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Did you buy health insurance through healthcare.gov?
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Posted 4/26/14
I have coverage through my employer. I was glad not to have to go through the healthcare.gov system.
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27 / M / Arkansas, USA.
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Posted 4/26/14

ghostlyangel wrote:

I have coverage through my employer. I was glad not to have to go through the healthcare.gov system.


It would be best if more employers offered insurance that would make things a lot easier. I'm looking enough to have insurance through my employer too and I feel for people who have to deal with the bureaucracy of public programs.

This is all surprising because I'm liberal and was in favor of a single payer system but I'm not so sure any more.

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Posted 4/26/14

MatthewKG wrote:


ghostlyangel wrote:

I have coverage through my employer. I was glad not to have to go through the healthcare.gov system.


It would be best if more employers offered insurance that would make things a lot easier. I'm looking enough to have insurance through my employer too and I feel for people who have to deal with the bureaucracy of public programs.

This is all surprising because I'm liberal and was in favor of a single payer system but I'm not so sure any more.



I'd be more for a single payer system if I could trust the government more. Though I am still for improving our health care system overall.
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34 / F / Buried under a pi...
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Posted 4/26/14
I did get health insurance through my state's website. My boss won't provide health care for me, so I don't have a choice if I want healthcare. Not that I have used it, but if the worst happens, I'd like to be able to somewhat afford any health care costs.
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27 / M / Arkansas, USA.
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Posted 4/26/14 , edited 4/26/14

Art-chan wrote:

I did get health insurance through my state's website. My boss won't provide health care for me, so I don't have a choice if I want healthcare. Not that I have used it, but if the worst happens, I'd like to be able to somewhat afford any health care costs.


This seems to be the most common sentiment that I come across. Most people are getting the insurance and probably won't use it for much beside prescriptions but it is nice to have just in case.
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Posted 4/26/14 , edited 4/26/14
I used Covered California to sign myself up even though I was already paying for another insurance. I wanted to compare prices and saw that they had a system to do that between companies. I liked what I saw and switched. I hadn't had any difficulties with it.

I didn't know how badly I had it with my original insurance company. Basically I was paying a 40$ copay and almost everything on my services after + high monthly premium. I thought it was just useful having around in case I get in some sort of big accident that would require thousands USD. Actually happened when I fell from the roof one time and I didn't buy insurance when I was younger and in college. I had a lot of debt to pay. Funny is after I bought insurance, I've never had to use it for anything big again.

After the switch I now pay for a cheaper premium, a smaller deductible goal, and a flat co-pay of 15$ for normal visits and 35$ for bigger hospital visits. I don't use medication but my research on that shows me that the coverage is meh.

What I have learned is that the physicians under contract with my new insurance are getting a lot less money than they did with my old (since I forked up most of the cash). I do feel bad and feel like they may like me less than they did before.


My Barber also used the website to sign up for his insurance. I'm not sure what plan he got, but he's very happy about it. He's been struggling with finance since the divorce with his wife, his new shop and being a single father to two very young daughters. So I guess to us less well off folks, the new healthcare system is a bit of a boon.

A Salon owner my ex-girlfriend went to was NOT happy. He had to pay upwards of 800$ usd+ extra for his and his wife's premium. They curse Obama whenever his name comes up lol.
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27 / M / Arkansas, USA.
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Posted 4/27/14

essex1 wrote:

I used Covered California to sign myself up even though I was already paying for another insurance.



Covered California is one of the state run sites that worked like it was suppose to. I live and work in Little Rock, AR and we decided to only make a state run site for people eligible for the medicaid expansion and everyone else went through healthcare.gov. The lack of uniformity is what's causing the main problems for us.
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Posted 4/27/14

MatthewKG wrote:It would be nice if everyone would use a centralized system like the military. Somedays it's like the Insurance Exchange doesn't even know what their own records say.


Yes, that way the government can pry even more into my life and if I don't like it, they can just deny coverage. ¬_¬

I was loathe to sign up but tried. It was slow and clunky and since I've been ill quite often, too much of a headache to work through (I forget, does that count as irony?). I'll resist the urge to editorialize on the entirety of this mess and focus on the question. The estimation tool told me the cheapest plan I could score was going to be $200 or so dollars a month. I have been unemployed and looking for work since 2011 and with no real source of income (I earned about $600 last year through miscellaneous things); if I do find work and my family continues to help me (if you were wondering why I have food, shelter ,and internet access) I still have student loan debt on top of it all. So... $200 is a bit out of my price range.

My motivation significantly decreased as I read that. Lest it be assumed as another glitch, I've had at least one friend with a similar background and the same problem (except he just finished grad school, so even more debt).
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29 / M / The Milky Way Galaxy
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Posted 4/27/14 , edited 4/27/14
Ohioan here so it was a FFM. My experience was terrible. I am unemployed and didn't have to pay taxes this year due to my lack of income last year, so I guess I was exempt from the penalty. I didn't want insurance in the first place because I am unable to afford any at this point. Getting it figured out and what to do though was an absolute horrifying experience.

Knowing it's our government and how little assistance I got the entire time, it was just beyond saddening. Who do I turn to when our government is faltering when it shouldn't be? I ended up (hopefully) getting it all figured out, but it took ....time to say the very least.

The latest WTF was calling them to confirm my exemption documents arrived there (UPS said it was signed for and received) and the lady went on to tell me I didn't need to fill those out though another one did. Then she proceeded to try and talk me into filing for some other stuff and I was just baffled. My case is quite simple.

No job = no insurance due to lack of income. Not being required to file fed. taxes made me exempt, but the process to get through it was everything but simple.

The worst was being told by an automated machine (after several minutes of getting through other automated sections) that they can't take any calls right now due to such a high volume. No hold. No nothing. Just "click" you're done. Try your luck again later.

That seems to be a slogan for our country anymore. "Try your luck again later.."

But I'm hopeful for our country as well. Continuing to legalize same-sex marriages, cannabis, increasing minimum wage, our science programs,...etc. Those are going strong and/or at least gaining tons of momentum that should help thrust this country into the next big phase.
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27 / M / Arkansas, USA.
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Posted 4/27/14

CavFanatic88 wrote:

The latest WTF was calling them to confirm my exemption documents arrived there (UPS said it was signed for and received) and the lady went on to tell me I didn't need to fill those out though another one did. Then she proceeded to try and talk me into filing for some other stuff and I was just baffled. My case is quite simple.

.


I have experienced this a lot too. I have called the FFM on some of our member's behalf several times and it seems that you call five times and get five different answers. It's like they don't even know what the ACA says and their own procedures.
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Posted 4/27/14
I've got a plan through work but I checked out healthcare.gov too and the plans available seemed pretty reasonable to me. If it would've been possible to have my employer add to my paycheck the amount they pay for my insurance I would've gone with the healthcare.gov plan and made money.....

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30 / F / Georgia
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Posted 4/27/14
Nope, covered through my job
37164 cr points
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Posted 4/27/14
No, I will get health insurance through my employer next year but decided to take the fine this year. Cheaper that way, as long as I stay healthy.
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27 / M / Louisville, KY
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Posted 4/27/14 , edited 4/27/14

ghostlyangel wrote:
I'd be more for a single payer system if I could trust the government more. Though I am still for improving our health care system overall.


The insurance is not the problem with the healthcare system, the problem Obama should have focused on is why the heck does it cost $6,000 for a single X-Ray? If you're on the most basic plan then most likely your entire yearly allowance is gone with a single X-Ray like that.

Edit: Basically, the prices for healthcare itself, not insurance should have been looked into. Why can Hospital A charge $6,000 for an X-Ray and Hospital B charge $2,000 for the same X-Ray? I know it's an expensive machine, but it does not cost them $2,000 yet alone $6,000 for a single use.

TL;DR Version: Leave insurance alone and focus on the ridiculous healthcare prices instead.
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