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    DRAGONCHILDE   56,776
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Obamacare, I am IN YOU!

Tuesday, March 18, 2014

Well, after much aggravation, tons of cussing at modern technology, I'm now officially enrolled in an insurance plan. For the first time in 10 years, I can afford to go to a doctor. Got a pretty decent deductible, and with the tax credit, I'm only paying a bit under $40 a month. We need dental too, but it's going to be hard to afford a decent dental plan.

My experience? I tried when it first opened, and experienced what everyone else did. Crap. So I waited for them to work out the kinks (ran up a few hundred bucks in medical bills in the intervening months, to boot.)

Tried two months ago, was stymied by the credit freeze I had placed on my credit report thanks to a lost social security card. Took some more calls and cussing. Then I managed to get myself locked out of the healthcare.gov website, thanks to failed attempts to reset my password. Two more calls, and I got that fixed.

Once I was finally able to fill out an application, it errored out three more times, so I had to delete and start over. I suspect that had to do with the abortive attempt to verify my identity from the first time I tried.

Once I did that? I was pleased to discover that we had access to at least one reasonable plan. I could have gotten free coverage, but the deductible was a lot, and we decided that paying a bit more would be wise so we could actually get much-needed health care.

Overall, my experience has been positive, if tedious and aggravating. Customer service was fast, friendly, and most importantly to me, not outsourced to unintelligible workers in another country. Whatever else you can say, this plan has certainly created jobs there. Wonder where the call centers are? I wouldn't mind that job.

Anyway, I have just breathed a sigh of relief for the first time in a decade; Maybe we won't have to declare bankruptcy next time we have a medical emergency.
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  Member Comments About This Blog Post:

ALLYTHEATHLETE 5/16/2014 3:56PM

    emoticon

Missed you!

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BATCHICK 3/19/2014 2:21PM

    I'm glad your experience was positive overall. I also loved the title of this blog.

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_MOBII_ 3/19/2014 9:54AM

    I know how scary it is to go without insurance...I suffered from gallbladder attacks for a year before I got covered. Living with the fear that something would happen that would require a doctor visit or, God forbid, a trip to the ER!

Glad you finally got coverage, now run and get all your parts checked out!
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DRAGONCHILDE 3/18/2014 9:49PM

    JADOMB: This isn't socialized medicine by a longshot. It's private health insurance, just with federal subsidies thrown in, and restrictions on how the insurance companies can screw us. I'm sorry your premiums went up; most likely, there were hidden costs you weren't aware of.

As for other countries with socialized medicine? In general, they beat the US no matter how you rank it, in long-term outcomes, better overall health, etc. I have a friend here who moved from Canada. She pays about the same in premiums here that she did in taxes there, only here she pays more for prescriptions, and can't see any doctor she wants.

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JADOMB 3/18/2014 9:28PM

    I'm am glad you are finally getting insurance, I hope it lasts. Mine went up over $100 per month so I'm not all that thrilled with socialized medicine and what it will end up doing to all of us. I've been to many countries with it and their care SUCKS. But time will tell I guess how much longer they can borrow from China to pay for things we can't afford.

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FITWITHIN 3/18/2014 8:58PM

    I'm gad that you was able to get health insurance. I've had a family member who suffered for years, because they couldn't afford health insurance and needed surgery. And, now they can afford insurance cover.

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FRUM_SCRATCH 3/18/2014 7:44PM

    I just loved the title of this. Good for you for going through with all the hassle!


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