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Healthcare.gov is driving me crazy!


taylorcpa

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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.

 

UUGGHH!

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Why are you going through healthcare.gov to get insurance? You can shop for health insurance on the free market and not use the government for help. 

 

I was able to find relatively cheap health insurance on the free market when I was 20 in college. I'm sure it's not that hard now to find something that you like and is affordable without the government's "assistance".

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Are you sure that you have to go to DSS?   in SC, there is something called The Benefit Bank -- they have certified navigators for healthcare.gov  and also are a one stop  shop for things like Medicaid and other benefits.   See if you can find something similiar in NC. 

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I have a grandfathered plan and my 2014 premiums will be 20% of my gross income.  Any other plans without the premium credit (ie on the free market) would exceed 25% of my income.  Since DH and I are over 30 we are not eligible for the cheaper catastrophic coverage. 

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Are you sure that you have to go to DSS?   in SC, there is something called The Benefit Bank -- they have certified navigators for healthcare.gov  and also are a one stop  shop for things like Medicaid and other benefits.   See if you can find something similiar in NC. 

 

According to the people at DSS, I have to have the denial letter to be able to appeal the decision.

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Argh, what a mess. Sorry that you are going through all this hassle. Just a side question, was it this hard to get insurance before the ACA? 

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This chart might be helpful for understanding what's happening. http://www.medicaid.gov/AffordableCareAct/Medicaid-Moving-Forward-2014/Downloads/Medicaid-and-CHIP-Eligibility-Levels-Table.pdf

 

In NC children 5 and under qualify if the family income is under 210% of the FPL. Children 6+ qualify if the family income is under 133% of FPL.

 

Here is the monthly income allowances for a family of four:

http://www.medicaid.gov/AffordableCareAct/Medicaid-Moving-Forward-2014/Downloads/Medicaid-and-CHIP-Eligibility-Levels-Table_HHsize4.pdf

 

One thing that people have been trying (and apparently successful at) is claiming the subsidy/tax credit for the adults, purchasing the plan they want on the exchange and then contacting the insurance company to add their children without the subsidy. If your children do qualify for medicaid, you do not qualify for subsidy for them.

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I have several friends who pay for NH Medicaid for their kids. They earn above poverty level but within guidelines so it is not free insurance.

 

If it is a political/philosophical issue I can't speak to that, but if it is a quality issue my friends see any doc they want, and had a pediatric surgery in Boston (which being in another state is certainly out of network) with no cost to them. It also pays for braces, at least here.

 

It is better insurance than what we have (which I am fine with as we can afford to pay more for healthcare)

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This chart might be helpful for understanding what's happening. http://www.medicaid.gov/AffordableCareAct/Medicaid-Moving-Forward-2014/Downloads/Medicaid-and-CHIP-Eligibility-Levels-Table.pdf

 

In NC children 5 and under qualify if the family income is under 210% of the FPL. Children 6+ qualify if the family income is under 133% of FPL.

 

Here is the monthly income allowances for a family of four:

http://www.medicaid.gov/AffordableCareAct/Medicaid-Moving-Forward-2014/Downloads/Medicaid-and-CHIP-Eligibility-Levels-Table_HHsize4.pdf

 

 

 

Funny thing (NOT) is that we are above these income limits!!!

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Just a side question, was it this hard to get insurance before the ACA? 

It is not that it is difficult to GET insurance but it was less expensive.  Now, all policies must cover maternity and other things that were optional.  My grandfathered plan did not include maternity so it less expensive than any policy currently out there for my family.

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Funny thing (NOT) is that we are above these income limits!!!

 

Even using MAGI? One of my coworkers has told me that the multiple child determinations is a known glitch, but I would expect that it would only happen if you were close to the limit.

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Even using MAGI? One of my coworkers has told me that the multiple child determinations is a known glitch, but I would expect that it would only happen if you were close to the limit.

We are within $100 of the monthly limit.  An agent told me to delete my application and try again.

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