Obamacre and the Insurance Marketplace

Hooty Hoot

Gone but not forgotten
I lost my insurance coverage at the end of August when my wife retired. We went online and purchased a Blue Cross policy. It was not cheap and we did quite a bit of research prior to signing up. Today, I had a Doctors appointment and this gave me my first opportunity to use our new insurance. I was told that Piedmont affiliated facilities do not accept marketplace insurance. NONE OF THEM AND NONE OF THE PLANS. As I stood there with my heart racing and anger building, I knew that my temper was about to go. I cooled down though and paid cash for my appointment with a specialist. All that I really got was refills for all my prescriptions and no actual doctoring.

When I went to the pharmacy to fill my prescriptions, Blue Cross refused to honor the prescriptions as the practice and doctor were not honoring their plan.

I have never been that shook up and mad when something bad did not happen. There was just no one there that I could smack or choke that deserved it. I'm to old for that anyway.

I've got a lot worse things to say about the whole episode but I can't say them here. I have purchased something that is completely worthless and in my mind that is no different than stealing.
 

NOYDB

BANNED
For the future

Do not assume that anything will work as promised.
Verify before going, to see if the doctor is included. The Dr's office is probably run by a third party. Same for meds. The insurance calls it a formulary. They decide what is covered, not your Dr or his office provider.

And things can change whenever it suits them. Cos get bought and sold. They reserve the right to change anything at any time.

You have to manage the process. The entire time.
 

Dr. Strangelove

Senior Member
You have to manage the process. The entire time.

Yep. I make sure now that every single test, prescription, whatever is covered and what my co-pay is before I do it because I am so sick and tired of dealing with the mess that is insurance today.

Half the time I hear "We can't tell you until you "do the whatever". Seriously? I can't do business this way - I fail to understand how the insurance companies are able.
 

NOYDB

BANNED
Yep. I make sure now that every single test, prescription, whatever is covered and what my co-pay is before I do it because I am so sick and tired of dealing with the mess that is insurance today.

Half the time I hear "We can't tell you until you "do the whatever". Seriously? I can't do business this way - I fail to understand how the insurance companies are able.

Very seldom these days does anyone with any authority ever talk to a live customer. The person on the phone can not authorize actions and is always subject to review. Usually by someone who has never done the job.

And usually doesn't work directly for the company. Customer service is contracted out.

It will get better when it is automated. But the learning curve will take a while.
 

KyDawg

Gone But Not Forgotten
I signed up for my 2018 drug plan today. It is only going to cost me about $600 a month for the meds the wife and I are on.
 

toyota4x4h

Senior Member
I doubt there will be retirement when im up in years..32 now. I can see me having to work up until my funeral just to afford to have insurance and the cost associated with old age.
 

elfiii

Admin
Staff member
It's all going according to plan.
 

KyDawg

Gone But Not Forgotten
This is a fine example of what happens when you remove the free market out of the equation, and insert the gubmint into it.
 

PappyHoel

Senior Member
It's not a marketplace that suggest free market. It's communist health insurance
 

calibob1

COMMIE LOVER TROLL
Congress just came up with a plan to restore the subsidies.
 

sinclair1

Senior Member
We got kicked off bcbs regular and forced into the exchange. it's more than we were paying on the stand alone policy, but my wife's hasn't had any trouble with it.

I haven't been to the doctor in years, but she had a issue and the deductible is paid, so I will get a checkup this winter. :flag:

I wouldn't use it for a standard sickness anyway, I can go to one of the dozen urgent cares and pay $100 for meds if needed vs. $300 at the doctor because the deductible needs paid. Takes about 1/10th the time too.:cheers:
 

K80

Senior Member
How did you get forced inn to the exchange?
 

sinclair1

Senior Member
How did you get forced inn to the exchange?

Our plan expired and as healthy self employed adults they had no plans for us Except the exchange.
I don't see much difference in what we had and what we received thru the exchange. They raised the cost, but we havent had any issues.
My wife had a ER emergency and after the new higher deductible, they picked up the cost like any other plan we had.
I don't go to doctors or need medicine and only have insurance for catastrophic emergencies.:flag:
 

Redbow

Senior Member
Yep, that's the hope and change working for us that idiot Obama and the one's who voted for this mess in Congress stuck us with. We need a big change in government which we will not get with the folks voting the same crazies right back in when voting time comes..I can assure you our elected elite don't have to worry about insurance problems with medical care, they have the best in the world today free of charge more than likely..
 

Hooty Hoot

Gone but not forgotten
What good is providing a place to purchase health insurance if the insurance is not generally accepted. It is all just compounded stupidity. This will never be fixed by the government through legislation. A federal healthcare agency might provide some relief. Not a good thought though. Healthcare is not just an insurance issue but many think that it is. I know this; Congress will never fix our healthcare system. Not in one year, not in one hundred.
 

sinclair1

Senior Member
What good is providing a place to purchase health insurance if the insurance is not generally accepted. It is all just compounded stupidity. This will never be fixed by the government through legislation. A federal healthcare agency might provide some relief. Not a good thought though. Healthcare is not just an insurance issue but many think that it is. I know this; Congress will never fix our healthcare system. Not in one year, not in one hundred.

The system can't be fixed until we do something about the average prescription per person.

The average is 12 prescriptions per year, which means 1 per and growing. Each one requires doctors and testing to keep you dependent on them and the profits flowing. It's a merry go round once you allow it.

Somewhere in society it became normal to just eat pills at 40 and do nothing about it. Pills are for disease and folks too old to maintain a exercise program, not donut eating 40 year olds.::ke:
 

Spotlite

Resident Homesteader
I'm finding more and more meds that insurance doesn't cover.
 
Top