Has anyone here signed up for Obamacare or knows someone who has signed up for it?

ppaca wrote:Well the govt initially did not want insurance agents/brokers in this therefore creating a bunch of people out of job. Made it very difficult for us to get certified.  Also has made it very difficult for us to do any applications, most have done nothing this past week.  It would have been single payer if the insurance company's did not play their game.

I spoke with my doctor a couple weeks ago at an appointment for a large group of doc's here and he had about a 27" computer screen in front of him and typing and I said, so you went electronic? He said had to but not because of CMS, seems like their accountant did some figures and the penalty would have been cheaper than setting up electronically, so they told CMS they would pay penalty and CMS agreed. Now in come's a big insurance company into his office and said no problem to the group of doctor's, you just pay that penalty and in the mean while we are going to tear up your provider agreement with us. So therefore they went electronic because they are the largest group of doc's that specialize in this condition in the panhandle and needed the provider contract. I am beginning to see the other side. He said it was good going electronic for purposes of one network seeing the other so no one is misdiagnosed, but he also said not every doc is networked into their's, so now I don't see the purpose.

Chrissy wrote:

ppaca wrote:Well the govt initially did not want insurance agents/brokers in this therefore creating a bunch of people out of job. Made it very difficult for us to get certified.  Also has made it very difficult for us to do any applications, most have done nothing this past week.  It would have been single payer if the insurance company's did not play their game.

I spoke with my doctor a couple weeks ago at an appointment for a large group of doc's here and he had about a 27" computer screen in front of him and typing and I said, so you went electronic? He said had to but not because of CMS, seems like their accountant did some figures and the penalty would have been cheaper than setting up electronically, so they told CMS they would pay penalty and CMS agreed. Now in come's a big insurance company into his office and said no problem to the group of doctor's, you just pay that penalty and in the mean while we are going to tear up your provider agreement with us. So therefore they went electronic because they are the largest group of doc's that specialize in this condition in the panhandle and needed the provider contract. I am beginning to see the other side. He said it was good going electronic for purposes of one network seeing the other so no one is misdiagnosed, but he also said not every doc is networked into their's, so now I don't see the purpose.

everyone is going to go to electronic EMR. most of the places in pcola that are bigger than my pinky have already gone even before I moved from there. They were given it by hospitals encouraging referals from them.

laws have since changed to where that can not happen.

A US connected EMR is not for patient care although it is sold as that. its for gov monitoring.

It will do some good as I am an advocate against pill pushers and pill heads. these people go doc shopping. we need to end that, its killing the country.

facts are, we have all been lied to. the truth of hat this bill really is ill become apparent if it has not yet to many. and that what it really is a gov takeover. its all about POWER.

I like you have to play by the rules set out, and Im very good at doing so. doesn't mean I like it.

If I was a insurance salesman this is what I would be planning. I would be looking to get in with a company that wants to cater to those who are not seeking gov funds. this is going to be hard. But at sometime or point, some ins co's are going to seek out the cash cows and focus on them. I would plan to be part of that organization. Its what I have done with my own career.

You have to change with change. or you get run over. winners make smart changes even if it doesnt appeal to their softer side, but you gotta look out for your family and self 1st.

ppaca wrote:

Nekochan wrote:

ppaca wrote:

Nekochan wrote:I've read that there a lot about problems with the system and that people are shocked by the high cost of the plans.  I am not starting this thread in order to have people call each other names, it's just a question. 

Hubby and I have health ins through his job.  It costs us over $500 a month. Not exactly what I call cheap, but at least we're insured.  I used that Kaiser calculator that Chrissy posted and if we had no health insurance, according to the calculator, a plan for us would cost $821 a month, with no subsidy.   This is not what I consider affordable.  I just am curious about real life experience for anyone who has actually signed up.

That's an average of all plans in Florida since you and your husband would not qualify for a subsidy. Your husband's employer is probably paying quite a bit of his premium but it is spousal coverage  that brings it up over $500 per month, which has been in this range for sometime here in Florida.

I understand and I am glad that we have insurance available.   But my point is: if we didn't have insurance but could pay a fine, of say $500 a month, and still receive health care, why would we pay $821 a month?

You wouldn't want to pay $821 if you have it available for $500, no need for you do to anything. Why not pay a fine? Well you could if you don't have it at all, but then the taxpayer's still have to pay for you to go to ER and other policy holder's.

Bob wrote:I finally got the webpage to sign up. But when I established a username and password and then tried to login with it, it keeps telling me the username is not valid.
I give up. This is the worst example of government bureaucracy created bullshit I've ever seen.

Bob wrote:I finally got the webpage to sign up.  But when I established a username and password and then tried to login with it,  it keeps telling me the username is not valid.
I give up.  This is the worst example of government bureaucracy created bullshit I've ever seen.

Bob wrote:I finally got the webpage to sign up.  But when I established a username and password and then tried to login with it,  it keeps telling me the username is not valid.
I give up.  This is the worst example of government bureaucracy created bullshit I've ever seen.

PBulldog2 wrote:

Bob wrote:I finally got the webpage to sign up.  But when I established a username and password and then tried to login with it,  it keeps telling me the username is not valid.
I give up.  This is the worst example of government bureaucracy created bullshit I've ever seen.

I gave up on the username/password I established and tried to set up another one using another email address. It didn't get me any closer.

You are right....this is a mess!

ppaca wrote:

Bob wrote:I finally got the webpage to sign up.  But when I established a username and password and then tried to login with it,  it keeps telling me the username is not valid.
I give up.  This is the worst example of government bureaucracy created bullshit I've ever seen.

Try again. I practiced this weekend. Yes it's tedious, you first sign up for account, then you have to check your email for log in, then you go back and log in.

Chrissy wrote:

PBulldog2 wrote:

Bob wrote:I finally got the webpage to sign up.  But when I established a username and password and then tried to login with it,  it keeps telling me the username is not valid.
I give up.  This is the worst example of government bureaucracy created bullshit I've ever seen.

I gave up on the username/password I established and tried to set up another one using another email address. It didn't get me any closer.

You are right....this is a mess!

Time to admit that the on year delay that the republicans want would save obomas ass.

ppaca wrote:

Chrissy wrote:

PBulldog2 wrote:

Bob wrote:I finally got the webpage to sign up.  But when I established a username and password and then tried to login with it,  it keeps telling me the username is not valid.
I give up.  This is the worst example of government bureaucracy created bullshit I've ever seen.

I gave up on the username/password I established and tried to set up another one using another email address. It didn't get me any closer.

You are right....this is a mess!

Time to admit that the on year delay that the republicans want would save obomas ass.

Not really Chrissy, what would one more year do? They have had 3 years to build the system, if they can't get it right now how can they in another year? I would imagine this will implode on it's own the way things are going. I have however maneuvered the first part of the online application. I am far from a computer whiz, but they have the server's located in one place in VA and probably not many at that. They need to learn from FB and should have 3 different locations across the U.S. with more server's than they have now. Maybe a navigator can help?          

Bob wrote:What we have learned about obamacare up to this point.

1.  The insurance for those with pre-existing conditions, which became available earlier this year,  has already run out of money.

2.  You can't even navigate the obamacare website.

3.  I'll just have to buy my cancer treatment at Evermans because that's all I can afford.  I hope wheat germ and peroxide will cure it. ,/quote]


That's not the case, Bob. Whomever started that rumor was basing it on the closing of the state plans for people with pre-existing conditions. Those plans have been available for Floridians for a long time, but the premiums were very high because all applicants had pre-existing conditions.Those plans were closed because new applicants with pre-existings can no apply through the exchange. If it ever works, that is. :-)

Bob wrote:Don't confuse the issue with facts,  PB.  I'm not into facts.

PBulldog2 wrote:

Bob wrote:Don't confuse the issue with facts,  PB.  I'm not into facts.

Bwahahahaaaa!!!

And hey, I am not about to call any of their "marketing reps" and apply for a plan over the phone! Looks like that's the tack the gov is taking, and it really irritates me. I want to be able to compare the plans myself, not take some supposed navigators word for what's best for me!

Nekochan wrote:

PBulldog2 wrote:

Bob wrote:Don't confuse the issue with facts,  PB.  I'm not into facts.

Bwahahahaaaa!!!

And hey, I am not about to call any of their "marketing reps" and apply for a plan over the phone! Looks like that's the tack the gov is taking, and it really irritates me. I want to be able to compare the plans myself, not take some supposed navigators word for what's best for me!

I would feel the same way.  Let me look at the plans and decide for myself.

PBulldog2 wrote:

Nekochan wrote:

PBulldog2 wrote:

Bob wrote:Don't confuse the issue with facts,  PB.  I'm not into facts.

Bwahahahaaaa!!!

And hey, I am not about to call any of their "marketing reps" and apply for a plan over the phone! Looks like that's the tack the gov is taking, and it really irritates me. I want to be able to compare the plans myself, not take some supposed navigators word for what's best for me!

I would feel the same way.  Let me look at the plans and decide for myself.

It's getting frustrating, Neko. Personally, I think all insurance companies should be allowed to help individuals, because the gov solution sure isn't working.

PPaca - is there some rule that says insurance salespeople are not able to assist consumers with this? If there is no such rule, is there a fee for service? I would gladly pay it, but I want an insurance salesperson who knows that the heck they are doing!

The gov has been sending out warnings about people who are charging to assist consumers, but an experienced insurance salesperson should be able to charge for assistance, if it helps break up the back log.