Yippee– I Have Health Insurance!

That’s the only good thing I can think of that has resulted from the Affordable Care Act. I can actually get insurance. A couple of years ago due to my age and physical condition I was denied any type of health insurance. So one would think I would be jumping for joy because the law states now that I cannot be denied.

However, taking on Covered California’s system to get insurance through the ‘Exchange’ is like working with a robot with short circuit issues. I’m inclined to feel the whole operation is run by severely brain damaged individuals from the asylum we call our state capitol. They have a Facebook page where they answer questions from frustrated citizens trying to get help –or even basic information from Covered California:  https://www.facebook.com/CoveredCA .  Reading the questions and complaints from others who have tried to use the system gives me a headache! One such repeated comment is the long hold times when you try to call –just to discover you may get cut off after an hour or two. CoveredCA’s response… “We get thousands of calls every hour.”  Well why do you suppose that is? Could it be the system is so screwed up and confusing that people are calling for help who shouldn’t have to? If the system was as great as they claim, this would not be happening and actually, CoveredCA shouldn’t even need a Facebook page.

First of all I’d like to talk about the Exchange where one is given to believe there would be choices of insurance companies. Where I live we have the following choices:  Blue Cross or Blue Cross (Blue Shield or Anthem respectively). Some choice. There are four plan options available says CoveredCA: “You can choose to pay a higher monthly premium for a Platinum or Gold plan so that when you need medical coverage you pay less. Or you can choose to pay a lower monthly premium for a Silver or Bronze plan, but when you need medical coverage, you pay more. It’s up to you.” Well is it really up to me?  My income is limited, so like most of the athletes from the US that metaled in the recent Olympics in Sochi, Russia, I should probably settle for Bronze if I could.  However, after comparing plans and knowing that I have to see a physician and have tests rather frequently, it didn’t make sense to have a plan with a ridiculously a high deductible and co-pay amounts, that covered very little, just to say I’d met the letter of the new law that says I have to purchase insurance. So, I chose the ‘recommended’ choice: Silver. Because of my age the monthly premium is a whopping $600+ per month. Because of our household income, we qualify for a subsidy that reduces our monthly payment to a $256 per month or roughly about the same as a car payment would be for moderately priced car. Makes me wonder if anybody in my age and income brackets actually chooses Gold or Platinum… Really why do they even offer such an incredibly expensive option. Oh that’s right —so they can say there are actually options available in the Exchange.  I’d love to see a break down after a year or so to see what people actually chose… Don’t think that’ll happen.

I would like to note that CoveredCA sent me a letter after I enrolled stating I did not qualify for the “enhanced” Silver plan due to our income. First of all, I have no idea what the difference is between the enhanced version of the plan I got other than it is apparently better than what I got and I can’t have it. Gee thanks for the heads up. Does me a world of good to know that!

OK… So my husband (who gets insurance through his employer that is super crappy but free) and I bit the bullet and took on the monthly expense of my insurance because I am the one with the health issues, I’m older… and well it’s the law. We diligently paid the premium monthly since January. Moving smoothly along… until I get a notice in the mail from Blue Cross Blue Shield stating my policy is being cancelled for nonpayment of premium. WTF!  It turns out that I paid the premium through my online bill payment system  through my bank (like I do all my other bills) and BCBS (emphasis on BS) does not like this. What company in the world does not like to get payments directly from a bank?! Anyway, they said they received it on time when it was due but returned it to my bank on the 4th. (That was 20 days ago mind you and the next payment is due in only a few days.) They prefer that I pay my bill using their online system on their website, send a personal check via snail mail or agree to automatic deductions from my bank account (that is going to happen not EVER).

I looked on my bank account statement online and could find no evidence that the funds were returned to me. I verified this with both my bank representative and one from the bill pay system. I called BCBS back –their hold times are at least as long as CoveredCA’s. The representative who I finally talked to after another 45 minutes on hold told me he couldn’t find any evidence that I’d paid. I told him it showed on my statement that I did and the last BCBS rep I talked to verified it and told me it was returned to my bank. He hung up.

So, my bank is going to send me a form to sign that will get me reimbursed for my loss. The catch(es): 1/ it will take two weeks to process, and 2/I will never be able to pay BCBS through the bank again. I asked the bank rep if this meant just the bill pay system or did it also apply to writing a check or using my debit card on their site. He didn’t know. Jeesh…

I feel like every place I’ve turned regarding this new health insurance policy I have has lead me to nothing but incompetent crazies! Very tempting to just let the damned thing get cancelled and pay the tax fine.

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2 responses to “Yippee– I Have Health Insurance!

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