I Signed Up For 2015 Insurance On Healthcare.gov, aka, Obamacare [i.e., ACA], Website Without Too Much Grief.

Anura Guruge, June 8, 2013.


by Anura Guruge

Related posts:
>> Prior logons appear to work — Oct. 9, 2014.
>> 5 Healthcare carriers in NH in 2015 — Sep. 4, 2014.
>> 2015 Obamacare coverage in NH — Sep. 3, 2014.
>> ‘coveringnewhampshire.org’ … — Aug. 26, 2014.
>> You may LOSE Obamacare (i.e., ACA)
>> Healthcare Subsidies — July 17, 2014.

++++ Search ‘healthcare’ & ‘Anthem’ for the many, many posts on this topic >>>>

Also Category ‘Health Care’ that should bring up ALL ‘Obamacare’ posts >>>>

Given all the cruel and unusual grief I suffered last year trying to sign up for 2014 coverage, and the amount of harassment I have endured this year with ‘the system’ incessantly demanding documents from me, I was dreading having to sign up for 2015 insurance. Not only is it the law (and I can’t afford to cough the penalty) my precarious health dictates that I have at least catastrophic coverage to keep the family from the ‘Poor House’ the next time I fall ill.

I had kind of worked out a strategy to hopefully minimize any system load related grief. I was going to sign up on the late afternoon of Wednesday, November 26, when everybody else would be busy trying to get where they were going for Thanksgiving. I had assumed that the day before Turkey would be a quiet day for healthcare.gov. I am sure the same will be true over the whole 4-day Thanksgiving period but I didn’t want to tackle it on a holiday or when Internet traffic would be at a peak on Black Friday.

2015healthcaregov1But as with all my plans I didn’t stick to it. Over the last 2 weeks as the very observant among you may have noticed I have switched my schedule around. I no longer pots or doing anything serious on this blog during the day. Instead I work on the book. That way I can devote some quality writing time to the book. Today, for a change, I made some good progress on the book. 30% done. I was ready to start a new section. It was just past 4 pm. Occurred to me that IF I try and get my Obamacare taken care of today, I will have tomorrow free to work on the book. So I gingerly logged onto healthcare.gov around 4:10 pm. Being who I am, I had made sure that my logon worked on November 15th itself — i.e., the very day the system opened for 2015 enrollment. Actually, being who I am, I checked it a few times! Remember I am the one that has contingency plans for contingency plans.

Logon worked fine. Quick. No problems. Like night and day compared to the nightmare of last year. The process wasn’t too bad. Yes, I did NOT have to enter much data. Just verify and confirm information from last year. But they do insist on a tedious Q&A process. But, it was OK. I was done within about 45 minutes.

My premium went up 12%. I could have got a lower premium with one of the new carriers but from what I could see their network really had no doctors. So wasn’t much use having insurance with them if they don’t have any ‘in-network’ doctors.

I am SURE there is a GLITCH with dental insurance. As was also the case last year, though dental is OPTIONAL, it doesn’t appear to let you SKIP dental! I was going to skip it this year. But after 2 attempts to say NO and move on I decided that it must be fate. I had to have the damn insurance. So I got it. It had gone up 16%.

Yes, being the PRO I am with this system I UPLOADED the documents I had to submit. Got all the GREEN submitted and completed boxes. BUT, of NO! I already created a fat envelope with copies of the documents. Going to send it certified mail tomorrow. Not doing the same dance as last year.

But now will begin the tango with Anthem and Delta. But at least I have stuff already in place with them.

I will, of course, keep you posted.

Happy Turkey.