Our troubles may strike some as trivial and particular, although they wouldn’t if it happened to them. And anyone who wants a successful system – as we do – must understand that these nightmares are happening across the nation to the very people who want Obamacare to work.
This story appears to be the Deliverance version of signing up for Obamacare.
Unfortunately, having dealt with many clients, it’s all to believable.
Restricted provider networks
Complicated subsidy eligiblity
Possibly higher premiums
All of the above are gifts of Obamacare.
If you don’t qualify for a subsidy or it is very small, my recommendation is:
Do NOT use the exchange
Contact a broker
Purchase directly from the carrier, which will also avoid security issues with the exchange websites.
As we near the October 1 implementation date of ObamaCare, it is becoming increasingly clear that the federal government isn’t prepared. Late last week, HHS quietly reduced by one-third the number of hours of training required for “navigators,” individuals tasked with helping the public enroll in the program. The decision to cut training adds to already existing questions about how effective the “navigators” can be.
“Navigators” are federally funded community activists who are supposed to help the public navigate the insurance exchanges and apply for any qualified subsidies. By design, individual navigators can have no ties with the health insurance industry, raising the question of how well they can help individuals select the best coverage option.
Remind me again, how long have they had to plan and implement “Navigator” training?
Last week, I wrote about Enroll America’s plan to go door-to-door to urge uninsured people to sign up for health insurance, in some cases returning a half-dozen times to convey the message. But will a knock on the door – or eight – be enough?
Maybe not, according to Stan Dorn, a senior fellow at the Urban Institute, whom I quoted in the piece and who is skeptical of such efforts. He thinks the only way to get large numbers of people signed up quickly is to actually do the signing up for them.
“It’s human nature not to complete forms or paperwork,” he said. “The initiatives that have succeeded in enrolling large numbers of people have eliminated the need for consumers to fill out paperwork.”
I just wonder if people will be willing to share the information required even if someone signs them up.
Can Obamacare be fixed before it’s fully implemented?
Oh I think we really have to fix it. And I think you fix it by repealing and then enacting really sensible reform. And in order to get the votes to repeal it you have to give the American people an idea of how it’s going to be reformed.
But this to me is a classic case of a bill getting oversold in very simple terms. If you like what you have you can keep it and all the people who don’t have something are going to get something essentially for free. And then this incredibly complex bill was written to basically manage a sixth of the economy. Of course it’s a trainwreck. (emphasis added)
We have to fix it, we just can’t let this play out because one of the things we know is that once a government program is enacted it’s exceedling difficult to ever get rid of it. We just can’t get to that place.
The issue is the exchange navigators will have access to volumes of your personal information.
The exchange, known as Covered California, recently adopted rules for a network of more than 21,000 enrollment counselors who will provide consumers with in-person assistance as part of the federal Affordable Care Act. In some cases, they will have access to personal and financial information, from ID cards to medical histories.
But the state insurance commissioner and anti-fraud groups say the exchange is falling short in ensuring that the people hired as counselors are adequately screened and monitored.
I’m working with a client right now that is very skittish regarding her social security number on a short term major medical plan. She will soon be on a group plan but if she had to use the exchange, I believe she would be very concerned with the amount of information navigators will have access to.
The nation’s librarians will be recruited to help people get signed up for insurance under President Barack Obama’s health care overhaul. Up to 17,000 U.S. libraries will be part of the effort to get information and crucial computer time to the millions of uninsured Americans who need to get coverage under the law.
This sums it up nicely…
“Frankly whether we’re prepared or not, it’s going to happen, so the best way for us to serve the public is to prepare ahead of time,” Hildreth said.
Lissa Staley, a librarian in Topeka, Kan., specializes in health information, and already is helping people figure out their insurance options.
“I talked to a woman this morning who said, ‘I’m a single mom. I make too much money to qualify for Medicaid and my employer will only let me work part time.’ I gave her my card and we’re going to sort through some of her options,” Staley said.
Perhaps librarians should be trained as navigators. Also, don’t forget your local life and health agents!
Republican senators slammed the Patient Protection and Affordable Care Act’s navigator program Thursday arguing that the rule is so lenient that a convicted felon could qualify as a navigator and get access to consumers’ confidential health information.
No fooling! The good news!?? The draft application is only 15 to 21 pages long.
Adams recommends that consumers start the application process right away when the exchanges open in October, because as 2014 approaches, the deadline for when all Americans must have health insurance, the rush of last-minute applicants may bring the enrollment websites crashing down. “Our fear is that people are going to put it off til New Year’s Eve, and by then the sites will be overloaded and Navigators will be overloaded,” Adams says.
Ya think? Also, I’d use a health insurance agent that’s worked in the field awhile, not a newly trained “Navigator”. Your costs will be the same.
Finishing the task would take slightly more effort than watching cartoons, and that’s where the trouble starts. Sadly, we are a nation stooping to the lowest common denominator of everything and apparently that holds true for the most important annual purchase that any family will make.
Simply put, the 21-page form is as simple as it can reasonably be, and anyone who can’t fill it out will get help. It’s worth looking at, because Connecticut plans to use the federal version — states are allowed to design their own if they want — and because this whole flap about the complexity of the forms is nothing but political posturing by people who want Obamacare to go away, or to offer even more services to lazy Americans who now must exert a little bit of effort to deal with their well-being.
Well, I don’t know but we’ll find out soon enough.