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.