I'm on Obamacare!

[JPS]

After learning that the premium for our health insurance plan was going up by 300% to make the plan compliant with ACA/Obamacare standards (according to the employer website) we decided that would be more than we could afford, and we would have to try TennCare or Obamacare. 

 

TennCare advised we were not eligible, so we tried Obamacare…  After 4 weeks and numerous attempts to apply on-line, I finally got far enough to learn that while my wife and I could be covered, my 3 kids were “Not eligible to purchase”, and would not be covered by any plans offered through Obamacare.  OC ‘Navigator’ told us that this was ‘probably a mistake’, and that they would likely be covered by TennCare after changes coming Jan 1^st took effect.  We had to start an appeal of the decision, and are now waiting for resolution.

 

So – bottom line:  Wife and I are signed up, paying a little more than what we did before for a new ‘Silver’ plan that covers about 80% of what used to be covered.   (I guess though that we can get free contraceptives and are covered for that sex-change operation that we’ve been putting off for so long.)  My kids have no health insurance, at least until TennCare gets back to us about whether they’re eligible, or the Obamacare gods decide we can add them to our plan.

 

 

Anyone else enjoying the benefits of Obamacare?

[KOM2]

Maybe your kids can get Cover Kids? We've had that for about 5 years now. My wife and I had Cover TN but that ends today.

[Ted S.]

Losing my health insurance plan. Got a letter from my insurance in late October. Then another in December informing me I can keep it for another year. One more. Still losing a perfectly good plan that I budgeted for. This pushed me into my current support for anarcho-capitalism. I no longer hold a belief that it is requisite for a group of people to control the lives if others. Sent from somewhere in the cosmos using magic...and bacon. Edited December 31, 2013 by Ted S.

[Monkeyman2500]

I was one of the lucky ones I guess. Still got an 80/20 plan through work, but it did get changed. 6k deductible, terrible prescription coverage, and lost 400 on my hsa, but hey I guess it's better than nothing.

[Randall53]

(I guess though that we can get free contraceptives and are covered for that sex-change operation that we’ve been putting off for so long.) 

Hmmm....y'all will BOTH have to get that sex change operation....otherwise y'all will be gay. LOL

[JPS]

Maybe your kids can get Cover Kids? We've had that for about 5 years now. My wife and I had Cover TN but that ends today.

 

We checked and were told no in early Dec, but ACA Navigator guy said eligibility requirements change Jan 1 and they should then be able to get it.  (Would have been nice if the TennCare people told us to try again in Jan instead of just saying no..)

 

I'm not a 'sue-em' kinda guy, but I swear that if anything happens and my kids aren't covered because they were 'ineligible' for Obamacare......!

[JPS]

Hmmm....y'all will BOTH have to get that sex change operation....otherwise y'all will be gay. LOL

 

Yeah, but if we're gay, isn't everything covered?

[maroonandwhite]

Luckily I haven't been affected yet. I have had my own personal plan through Farm Bureau of TN for almost 5 years now and it is grandfathered in. My rates have yet to skyrocket but i'm afraid it's coming. My wife currently still has insurance with her work but with our move to Nashville coming up hopefully she can get another banking job with decent insurance.

[Randall53]

Luckily I haven't been affected yet. I have had my own personal plan through Farm Bureau of TN for almost 5 years now and it is grandfathered in. My rates have yet to skyrocket but i'm afraid it's coming. My wife currently still has insurance with her work but with our move to Nashville coming up hopefully she can get another banking job with decent insurance.

Employer mandates hit next January. Letters of cancellation in October. The "Second Wave" you might say.

[Randall53]

Yeah, but if we're gay, isn't everything covered?

LOL.....you have a good point. Plus you'll save on contraceptives if they get kicked outta Obamacare.

[enfield]

Let us know how it works out the first time you need care.  Also curious as to how fast they pay.

[LawVol]

My wife and girls are signed up. My wife started the process on day 1 and wasn't able to shop the marketplace until mid December. Each little step, from registering to picking a plan to paying for the plan, was an ordeal, and the Obamacare 'navigators' were absolutely clueless. We finally ended up with a pretty good policy, and while it's more expensive than the private policy they were on this year, I think we'll come out ahead with better benefits. It was still much cheaper than my work's family coverage.

[East_TN_Patriot]

Well, from these posts, it looks like Obamacare is not a failure after all.

[Lumber_Jack]

How is it even conceivable that children don't qualify??? At the very core of human decency it should at least be the other way around. Very disturbing. Please update with what you find out.

[UncleJak]

[quote name="Lumber_Jack" post="1087144" timestamp="1388541288"]How is it even conceivable that children don't qualify??? At the very core of human decency it should at least be the other way around. Very disturbing. Please update with what you find out.[/quote]it's obamacare; nothing's shocking Sent barefoot from the hills of Tennessee

[Randall53]

If the hammer falls on my insurance (it hasn't yet but probably will in the fall) I'll just pay the penalty and sign up if or when I get really sick....pre-existing conditions won't matter any more....right?

[Garufa]

How is it even conceivable that children don't qualify??? At the very core of human decency it should at least be the other way around. Very disturbing. Please update with what you find out.

 

What are the ages of OP's children?

[Lumber_Jack]

[quote name="Garufa" post="1087194" timestamp="1388546749"]What are the ages of OP's children?[/quote] Good question. I made an assumption they were under 25

[Oh Shoot]

Good question. I made an assumption they were under 25

 

Not sure ACA  mandates that insurance companies have to insure folks over 18 but not over 26 on parent's insurance? Meaning, it allows it, but companies don't have to offer it?

 

I could be wrong.

 

- OS

[Randall53]

Not sure ACA mandates that insurance companies have to insure folks over 18 but not over 26 on parent's insurance? Meaning, it allows it, but companies don't have to offer it?

I could be wrong.

- OS

But Obama promised...right? Could this be yet another lie? Hmmmmm. Makes one wonder don't it! Edited January 1, 2014 by Randall53

[Mike.357]

Not sure ACA  mandates that insurance companies have to insure folks over 18 but not over 26 on parent's insurance? Meaning, it allows it, but companies don't have to offer it?

 

I could be wrong.

 

- OS

 

maybe I am simplifying but doesn't everyone get insurance through Obamacare?  How could anyone be left out?

[Randall53]

maybe I am simplifying but doesn't everyone get insurance through Obamacare?  How could anyone be left out?

Simplifying Obamacare would be harder than driving the titanic through the ice fields blindfolded and not hitting an iceberg.

[Oh Shoot]

maybe I am simplifying but doesn't everyone get insurance through Obamacare?  How could anyone be left out?

 

Yeah, I don't get it either, especially assuming the kids are minor dependents. I mean, any health insurance company will sell ya a family policy. First thing they ask on healthcare.gov is whether you're applying for individual or family policy.

 

- OS

[56FordGuy]

Yeah, I don't get it either, especially assuming the kids are minor dependents. I mean, any health insurance company will sell ya a family policy. First thing they ask on healthcare.gov is whether you're applying for individual or family policy.

 

- OS

 

I still have trouble grasping how anyone 18+ can be on their parent's insurance, much less 25/ 26.

[Oh Shoot]

I still have trouble grasping how anyone 18+ can be on their parent's insurance, much less 25/ 26.

 

Yeah, I know. It's 26 actually. Quick Google seems to reveal that it is a mandate to insurers to do it if the family wants to.

 

Course, the best irony, every one is one less of the "young and healthy" they need to make the math work by buying their own individual coverage at a higher rate than the family coverage extra for him/her.

 

- OS

Edited January 1, 2014 by Oh Shoot