- 5 years ago
- Wedding: September 2014
I was finally able to submit an application. The government says I am eligible for both a tax subsidy and a cost sharing reduction plan. Yay!
I go into the Marketplace and look at Silver plans. There are NO cost sharing reduction plans. From what I understand, the idea is that the deductibles and out-of-pockets costs are greatly reduced IF you qualify and choose a Silver plan. This is completely separate from the subsidy that goes toward your premium.
If I go directly to the insurer’s website, I can see all of the cost sharing variations of the Silver plans they offer. But on the Marketplace? Not there. The menu that lets you sort through plan categories even says “You are eligible for a cost sharing reduction plan. Plans: 0.”
Before I understood what being eligible for cost sharing reduction meant, I chose a non-Silver plan. I enrolled. A button popped up that said “Pay.” I clicked it. It brought me to a checkout page to pay my first month’s premium. It didn’t work. Now the Marketplace shows me as enrolled, but I can tell you right now that if I were to call the insurer ( which I will do shortly ), they will not have any information on me in their system.
I already contacted the dental plan I enrolled in, and as far as they are concerned, I don’t exist.
There is a nifty button that says “Terminate All Coverage.” I decide to terminate and start over. A window pops up, has you check a box to show you know what you are doing, and then you hit confirm. It worked.
I then did the process over, hoping I would be able to pay this time. Same problem. Okay, time to terminate again. Same process. Page refreshes. It still shows me as enrolled.
I contact healthcare.gov’s customer service. Dude I talk to is confusing the subsidy with cost sharing reduction. He tells me I need to contact my insurers to cancel my plan. But….they have no record of me ( at least for the dental thus far ), and I haven’t paid the first month’s premium. And I did it before. Basically, the support people on healthcare.gov don’t even understand the basics of the program from the three conversations with different people I have had.
At this point, I am considering just leaving this whole mess alone for a few more months and trying again in January perhaps.
Anyone else been trying to get insurance via the marketplace?