My Experience With ObamaCare: Insane!Submitted by R_Michael on Tue, 12/31/2013 - 17:59
I am self employed. I own a small (very small) contracting company. I have one employee - ME. I had health insurance. It was expensive and not too great, but I HAD health insurance. In October I was alerted by my insurance provider that my policy would end today, 12/31/2013. Why? Because it did not meet the standards of the new healthcare law.
Having children and a wife which I provide for (and legal obligations concerning health coverage for an adopted daughter)I felt I had little choice but to try and secure coverage at an affordable rate through the governments website.
After many attempts, and finally a call to the 800#, I was able to complete the application process (it took weeks). I was told that I had to submit payment for the first months premium by Jan 1 for the policy to be activated. I was also told to contact the insurance company to arrange payment. The insurance carrier is Anthem Blue Cross Blue Shield. So I contacted them by phone on Dec 16. The person confirmed they did have my application and asked how I would like to pay. I chose to pay through electronic withdrawal. She took the information and I was sent a confirmation Email stating that my "payment had been submitted" and that I would be receiving plan information and insurance cards soon.
Fast forward to yesterday, having received nothing, I checked my bank account and found that no funds were taken.. and when I tried to call the insurance company, I simply sat on hold for 45 min yesterday, and an hour today. Finally I called back, only this time pressing the keys that one would hit if they were already a policy holder needing to verify coverage. Someone picked up immediately. I explained my dilemma, and she informed me that payments for policy applications under the Affordable Care Act could only be accepted in paper form, a check or money order mailed through the post office. I asked, "So why was I not told this? And why was I sent a confirmation Email saying payment had been submitted?" she replied, "I don't know."
I informed her that I had no idea how much to send since even while thinking I was making a payment by phone, I was told the quote I was given was only an estimate, and that final amount withdrawn maybe slightly different. She said I would need to go to the applicant option through the carriers 800# to discover how much to make the check out for, the very place I had languished on hold for nearly two hours in the last two days! She did give me an address to mail a check too and said I had till Jan 10.
In short, someone is screwing us, and I think that someone is not only the government, but the insurance companies playing loop holes like a rodeo cowboy!