Customers possess a common trait.
- They don’t care what the problem is
- Just fix it
- Even if it is a temporary fix
- Fix it
We all have heard about or experienced the IT disaster at the site, HealthCare.gov. Makes you feel somewhat sorry for the young model on the site’s Homepage.
Unfortunately, what complicates this major system flaw is politics.
If you’re like me, I really don’t care to point fingers at who is wrong or receive assurances that all will be fine.
Just fix it.
I still find the temporary band-aid solutions to be the best answer for my situation. Perhaps they will help you, too.
As I shared, although I do have a bias as a licensed broker, I find working with an insurance broker or agent at this point to be the best bet.
There is not an agent out there who hasn’t experienced a system problem. Especially when it comes to enrollment.
My broker’s agency has already sent out emails with a link to their site that has the plan options for my state.
And the links work.
State Reforum, an online resource for states implementing the Affordable Care Act, released a map with links to exchange plan rates.
- Click on your state
- It should open to a spreadsheet with dropdown menus
- You also have an option to download a PDF document
The information comes from HealthCare.gov.
1. Enter your age in the first worksheet that opens up.
2. Select your state from the Tabs at the bottom.
3. Review your rate options.
The above will give you an idea of the cost of the plans.
Important: The rates do not reflect your portion of the premium if you qualify for a subsidy. If you qualify, you can have significant out-of-pocket savings.
Your insurance broker or the carrier can help you with plan summaries that show what is covered and what your out-of-pocket costs would be – e.g., your deductible, copayments or coinsurance (the amount you pay for a service).
I am in that boat of people who needs coverage for January 1.
My health insurance expires the end of October 2013 so I purchased temporary insurance to cover me for November and December.
- Temporary insurance typically does not cover pre-existing conditions
- The premiums are much lower (mine was about half of my current rate)
- The maximum length for temporary insurance is typically 6 months
You may want to explore temporary insurance as another band-aid until the HealthCare.gov site disaster is fixed.
We are not certain that Uncle Sam will deliver us a holiday gift of an enrollment site that works. I imagine it wouldn’t be the first time you didn’t receive a gift you wanted.
Don’t count on seeing a restored site this holiday season. If you need health insurance coverage, check out your options.
- Talk with an insurance agent
- Visit insurance company sites directly
- Check out the Statereform map for your state’s plan rates
Hopefully, the band-aids help provide temporary relief.
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Notice of Disclaimer –Cathy Miller is not an attorney or health care provider and cannot provide legal or health care advice. The information provided is for your general background only, and is not intended to constitute legal or health care advice as to your specific circumstances. We recommend you review legislation with legal counsel and visit your physician for health care issues.