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My expectation on the first release of a new system is low, as I have been doing computer engineering work for 30+ years. But I tried on day 1 just the same. I went to healthcare.gov and was guided to nystateofhealth.ny.gov. Day 1 was a flop. I got as far as putting my address in and hit a problem. The code brings up a list of counties and cities based on the zip code, but did not appear to recognize my zip. That presented a wall for me.

So, I tried again today. The bug has been fixed, and I was able to complete the login. After filling in a few pages of personal information for myself and my wife, I was presented with 60 health insurance selections. For myself alone, rates ranged from  $317 to $620 per month for Bronze through Gold plans. I compared a few details. Not ready to select as yet, but it seems to work.

A couple more issues still to be fixed. They have a space where they can filter the plan choices based on your doctor and your local medical center, but they don't work. You need to check on the insurer's site to confirm if your own doctor and hospital are in-plan. I assume that could eliminate some of the 60 plans I was offered. I'll give them a couple more weeks and see if that gets fixed, but I could move forward right now without it.

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Comment Preferences

  •  Tip Jar (12+ / 0-)

    "Jesus don't like killing, no matter what the reasons for." - John Prine

    by JoeEngineer on Fri Oct 18, 2013 at 10:01:40 AM PDT

  •  Are you running IE? (1+ / 0-)
    Recommended by:
    weck

    I can't access much of anything using Ubuntu.

    "George RR Martin is not your bitch" ~~ Neil Gaiman

    by tardis10 on Fri Oct 18, 2013 at 10:08:42 AM PDT

  •  Before you select an exchange plan in NYC (3+ / 0-)
    Recommended by:
    JoeEngineer, pvasileff, weck

    Check this out: Some NY Hospitals Opting Out of Health Exchange Plans

    And also carefully look at the plan on the insurers website to see potential pitfalls. For example, United Health Care is one of only three Health Exchange insurers that are currently in-network for New York Presbyterian Hospital. Looking at United's website for the coverage details for New York Presbyterian Hospital - Cornell:

    Facility Based Specialties    *In-Network
    Anesthesiology    Yes
    Radiology    Yes
    Pathology    No
    Emergency Medicine    Yes
    * "Yes" response is not a guarantee that all Facility Based Physicians participate.
    [emphasis added]

    Guess one's supposed to bring along a takeout container and jug of rubbing alcohol to preserve the specimen for an in-network pathologist?

    Remind me again why we don't have single payer.

  •  I contacted two of the three available insurers (1+ / 0-)
    Recommended by:
    JoeEngineer

    in my part of NY,  all my  doctors were in both plans except for my chiro, but none of the plans treat chiros as primary care physicians, listing them separately and charging a lot more to use a DC than MD.  

    I also learned that there were multiple listings of the same plans, different by only a few dollars.  One company explained that the slightly higher cost ones were available without going through the exchange, and they should not have been listed on the site.  They said to choose the lowest cost plan of the same name and level to participate through the exchange.  NYS put everything on the site, and now it shows multiples.

    The folks at the insurance companies were easy to talk to.  They will give you their list of in network doctors and also send you to their "Formulary" site so you can check your medications against the price list.

    I found no difference in the "levels" of my meds, but my charge for a months supply did go down as I went up through the plan levels.

    Not only will I be saving on the policy, but I will also be saving a ton of money on meds; my current policy bills it separately and it is nearly three times as much as a three months supply currently costs me.  

    Altogether, I expect to save over $1000 a year, and still have an excellent plan.  I signed up this morning!

    If love could have saved you, you would have lived forever. & http://www.dailykos.com/blog/Okiciyap

    by weck on Fri Oct 18, 2013 at 12:13:30 PM PDT

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