General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region Forums45 minutes to open my ACA account, select a plan, and finalize the transaction.
The website worked like a breeze for me yesterday so that was a surprise given everything I read.
I was going to wait until open enrollment comes around again in November since I am insured, but when I checked the plans I'd be saving close to $200 per month (!) if I switched from my current plan (I'm self-employed, no employer offers a plan) to a new ACA plan. I was even able to add a dental plan, and STILL save around $200 per month. Whoa.
I chose one of the Silver plans that is head and shoulders above the plan I had. So I'm saving money AND getting a better plan.
Whew, glad that's done. Learned a lot here at DU about how the plans worked and that helped me so much when looking over the plans. Thanks!
PoliticAverse
(26,366 posts)Is your current Doctor included? If not make sure you can find a doctor that is actually
accepting new patients under the plan.
Lex
(34,108 posts)Easy to look up on the site while choosing a plan.
PoliticAverse
(26,366 posts)Lex
(34,108 posts)to properly cancel their policy once my ACA policy takes effect in May. I didn't want to just stop paying, but go through the proper steps to cancel it.
MineralMan
(146,324 posts)My wife had to fax them a letter to officially cancel the policy as of the date her new policy kicked in.
Nye Bevan
(25,406 posts)Did you check which of them participate in your network?
Lex
(34,108 posts)I have 3 major hospitals close by (within 10 miles) and they are all listed.
Nye Bevan
(25,406 posts)Always good to hear about positive ACA experiences.
Marrah_G
(28,581 posts)I live in Rhode Island now and I qualified for the state medicaid
Now if I could just get my records transferred to the new clinic, I could actually see a doctor.
newdemocrat999
(37 posts)It automatically sent me to medicade
I work and I'm single so I never knew I was able to get medicade.
I always thought it was for families so I never applied.
I just went without health insurance.
MineralMan
(146,324 posts)that works for you, and saved money, to boot.
Hassin Bin Sober
(26,334 posts)Lex
(34,108 posts)because there's so much out there to discourage people from even trying the site.
KittyWampus
(55,894 posts)MANative
(4,112 posts)My corporate health care sign-up took longer than that!
riqster
(13,986 posts)Iliyah
(25,111 posts)Obamacare!
Garion_55
(1,915 posts)45 years of age and never a medical issue. never saw the need.
but im almost certain ill sign up before monday mostly cuz its probably a good idea but another reason to tell the right wingers to go fuck themselves even if i would have preferred a single payer system.
Lex
(34,108 posts)just take a daily BP generic med that controls my BP beautifully. I figure the older I get the less my luck will hold out on not having medical issues. The ACA will allow you to get your yearly physicals and standard age-appropriate screenings at no extra cost. (Like colonoscopies after 50, mammograms after 40, and routine paps for women and screenings for prostate cancer for men).
I did want to be in the ACA as a relatively healthy person because the more healthy people in, the better it will work for everyone.
No Vested Interest
(5,167 posts)We all learn from one another's experiences.
Response to Lex (Original post)
Post removed
drm604
(16,230 posts)It sounds like Lex thinks he's getting a good deal. Do you think he's wrong, or what?
Lex
(34,108 posts)but have a nice life, sunshine.
Arugula Latte
(50,566 posts)That's pretty un-American of you. You prefer your fellow countrymen and countrywomen have bad, expensive insurance or none at all, thus not receiving proper care or any care at all? 45,000 Americans have been dying annually due to lack of insurance. That's fifteen 9-11s every year. Is that okay with you?
Just because you don't like that millions are benefiting from Obamacare doesn't mean that it's not a success.
polichick
(37,152 posts)with a start date later in the year?
Lex
(34,108 posts)okaawhatever
(9,462 posts)Tarheel_Dem
(31,236 posts)CottonBear
(21,596 posts)Last edited Thu Mar 27, 2014, 06:29 PM - Edit history (1)
I'm going to go om the ACA website tonight. I am in a state that did not expand medicaid & I don't qualify for a subsidy. Hopefully, there is a federal exchange plan that is affordable. An ACA navigator gave me advice by phone. I have not had insurance for 5 years.
I hope I can afford something.
edit: spelling.
Tarheel_Dem
(31,236 posts)I've always wondered why dental isn't covered under major medical. I've spent thousands on dental procedures over the past few years, and bad dental health can certainly lead to other health issues.
CottonBear
(21,596 posts)Most dental insurance usually covers 2 checkups plus $1,000.
My endodontist told me that the $1,000 cap was standard when dental insurance was first introduced BUT has never been raised.
A root canal used to cost about $300 when dental insurance was first introduced not $1,400-$2,000 like today.
Tarheel_Dem
(31,236 posts)to pay for the crowns out-of-pocket.
CottonBear
(21,596 posts)My endodontist thinks that all dental care should be covered under health insurance because bad dental health causes many other illnesses.
Tarheel_Dem
(31,236 posts)Lex
(34,108 posts)in NC. None of them are super great but one was affordable.
Tarheel_Dem
(31,236 posts)more. Having been a smoker for years, adversely affected my teeth & gums, so I've spent thousands on root canals, crowns, etc.
Lex
(34,108 posts)agree to their best dental plan for a year and get the work done, and then step down to one that covered less? You sign up for a year and then you can rework your plans.
Tarheel_Dem
(31,236 posts)bvar22
(39,909 posts)Nothing you find on the Healthcare.gov website will tell you to do this.
Nothing in the hours and hours of Media Coverage of the ACA ever suggested this.
...but, if you check this thread,
THAT is ALL on you.
http://www.democraticunderground.com/10024685964
Lex
(34,108 posts)hospitals are covered.
pnwmom
(108,990 posts)other otherwise intelligent people had missed this important point. It's on the website and was mentioned in many media accounts that people should make sure their doctors and drugs were covered.