I am so fed up with healthcare.gov!!!
I set up an account in early October when the exchange first opened. I was able to complete most of my application and then the site went down. I tried again on 12/4 to log into my account and since I could not remember my password, I asked them to reset it. When I did that, it asked me some security questions that I do not ever remember setting up (not sure if they were default questions or what, but I never would have chosen "What was your favorite childhoold toy" as my security question). ANYWAY, I spoke with a rep who told me the best thing to do was to make a new account with a different email address. So, I did that. Got my application filled out and got my eligibility results which said that my DS (who is 6) is not eligible for insurance (???) and that DD is eligible for medicaid. Called rep and they said for me to fill in ALL the information (I had left out everything that was optional) and see if I got different results. I did. It now says that DS and DD are elgible for medicaid. After three hours on the phone on Friday speaking with different agencies and people, I am going to have to go to my local DSS to see if they are eligible for medicaid. According to the people I talked to (who honestly may not know the correct answer) I CANNOT opt out of medicaid if they eligible. No offense to anyone that may be on medicaid, but I do not want my kids on medicaid. I want to pay for my kids' insurance AND be able to choose their health providers. It makes no sense to me why I would have to enroll my kids in a government program when I am willing to pay for their insurance.
And the kicker is that according to the NC Medicaid website, our income is too high for medicaid!!!!!! Basically, I am going to have to waste all day at DSS and fill out a bunch of paperwork just to be able to get a denial letter so that I can appeal our eligibility decision to the healthcare marketplace.