OK

This is only a Preview!

You must Publish this diary to make this visible to the public,
or click 'Edit Diary' to make further changes first.

Posting a Diary Entry

Daily Kos welcomes blog articles from readers, known as diaries. The Intro section to a diary should be about three paragraphs long, and is required. The body section is optional, as is the poll, which can have 1 to 15 choices. Descriptive tags are also required to help others find your diary by subject; please don't use "cute" tags.

When you're ready, scroll down below the tags and click Save & Preview. You can edit your diary after it's published by clicking Edit Diary. Polls cannot be edited once they are published.

If this is your first time creating a Diary since the Ajax upgrade, before you enter any text below, please press Ctrl-F5 and then hold down the Shift Key and press your browser's Reload button to refresh its cache with the new script files.

ATTENTION: READ THE RULES.

  1. One diary daily maximum.
  2. Substantive diaries only. If you don't have at least three solid, original paragraphs, you should probably post a comment in an Open Thread.
  3. No repetitive diaries. Take a moment to ensure your topic hasn't been blogged (you can search for Stories and Diaries that already cover this topic), though fresh original analysis is always welcome.
  4. Use the "Body" textbox if your diary entry is longer than three paragraphs.
  5. Any images in your posts must be hosted by an approved image hosting service (one of: imageshack.us, photobucket.com, flickr.com, smugmug.com, allyoucanupload.com, picturetrail.com, mac.com, webshots.com, editgrid.com).
  6. Copying and pasting entire copyrighted works is prohibited. If you do quote something, keep it brief, always provide a link to the original source, and use the <blockquote> tags to clearly identify the quoted material. Violating this rule is grounds for immediate banning.
  7. Be civil. Do not "call out" other users by name in diary titles. Do not use profanity in diary titles. Don't write diaries whose main purpose is to deliberately inflame.
For the complete list of DailyKos diary guidelines, please click here.

Please begin with an informative title:

I spent the last three days exploring our options regarding the ACA and Colorado's healthcare website they call Connect for Health Colorado (link here) and overall I give the experience a "B" closing to an "A".

At the beginning it was no big deal, got on but then had to go through what took about five F#@%~!&G hours to complete the Medicaid part of the application. The problem I see and if any Fed or CO or other state is listening a small piece of advice is provide an checklist of required documentation a submitter will need up front. It is what Turbo Tax does and what the GOP fail to understand this is not Amazon or EBay where one has a simple ecommerce transaction for one item. This is a big deal worth thousand$ of dollar$ and also could help or adversely affect your health and treatment. So essentially those who are applying are also applying for Medicaid to see if they qualify.

Now it gets more complicated with family members who are adults living under the household and either are or are not tax dependents, whether they have their own insurance or not, whether you have employer health care insurance or not, income, assets, education et cetera.

I can see why some Red states are really mad in that the Feds are going to sweep a lot of Medicaid eligible people into the system, their system, where they have not been helping citizens get the benefits they need.

In the end when I finally completed the Medicaid application we were denied...of course...but since we have a 25 year daughter living under our roof and on my wife's employer plan (until next October), where she has had a series of part time employment without any plan offered and is juvenile diabetic, and will complete her education with one last class next spring, she might do well to re apply. By the way if we discarded our employer plan for one in the exchange our daughter would have to apply for herself in that she is not a dependent on our taxes.

Now once I finished this it said to call the 800# and I got a very nice woman who pulled up the application and we went through it. It was one of her first experiences with a family with a employer paid plan seeking to look at the options so we went through and found that our income was in the range (unfortunately) to qualify for maximum tax credit to pay for premiums if we decided to go into the exchange BUT....there were issues.

Our daughter would have to apply on her own and because her birthday is in October they advised she apply before March 15th. Even though she has prospects and skills, odds are her employment will remain inconsistent.

Our son who is graduating this December will remain a dependent for 2013 but once or if he lands a job he will also have to apply on his own. But the biggest deal was whether my wife's single health care contribution from her employer was 9.5% or greater of her gross income. (We checked and it is not, so we are not eligible for tax credit). We found this out when a CO Agent called back and I inquired and she said that her best advice is to do nothing even though her employer is a school district that has risen premiums, deductibles, co pays, lowered service delivery over the last five years. (It used to be that when you worked at the government was the deal in part was you got paid less, but had great benefits, now it is get paid less, and benefits are diminishing.)

But if something changes we could get a Silver Kaiser plan for $3.94 a month. Then I asked what happens when my employer whom I am on a annual contract with will have to offer me health insurance in July 2014 (as I was notified) and what if their contribution rate is expected to be more than 9.5% of my compensation, then what? She said then because this would be considered an employment change, and you are being offered benefits you would be eligible for tax credit and then get insurance for yourself (and any dependents) through the exchange, but my wife would have to remain under her plan if her costs remain the same. Our family contribution coverage rate is double the employee rate.  We could then save some money with the exchange.

Thank you I said this has been quite informative.

BTW after every session with a live person or on the website they send an email and wonder if you were satisfied with the experience.

Now there are fourteen states who made their own system and are serving their citizens. Not sure what the other 36 states are doing. But I will tell you that this is complicated decision process, with moving parts because of life and employers.

Intro

You must enter an Intro for your Diary Entry between 300 and 1150 characters long (that's approximately 50-175 words without any html or formatting markup).

Extended (Optional)

Originally posted to RWN on Fri Oct 25, 2013 at 03:19 PM PDT.

Also republished by Colorado COmmunity.

EMAIL TO A FRIEND X
Your Email has been sent.