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Thu Mar 27, 2014, 09:30 AM

45 minutes to open my ACA account, select a plan, and finalize the transaction.

The website worked like a breeze for me yesterday so that was a surprise given everything I read.

I was going to wait until open enrollment comes around again in November since I am insured, but when I checked the plans I'd be saving close to $200 per month (!) if I switched from my current plan (I'm self-employed, no employer offers a plan) to a new ACA plan. I was even able to add a dental plan, and STILL save around $200 per month. Whoa.

I chose one of the Silver plans that is head and shoulders above the plan I had. So I'm saving money AND getting a better plan.

Whew, glad that's done. Learned a lot here at DU about how the plans worked and that helped me so much when looking over the plans. Thanks!

43 replies, 4086 views

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Reply 45 minutes to open my ACA account, select a plan, and finalize the transaction. (Original post)
Lex Mar 2014 OP
PoliticAverse Mar 2014 #1
Lex Mar 2014 #3
PoliticAverse Mar 2014 #4
Lex Mar 2014 #6
MineralMan Mar 2014 #8
Nye Bevan Mar 2014 #24
Lex Mar 2014 #29
Nye Bevan Mar 2014 #31
Marrah_G Mar 2014 #2
Lex Mar 2014 #5
newdemocrat999 Mar 2014 #42
MineralMan Mar 2014 #7
Hassin Bin Sober Mar 2014 #9
Lex Mar 2014 #11
KittyWampus Mar 2014 #10
MANative Mar 2014 #12
riqster Mar 2014 #13
Iliyah Mar 2014 #14
Garion_55 Mar 2014 #15
Lex Mar 2014 #16
No Vested Interest Mar 2014 #19
Post removed Mar 2014 #17
drm604 Mar 2014 #20
Lex Mar 2014 #22
Arugula Latte Mar 2014 #30
polichick Mar 2014 #18
Lex Mar 2014 #23
polichick Mar 2014 #25
okaawhatever Mar 2014 #21
Tarheel_Dem Mar 2014 #26
CottonBear Mar 2014 #27
Tarheel_Dem Mar 2014 #34
CottonBear Mar 2014 #38
Tarheel_Dem Mar 2014 #39
CottonBear Mar 2014 #41
Tarheel_Dem Mar 2014 #43
Lex Mar 2014 #28
Tarheel_Dem Mar 2014 #35
Lex Mar 2014 #36
Tarheel_Dem Mar 2014 #37
bvar22 Mar 2014 #32
Lex Mar 2014 #33
pnwmom Mar 2014 #40

Response to Lex (Original post)

Thu Mar 27, 2014, 09:35 AM

1. Make sure you check the doctors and hospitals that are included in the new plan.

Is your current Doctor included? If not make sure you can find a doctor that is actually
accepting new patients under the plan.

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Response to PoliticAverse (Reply #1)

Thu Mar 27, 2014, 09:44 AM

3. I made sure my BP med is covered and my doc accepts the plan of course.

Easy to look up on the site while choosing a plan.


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Response to Lex (Reply #3)

Thu Mar 27, 2014, 09:45 AM

4. Excellent. n/t

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Response to PoliticAverse (Reply #4)

Thu Mar 27, 2014, 09:47 AM

6. I also called my existing insurance about how

to properly cancel their policy once my ACA policy takes effect in May. I didn't want to just stop paying, but go through the proper steps to cancel it.

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Response to Lex (Reply #6)

Thu Mar 27, 2014, 09:48 AM

8. That's a wise thing to do.

My wife had to fax them a letter to officially cancel the policy as of the date her new policy kicked in.

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Response to Lex (Reply #3)

Thu Mar 27, 2014, 01:31 PM

24. How about your local hospitals?

Did you check which of them participate in your network?

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Response to Nye Bevan (Reply #24)

Thu Mar 27, 2014, 01:53 PM

29. Yep. It's all right in front of you to check easily.

I have 3 major hospitals close by (within 10 miles) and they are all listed.

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Response to Lex (Reply #29)

Thu Mar 27, 2014, 01:57 PM

31. Excellent.

Always good to hear about positive ACA experiences.

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Response to Lex (Original post)

Thu Mar 27, 2014, 09:35 AM

2. Mine was really quick too

I live in Rhode Island now and I qualified for the state medicaid

Now if I could just get my records transferred to the new clinic, I could actually see a doctor.

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Response to Marrah_G (Reply #2)

Thu Mar 27, 2014, 09:46 AM

5. Great!



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Response to Marrah_G (Reply #2)

Sat Mar 29, 2014, 03:35 PM

42. Same here , I tried to buy a plan but the site said I couldn't be subsided for it

 

It automatically sent me to medicade

I work and I'm single so I never knew I was able to get medicade.
I always thought it was for families so I never applied.

I just went without health insurance.

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Response to Lex (Original post)

Thu Mar 27, 2014, 09:47 AM

7. Excellent! I'm glad you found a plan

that works for you, and saved money, to boot.

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Response to Lex (Original post)

Thu Mar 27, 2014, 10:04 AM

9. That's great news! For all of us!

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Response to Hassin Bin Sober (Reply #9)

Thu Mar 27, 2014, 10:35 AM

11. Yes it is

because there's so much out there to discourage people from even trying the site.

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Response to Lex (Original post)

Thu Mar 27, 2014, 10:09 AM

10. DU really excels at gathering useful information. Glad you got a better deal.

 

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Response to Lex (Original post)

Thu Mar 27, 2014, 10:36 AM

12. Congrats, and good for you!

My corporate health care sign-up took longer than that!

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Response to Lex (Original post)

Thu Mar 27, 2014, 11:26 AM

13. Faster than it took me at my job!

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Response to Lex (Original post)

Thu Mar 27, 2014, 11:27 AM

14. Congrats!

Obamacare!

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Response to Lex (Original post)

Thu Mar 27, 2014, 11:48 AM

15. uninsured here. not signed up yet

45 years of age and never a medical issue. never saw the need.

but im almost certain ill sign up before monday mostly cuz its probably a good idea but another reason to tell the right wingers to go fuck themselves even if i would have preferred a single payer system.

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Response to Garion_55 (Reply #15)

Thu Mar 27, 2014, 11:56 AM

16. I'm 48 and have been very lucky not to have many health issues

just take a daily BP generic med that controls my BP beautifully. I figure the older I get the less my luck will hold out on not having medical issues. The ACA will allow you to get your yearly physicals and standard age-appropriate screenings at no extra cost. (Like colonoscopies after 50, mammograms after 40, and routine paps for women and screenings for prostate cancer for men).

I did want to be in the ACA as a relatively healthy person because the more healthy people in, the better it will work for everyone.

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Response to Garion_55 (Reply #15)

Thu Mar 27, 2014, 12:23 PM

19. PLease let us know when you have accomplished the sign-up.

We all learn from one another's experiences.

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Response to Lex (Original post)


Response to Post removed (Reply #17)

Thu Mar 27, 2014, 12:40 PM

20. Can you explain the meaning of this post?

It sounds like Lex thinks he's getting a good deal. Do you think he's wrong, or what?

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Response to Post removed (Reply #17)

Thu Mar 27, 2014, 01:28 PM

22. Sorry if it pisses you off that it works

but have a nice life, sunshine.



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Response to Post removed (Reply #17)

Thu Mar 27, 2014, 01:56 PM

30. Sounds like you are heavily invested in people not using Obamacare to buy good, affordable insurance

 

That's pretty un-American of you. You prefer your fellow countrymen and countrywomen have bad, expensive insurance or none at all, thus not receiving proper care or any care at all? 45,000 Americans have been dying annually due to lack of insurance. That's fifteen 9-11s every year. Is that okay with you?

Just because you don't like that millions are benefiting from Obamacare doesn't mean that it's not a success.

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Response to Lex (Original post)

Thu Mar 27, 2014, 12:05 PM

18. That's good to know! Did you happen to notice if you can sign up now...

with a start date later in the year?

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Response to polichick (Reply #18)

Thu Mar 27, 2014, 01:29 PM

23. The sign up period now will start coverage in May. nt

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Response to Lex (Reply #23)

Thu Mar 27, 2014, 01:35 PM

25. Thanks!

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Response to Lex (Original post)

Thu Mar 27, 2014, 12:57 PM

21. Thanks for sharing the good news. nt

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Response to Lex (Original post)

Thu Mar 27, 2014, 01:38 PM

26. There are dental plans out there? n/t

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Response to Tarheel_Dem (Reply #26)

Thu Mar 27, 2014, 01:51 PM

27. I need dental coverage too.

Last edited Thu Mar 27, 2014, 05:29 PM - Edit history (1)

I'm going to go om the ACA website tonight. I am in a state that did not expand medicaid & I don't qualify for a subsidy. Hopefully, there is a federal exchange plan that is affordable. An ACA navigator gave me advice by phone. I have not had insurance for 5 years.

I hope I can afford something.

edit: spelling.

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Response to CottonBear (Reply #27)

Thu Mar 27, 2014, 03:37 PM

34. Best of luck to you. I have dental through my employer, but it has a yearly cap of $1000.

I've always wondered why dental isn't covered under major medical. I've spent thousands on dental procedures over the past few years, and bad dental health can certainly lead to other health issues.

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Response to Tarheel_Dem (Reply #34)

Thu Mar 27, 2014, 05:40 PM

38. Most dental has the same cap.

Most dental insurance usually covers 2 checkups plus $1,000.

My endodontist told me that the $1,000 cap was standard when dental insurance was first introduced BUT has never been raised.

A root canal used to cost about $300 when dental insurance was first introduced not $1,400-$2,000 like today.

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Response to CottonBear (Reply #38)

Thu Mar 27, 2014, 05:54 PM

39. Yup. A single root canal, and you've already blown your benefit for the year. I've usually had....

to pay for the crowns out-of-pocket.

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Response to Tarheel_Dem (Reply #39)

Sat Mar 29, 2014, 03:16 PM

41. I've never had dental insurance in my whole life.

My endodontist thinks that all dental care should be covered under health insurance because bad dental health causes many other illnesses.

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Response to CottonBear (Reply #41)

Sat Mar 29, 2014, 08:58 PM

43. I may be in the minority, but I heartily agree with your endodontist. n/t

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Response to Tarheel_Dem (Reply #26)

Thu Mar 27, 2014, 01:52 PM

28. There were I think 4 to choose from here

in NC. None of them are super great but one was affordable.

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Response to Lex (Reply #28)

Thu Mar 27, 2014, 03:40 PM

35. Typically, dental insurance through an employer has an annual cap of about $1000. Some of us need..

more. Having been a smoker for years, adversely affected my teeth & gums, so I've spent thousands on root canals, crowns, etc.

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Response to Tarheel_Dem (Reply #35)

Thu Mar 27, 2014, 04:20 PM

36. It seems like you could

agree to their best dental plan for a year and get the work done, and then step down to one that covered less? You sign up for a year and then you can rework your plans.

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Response to Lex (Reply #36)

Thu Mar 27, 2014, 04:22 PM

37. I'm definitely gonna check it out. I've got several thousand dollars of work still to be done.

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Response to Lex (Original post)

Thu Mar 27, 2014, 02:54 PM

32. Also, it is YOUR responsibility to "check the formulary".

Nothing you find on the Healthcare.gov website will tell you to do this.
Nothing in the hours and hours of Media Coverage of the ACA ever suggested this.
...but, if you check this thread,
THAT is ALL on you.

http://www.democraticunderground.com/10024685964

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Response to bvar22 (Reply #32)

Thu Mar 27, 2014, 03:20 PM

33. There is a place that says check to see if your meds and doctors and

hospitals are covered.

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Response to bvar22 (Reply #32)

Thu Mar 27, 2014, 06:15 PM

40. It's not true that people weren't informed. I was shocked that so many

other otherwise intelligent people had missed this important point. It's on the website and was mentioned in many media accounts that people should make sure their doctors and drugs were covered.

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