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Today was the first time I used my new insurance policy I got through

It is the same company - BlueCross, but with lower everything.

Picked up two prescriptions, was $120 - now $30.

So, yes, I am happy with the ACA.

Please share your stories.

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Comment Preferences

  •  At the moment, my story is rage. (4+ / 0-)
    Recommended by:
    radarlady, Sylv, TJ, Willa Rogers

    I'd been thrilled to discover that I got better insurance for like $50/month, instead of $500/month. Yay!

    I just got my first bill. $750/month.

    So I spend 45 minutes waiting on the chat line at the CA website. When it was my turn, finally, it said, 'Sorry, no agents are available.'

    So I called. It says I should try the website, or call. The number it gave me was the one I was currently connected to.

    Oy vey.

    So I'm trying to figure what happens if we just free ride the system. The penalty is some percentage of income?

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

    by GussieFN on Fri Jan 03, 2014 at 02:38:46 PM PST

    •  You can't free ride the system... (1+ / 0-)
      Recommended by:

      not easily, anyway. If you're uninsured and you get sick in, say, April, you'll have to wait another 8 months before you can become insured again in January '15. One's health, when critically sick or injured, can deteriorate quite a lot over 8 months. I, for one, wouldn't risk it.

      Having said that, sorry you're having problems. And I hope you're able to get through to an exchange rep soon. Might be an easy fix, actually, though who knows?

      •  I know! And it was totally an easy fix. (6+ / 0-)

        I got the right woman on the phone, she fixed everything like magic. I love her.

        I'm also paying--somehow--$15/month for insurance now.

        It's been a roller coaster!

        (So if you get sick when you're not covered, what happens? People can still go bankrupt from medical bills if they free ride?)

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

        by GussieFN on Fri Jan 03, 2014 at 04:27:43 PM PST

        [ Parent ]

        •  So happy for you! (2+ / 0-)
          Recommended by:
          GussieFN, True North

          $15 a month is beyond awesome.

          Yeah, people can still go bankrupt. As for what happens, I believe it would be the same coverage option as always: Hit the emergency room when you notice something strange, or pay out of pocket for a visit to the doctor or an urgent care clinic. We've got to reach folks so that they don't need to resort to those options.

          •  There are also Community Health (0+ / 0-)

            Centers, another 1200 of them coming on line thanks to the ACA for excellent primary care. You have your own provider/doctor/nurse practitioner.

            If you need a specialist they will help you get one but that will likely cost.

            I'm asking you to believe. Not in my ability to bring about real change in Washington ... *I'm asking you to believe in yours.* Barack Obama

            by samddobermann on Sat Jan 04, 2014 at 01:12:57 PM PST

            [ Parent ]

    •  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:

          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:

          …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 would never fly and didn't bother to rev up for a flood of applications.

          I went to 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 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 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 ]

    •  Send them $50. With a copy of the page off the ACA (0+ / 0-)

      Plan site that shows your premium should be $50.  Tell that that you have tried to contact them a number of times and could not get through. (List dates and times.) Send it registered mail with a signature confirmation.

      That way, they can't say that you never paid the premium.

      Meanwhile, keep trying to get through. Document everything.

      See my post below.  

      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 07:53:17 PM PST

      [ Parent ]

  •  People who did not have insurance last year (3+ / 0-)
    Recommended by:
    radarlady, Sylv, FloridaSNMOM

    have a few hoops to jump through before they can actually use their new insurance.

  •  If the bill came from an insurance co, (1+ / 0-)
    Recommended by:

    call the company, not the CA web site.

    You could also try a short letter.  I f nothing else, that would register the fact that you got a bill you believe is incorrect.

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