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British Expats (https://britishexpats.com/forum/)
-   USA (https://britishexpats.com/forum/usa-57/)
-   -   ACA application woes, anyone? (https://britishexpats.com/forum/usa-57/aca-application-woes-anyone-847317/)

Giantaxe Dec 16th 2014 4:11 am
Re: ACA application woes, anyone?
 
Originally Posted by Mrs Danvers (Post 11504360)
I'm not sure you read the article. I do know that people are covered for things they do not use. Much was made over gynecology costs passed over to men. However this is asking people to buy a separate policy for pediatric dental insurance that they can't use because they are adults. It isn't even connected to a dental policy. It's connected to health care coverage.

It would be like when being sold a policy to cover a car, being told to buy coverage for a motorcycle that you don't own.
This is the kind of small issue a rational Congress would address, as has been the case with every other piece of prior large legislation. But unfortunately we have one party that would rather vote 50+ times for complete repeal rather than work constructively to fix the glitches.

Mrs Danvers Dec 16th 2014 4:12 am
Re: ACA application woes, anyone?
 
I understand where you are coming from, but the third party insurance isn't a separate policy and you may well one day get to use it in the event you get in a collision with an uninsured driver

scrubbedexpat099 Dec 16th 2014 4:17 am
Re: ACA application woes, anyone?
 
Trying to make logical such a system makes no sense and ends up with you banging your head up against a wall.

More a tax than insurance. Look at it that way and hurts less.

Michael Dec 16th 2014 4:33 am
Re: ACA application woes, anyone?
 
Originally Posted by Mrs Danvers (Post 11504380)
I understand where you are coming from, but the third party insurance isn't a separate policy and you may well one day get to use it in the event you get in a collision with an uninsured driver
I'd agree with you if insurance costs were skyrocketing as the republicans warned that it would but instead health care inflation has been the lowest in 50 years with all of the dumb ACA regulations. Now there appears to be small amounts of unnecessary or even stupid coverage but no longer do insurance companies need high priced lawyers and accountants trying to put fine print into insurance policies, teams evaluating health records, and teams running risk analysis figures trying to determine who to cancel or put into high risk pools to increase the profits of the insurance company.

Mrs Danvers Dec 16th 2014 5:34 am
Re: ACA application woes, anyone?
 
Originally Posted by Michael (Post 11504412)
I'd agree with you if insurance costs were skyrocketing as the republicans warned that it would but instead health care inflation has been the lowest in 50 years with all of the dumb ACA regulations. Now there appears to be small amounts of unnecessary or even stupid coverage but no longer do insurance companies need high priced lawyers and accountants trying to put fine print into insurance policies, teams evaluating health records, and teams running risk analysis figures trying to determine who to cancel or put into high risk pools to increase the profits of the insurance company.

I think you'd actually agree with me if you were the one having to buy the pediatric dental insurance for a mythical child. However I will agree to disagree.

Michael Dec 16th 2014 5:45 am
Re: ACA application woes, anyone?
 
Originally Posted by Mrs Danvers (Post 11504508)
I think you'd actually agree with me if you were the one having to buy the pediatric dental insurance for a mythical child. However I will agree to disagree.
Or if I had to buy maternal care, contraceptives, gynecological care, or breast cancer insurance for my mythical wife.:unsure:

Mrs Danvers Dec 16th 2014 5:53 am
Re: ACA application woes, anyone?
 
Originally Posted by Michael (Post 11504521)
Or if I had to buy maternal care, contraceptives, gynecological care, or breast cancer insurance for my mythical wife.:unsure:
are you buying a separate insurance policy for your mythical wife?

Michael Dec 16th 2014 6:07 am
Re: ACA application woes, anyone?
 
Originally Posted by Mrs Danvers (Post 11504526)
are you buying a separate insurance policy for your mythical wife?
Actually I'm retired but that is part of ACA but I would have been happy to pay for that when I was 57 when I tried to purchased health insurance through a private company but because my health records indicated that I had fatigue, I was put into a risk pool with a $10,000 deductible, 30% copay, no prescription drugs, and unlimited out of pocket expenses for $600 per month. Today an ACA policy with $6,200 maximum out of pocket expenses is also about $600 for someone aged 57 and I would be paying for conditions that wouldn't affect me whether it is included in the primary policy or a separate policy.

Giantaxe Dec 16th 2014 6:25 am
Re: ACA application woes, anyone?
 
Originally Posted by Mrs Danvers (Post 11504526)
are you buying a separate insurance policy for your mythical wife?
Are you implying you would be happy to pay for pediatric dental coverage if it weren't in a separate policy?

Mrs Danvers Dec 16th 2014 6:45 am
Re: ACA application woes, anyone?
 
Originally Posted by Giantaxe (Post 11504550)
Are you implying you would be happy to pay for pediatric dental coverage if it weren't in a separate policy?
No, not really. I get frustrated with insurance at the best of times and this should have been taken care of. I Know the ACA is better than the system that was in place prior to the law being made. It doesn't make it wonderful. It's all a bit of a dogs dinner

sir_eccles Dec 16th 2014 6:56 am
Re: ACA application woes, anyone?
 
Originally Posted by Mrs Danvers (Post 11504025)
Additionally had we signed up on the state exchange she would need a pediatric dental insurance policy. Even adults have to have one.

Obamacare quirk makes childless people buy pediatric dental insurance - MarketWatch
Just a quick fact check while I have my lunch:

http://www.healthinsurancecolorado.n...2014-policies/
You are not required to have pediatric dental coverage on your plan if you buy your coverage through Connect for Health Colorado. Some states are requiring the purchase of pediatric dental within the exchange, but Colorado is not. You can opt to purchase just a medical that does not have embedded pediatric dental. The exchange will remind you of the availability of pediatric dental coverage when you apply, but you are not required to purchase a plan.
Further:
Tip: If you enroll off-exchange, everyone on the application is over age 19, and you attest that you do not have pediatric dental coverage from another carrier, your carrier will enroll you in a $0 premium “adult pediatric” dental plan. The coverage on this plan is for children only, so adults enrolled on it will have no dental coverage. But they also will not have to pay premiums for pediatric dental coverage if they have no children on the plan (off-exchange applicants who do have children and do not have pediatric dental from another carrier will have to enroll in a medical plan that has embedded pediatric dental coverage, which includes a higher premium).

Mrs Danvers Dec 16th 2014 7:08 am
Re: ACA application woes, anyone?
 
Oh. Well if I'd ever gotten to sign up through the ACA Site i would have found that out

Giantaxe Dec 16th 2014 8:13 am
Re: ACA application woes, anyone?
 
Originally Posted by Mrs Danvers (Post 11504564)
No, not really. I get frustrated with insurance at the best of times and this should have been taken care of. I Know the ACA is better than the system that was in place prior to the law being made. It doesn't make it wonderful. It's all a bit of a dogs dinner
Surely, small things like this are rather outweighed by other parts of the ACA, such as the fact that insurers can no longer refuse and can no longer dump you based on a pre-existing condition?

Anyway, it seems that in CO you shouldn't have had to pay for pediatric dental coverage whether you bought either on or off the exchange.

Mrs Danvers Dec 16th 2014 10:08 am
Re: ACA application woes, anyone?
 
There are perhaps bigger things to piss and moan about. However it's a thread about the affordable care act sign up. Which for whatever reason we were unable to do on the government website.

Michael Dec 16th 2014 11:13 am
Re: ACA application woes, anyone?
 
Originally Posted by Mrs Danvers (Post 11504754)
Which for whatever reason we were unable to do on the government website.
The tally is expected to grow since traffic on the federal exchange was heavy in the three days before the Dec. 15 deadline for coverage to begin in January. More than 3 million people visited the site during that time and 1.6 million reached out to the call center.

Obamacare signups surge for 2015 | Business - Home


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