Atman gets new health insurance

[franksolich]

http://www.democraticunderground.com/10024770592

Oh my.

Brand-new thread; I unexpectedly bumped into the twin as he was posting this.

Atman (27,321 posts)   Wed Apr 2, 2014, 02:19 PM

It's time! Our ACA horror story!

Not as nightmarish as Will's, at least as long as neither my wife nor I get sick in the next week or so.
 
As I'd previously posted, we switched from my wife's employer's Anthem health plan because it was ridiculous. Her partner, owner of the practice, is quite wealthy so the sky-high deductibles didn't bother her. Sofa change. But for us it was no longer workable so we shopped the exchange. We found a virtually identical Gold policy but it had a deductible that was less than HALF of what we were paying before, and what we'd have to pay if we'd stuck with the employer plan.
 
She filled out all the forms, gave our enrollment date as April 1st and printed out the confirmation...which showed MAY 1st as the enrollment date. She immediately called and was assured it was an error, and that they showed April 1st as the enrollment date. Well, guess what? Got the first premium notice today -- it's MAY 1st! We have NO INSURANCE NOW. Literally two hours on the phone to Anthem, the plan managers, conference calls, yielded nothing but "were working on it." Despite the fact that everyone acknowledges the start date is indeed listed as April 1st, we're not actually insured until May 1st, but "they're working on it."
 
The last conversation ended with that hopefully, maybe we'll be up and running in four or five days. I sure as shit hope nothing happens to me this week. I think I'll just curl up and watch tv...I'm afraid to leave the house!

No primitive comments yet.

I wonder if the new policy includes boob-reduction surgery, which Atman sorely needs, as they don't belong on males.

[franksolich]

0 replies, 48 views

[franksolich]

Hmmmm.

0 replies, 72 views

[franksolich]

0 replies, 103 views

[franksolich]

Hoyt (15,918 posts)    Wed Apr 2, 2014, 02:31 PM

1. I'm sure you are, but keep a record of everything. I would probably mail them a check for

April's premium. It might not be accepted, but at least you might be able to use it as evidence of your intent. Of course, I'm one of those fools who would use the poor person's copyright for a song or book, by mailing myself a copy in the "hopes" I could use the postmark as some proof if needed (knowing it is not ironclad proof, just better than nothing).

[franksolich]

Atman (27,322 posts)    Wed Apr 2, 2014, 02:35 PM

2. We're doing just what you suggest.

Oh, and btw...mailing yourself a copy is STILL a very good way to prove a trademark (not so much a copyright). The USPS mark is pretty solid evidence. Just don't open your own envelope when it arrives -- kind of defeats the purpose! I think the last time I read trademark law it specifically suggested mailing copies of everything to yourself and then storing them just in case.
 
But I'm too afraid to go to the mailbox now. What if I get hit by a truck?

[franksolich]

2 replies, 169 views

[franksolich]

monmouth3 (3,034 posts)    Wed Apr 2, 2014, 02:38 PM

3. Many people have been years without insurance. Horror story? Please...

[hillneck]

And another example of the worlds smartest people in action.      

[franksolich]

Lex (33,350 posts)    Wed Apr 2, 2014, 02:40 PM

4. When I signed up in March, everything showed May 1st

as the beginning date for coverage.

[landofconfusion80]

Atman (27,322 posts)    Wed Apr 2, 2014, 02:35 PM

2. We're doing just what you suggest.

Oh, and btw...mailing yourself a copy is STILL a very good way to prove a trademark (not so much a copyright). The USPS mark is pretty solid evidence. Just don't open your own envelope when it arrives -- kind of defeats the purpose! I think the last time I read trademark law it specifically suggested mailing copies of everything to yourself and then storing them just in case.
 
But I'm too afraid to go to the mailbox now. What if I get hit by a truck?

Wouldn't that be swell?! We can only hope...

[franksolich]

4 replies, 218 views

What a disappointment.  This doesn't seem to be gaining much traction.

[franksolich]

Atman (27,323 posts)
response to the monmouth primitive, above

5. You apparently took my sub line quite literally.

I haven't needed to go to the doctor in well over a year. I'm sure I'll last a week or two. I hope. But being 55, I could also have a stroke tomorrow. Who knows? I guess you missed the point.

[DefiantSix]

 

[franksolich]

kelliekat44 (3,711 posts)    Wed Apr 2, 2014, 02:51 PM

6. This has happened a lot BEFORE the ACA. Sorry it happened to you. It has happened a lot

during every Open Season...it is a horror story but should not be blamed on the ACA.

6 replies, 262 views

[Carl]

They keep extending the deadline but that also extends the start date.
These people are just stupid.

[franksolich]

Went down like the Titanic.

6 replies, 302 views

[lastparker]

As I'd previously posted, we switched from my wife's employer's Anthem health plan because it was ridiculous. Her partner, owner of the practice.....

How do you have a "partner" who owns the entire practice? Pretty sweet deal.

Anyhoo..... it was my understanding that you can't even GET an Obozocare plan if your employer is offering you qualified coverage. Am I wrong? Or is it a state-by-state thing?

I distinctly remember asking our HR person about how our plans compare with Obozocare plans during open enrollment, and she said I wasn't eleigible because I can get it here.

[franksolich]

How do you have a "partner" who owns the entire practice? Pretty sweet deal.

Anyhoo..... it was my understanding that you can't even GET an Obozocare plan if your employer is offering you qualified coverage. Am I wrong? Or is it a state-by-state thing?

I distinctly remember asking our HR person about how our plans compare with Obozocare plans during open enrollment, and she said I wasn't eleigible because I can get it here.

Remember the First Rule of Primitivity:

DUmmies lie; all the time, DUmmies lie.

[Dori]

How do you have a "partner" who owns the entire practice? Pretty sweet deal.

Anyhoo..... it was my understanding that you can't even GET an Obozocare plan if your employer is offering you qualified coverage. Am I wrong? Or is it a state-by-state thing?

I distinctly remember asking our HR person about how our plans compare with Obozocare plans during open enrollment, and she said I wasn't eleigible because I can get it here.

Good question.  I've read that if you have employer provided insurance that you don't qualify for a subsidy...

[GOBUCKS]

McGrath has claimed before that his wife, the only employable person in the Picasso family, is a medical doctor.

Now she's so pinched for funds she can't afford her deductible.

Not only that, but her employer insurance is worse than the democrat plan - which makes it the worst insurance in the history of mankind.

And she's a doctor?

If she's a doctor then Atman really is Pedro Picasso.

Or, he's lying about the whole thing.


 

[DefiantSix]

If she's a doctor then Atman really is Pedro Picasso.

Or, he's lying about the whole thing.


 

Yes.

[BlueStateSaint]

McGrath has claimed before that his wife, the only employable person in the Picasso family, is a medical doctor.

Now she's so pinched for funds she can't afford her deductible.

Not only that, but her employer insurance is worse than the democrat plan - which makes it the worst insurance in the history of mankind.

And she's a doctor?

If she's a doctor then Atman really is Pedro Picasso.

Or, he's lying about the whole thing.


 

Maybe this is her in her "doctor's" regalia . . .

[BattleHymn]

I wonder if the new policy includes boob-reduction surgery, which Atman sorely needs, as they don't belong on males.

Rob claims to be pretty good with a pen.  Maybe he should try to do his up like this:

[franksolich]

McGrath has claimed before that his wife, the only employable person in the Picasso family, is a medical doctor.

Now she's so pinched for funds she can't afford her deductible.

Not only that, but her employer insurance is worse than the democrat plan - which makes it the worst insurance in the history of mankind.

And she's a doctor?

If she's a doctor then Atman really is Pedro Picasso.

Or, he's lying about the whole thing.

To be fair, the twin's never alleged his wife to be a physician.

<<<fair person.

All he's alleged is that she's in one of the medical professions, which seems credible, although why even a nurse would find him husbandworthy escapes me.  She might be a registered nurse, a physical therapist, a dental hygienist, something like that.