended by:
    GussieFN, worldlotus

    …and also in California. After 80-some hours of phonecalls, messages to my insurer and with CoCal I was told I qualify for subsidized premiums, I've paid for those subsidized premiums, yet my insurer's now sending me paper statements for non-subsidized amounts.

    They're also sending me letters threatening to cancel my as-yet non-existing insurance, but haven't actually charged my credit card, although they've emailed me payment confirmation twice. I've send 35 messages to my insurer and have received one non-responsive robo-answer in reply. (And YES, I've called both the insurer and cocal, who each assured me that my subsidies were set, everything's fine--except it isn't, and I'm now uninsured for the first time in 20 years.)

    Given that I'm relocating to another state in a couple months, I'll just do my best to not get sick or have an accident till then. Meanwhile, I've got an inch-thick manila folder of screencaps, emails, and written correspondence delineating every step of this clusterfuck of a process.

    •  I swear that was my experience (except (4+ / 0-)
      Recommended by:
      Willa Rogers, Fonsia, Cardinal Fang, myboo

      only at 8 hours, not 80) until I just talked to a woman who was like magic. Anthem, it turns out, was basically fucking with me. I used to self-insure with them. So they just kinda wanted the $750/month. They sent me a letter telling me to pay them.

      But this woman cut through the crap. I had to wait on hold for 2 hours, but it was worth it.

      It wasn't the main number, that recommends you call one of two other numbers that tell you to call this main number. This was something else. I'm trying to find the one I called. Possibly 877-453-9198? Or 800 752-6631?

      "Gussie, a glutton for punishment, stared at himself in the mirror."

      by GussieFN on Fri Jan 03, 2014 at 04:35:17 PM PST

      [ Parent ]

      •  Thanks! (1+ / 0-)
        Recommended by:
        GussieFN

        Inspired by your newfound success, I called 800-300-1506, at which time I got a recording telling me to call 800-752-6631 or 800-675-2607 before being disconnected.

        When I called 6631, I got THE SAME MESSAGE, TELLING ME TO CALL THE NUMBER I'D JUST CALLED, before being disconnected. Same with the 2607 number.

        Off to try to 9198 number… wish me luck!

      •  Just tried 9198... (1+ / 0-)
        Recommended by:
        GussieFN

        …AND GOT THE SAME DAMN MESSAGE before being disconnected.

        I'm frustrated beyond tears at what I've gone through only to wind up uninsured at an age where I can least afford to be.

        •  That happened to me with (1+ / 0-)
          Recommended by:
          Willa Rogers

          three numbers, and it made me completely berserk. I'll dig around the website and try to find you the Secret Good Number.

          I'm so sorry to hear you're still trapped in the hassle.

          "Gussie, a glutton for punishment, stared at himself in the mirror."

          by GussieFN on Fri Jan 03, 2014 at 05:23:50 PM PST

          [ Parent ]

          •  Thanks! (2+ / 0-)
            Recommended by:
            GussieFN, worldlotus

            I just had a mental image of a black market for working numbers for Covered Ca: "Pssst, lady: You wanna buy a direct line to a live person? $50, all-cash."

            I think I'd jump at the offer to pay for that number at this point. And I'm healthy, knock on wood; I shudder to think of how those people with less time or more pressing medical concerns are dealing with these clusterfucks.

            •  Yeah. For about an hour today, (0+ / 0-)

              I found myself reconsidering Romney-Ryan. The government is the problem! Ronaldus Maximus! I'm Going Galt!

              "Gussie, a glutton for punishment, stared at himself in the mirror."

              by GussieFN on Fri Jan 03, 2014 at 05:38:48 PM PST

              [ Parent ]

              •  My one fervent wish.. (0+ / 0-)

                …was that insurers would now become as responsive to citizens' needs as government, given their $1 trillion goldmine of taxpayer subsidies, but my experiences to date with CoveredCa have been the opposite: It's now "easier" to get hold of a live person at Anthem than at CoveredCa.

      •  I think the insurance companies believed all (3+ / 0-)
        Recommended by:
        gmats, myboo, Willa Rogers

        the right-wing crap about how heathcare.gov would never fly and didn't bother to rev up for a flood of applications.

        I went to healthcare.gov and did my own research on the available plans....coverage, deductibles and max out of pocket, available subsidies at my income level, etc.  (Letting us see the plans BEFORE we applied was the best fix HG.gov made.)  On Dec. 16, I called in, talked to a very nice person, and because I knew exactly what plan I wanted, went through the whole application in twenty minutes. She told me to give BCBS a few days, then call to confirm that they had my app and was insured.

        Roger, wilco.

        On the 19th, I called BCBS of Texas. Their computer informed me there  would be a "60 minute" wait time.  I called again on the 21st. Still 60 minutes.

        To hell with that. I wrote a letter and sent it on the 23rd, thinking at that time that this was still the deadline,  explaining that I'd signed up for their ACA Silver HMO 004 plan on the 16th, that'd I'd twice tried to contact them to make the switch, that I had not been able to get through, but that I was sending them the first premium payment. The letter was headed, in 16 pt bold: "Transfer of insurance coverage from BCBS Select Saver Plan to ACA BCBS Advantage Silver HMO 004 as of 1/1/2014."

        I sent it, and the check, via registered mail with a signature confirmation.

        A week ago, I received a short letter and photocopied pages, right off the HG.gov webpage, LOL!, explaining the details of my coverage and informing me that I was enrolled.  Today, I received that oh-so-important white card with blue lettering to keep in my wallet.

        So now, if I get stabbed in a bar fight or attacked by rabid wolves--or just trip over my dog and break a leg-- the ambulance guys will know that I have insurance....and they won't dump me at the nearest over-crowded emergency room or demand to see two credit cards before transport.

        My premium? Less than a quarter of what I was paying before.

        Freedom has two enemies: Those who want to control everyone around them...and those who feel no need to control themselves.

        by Sirenus on Fri Jan 03, 2014 at 07:47:24 PM PST

        [ Parent ]

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