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View Diary: Obamacare website glitches still causing heartburn (86 comments)

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  •  Thanks: Waiting since 10/14, need advice... (1+ / 0-)
    Recommended by:
    didaskalos

    We think our four kids qualify for CHIP, which is administered through Medicaid (?) at the County level(?), working from State guidance(?) in North Carolina.

    Healthcare.gov said we'd be hearing from the state directly after I submitted our app successfully on 10/14. Nothing yet.

    Meanwhile the kids are on my wife's plan at her job and I got signed up with an HSA compatible plan through Coventry directly, rather than through the exchange, just under the wire before Christmas.

    I called healthcare.gov right after the New Year, and was told they were making an (appeal, escalation or something?). No answer so far.

    Does this have something to do with NC being a Republican ruled state that officially hates "Obamacare", and refused the Medicaid Expansion?

      Should I give up on healthcare.gov and apply for CHIP directly through our county'sSocial Services office?

    Does anyone see anything else I might be missing?

    •  Sympathies. We have the opposite problem. (1+ / 0-)
      Recommended by:
      Snow Camp

      The system thinks our daughter might qualify for Medicaid and (we found out yesterday) that it won't let us put her on our plan (even without a subsidy) until she gets rejected by Medicaid, and ---

      We don't need to do anything because that's already being handled, though...who knows?

      LG: You know what? You got spunk. MR: Well, Yes... LG: I hate spunk!

      by dinotrac on Mon Feb 03, 2014 at 09:49:21 AM PST

      [ Parent ]

      •  Can your daughter be covered through a work plan? (1+ / 0-)
        Recommended by:
        dinotrac

        Since our kids were already on my wife's plan, we avoided the trap that you're in.

        Or, try calling one of your state's carriers directly.

        •  We're self-employed, which is why we need to (1+ / 0-)
          Recommended by:
          Snow Camp

          buy coverage.  We have applied for coverage for her that is not incredibly expensive, but we should be able to put her on our plan and save a few bucks.

          LG: You know what? You got spunk. MR: Well, Yes... LG: I hate spunk!

          by dinotrac on Mon Feb 03, 2014 at 10:06:40 AM PST

          [ Parent ]

          •  OK... some thoughts... may or may not apply (0+ / 0-)

            I'm self-employed as well, and it would have cost a fortune to go my wife's plan.

            Have you looked into an HSA plan? Health Savings Accounts are tax favored, and work like an IRA. You need a high deductible plan, but since most of the silver and bronze plans have high deductibles anyway, this may not be a deal breaker. HSA plans are not the "use it or lose it"  Flexible Spending Arrangements that people have at work, that start over every year. You can pre-tax your HSA contributions and they stay in your account until spent (tax free if spent on appropriate medical and related expenses).

            Depending on how your business is structured, another thing to look into is an HRA or Health Reimbursement Arrangement.

            In your present situation, it might be worth a phone call to a different carrier from the one you signed with. You can bypass healthcare.gov (and its SNAFU's) and maybe start over with an actual person on the phone who will be wanting to make a sale, and is thus personally motivated to try to help you. It was amazing how easy it was to get enrolled in my case, two months after my Exchange application got hung up in the Medicaid mess.

            I'm speculating here, but it's still open enrollment, so you might be able to switch, just as you could cancel your plan if you got coverage theough a job, or went on Medicare.

            Good luck

    •  Apply for CHIP directly... (0+ / 0-)

      You need to do that anyway. The federal site can only tell you that you need to do it. They can't enroll you. I did this right away in Tennessee when I found out I couldn't enroll my daughter through the exchange. Now she has great healthcare through the state with no premiums!

      Never interrupt your enemy when he is making a mistake.

      by Libertina on Mon Feb 03, 2014 at 01:51:39 PM PST

      [ Parent ]

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