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ACA aka Obamacare: Share your story!
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cowboy1970 Offline

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Post: #1
ACA aka Obamacare: Share your story!
I live in WA state. When the ACA was passed about four years ago, my insurance (I have removed this insurance company name because even though my first policy before ACA was different from my post ACA policy and the third policy that included my doctor was again different, I am sure they are all owned by the same 1% that owns the oil companies, media outlets, and Fortune 500 companies, so I am removing and avoiding all names) immediately informed me that they needed to up my
premium, which they did. Then three years go by and the ACA becomes active and they tell me that they have to raise me again, still no change in benefits. Then finally when WA Health Plan Finder comes online, my policy
is magically one of the 290,000+ policy that is auto cancelled for whatever magical reason they pulled out of their asses.

(Insurance company #1) then offers to auto sign me to a new (much more expensive) policy
with worse deductible and out of pocket, and no improvement in benefits in any other area. I said, 'Hell no!'

I decide to begin to apply online at wahealthplanfinder.org. I get about half way signed up and then receive an error code on the site, and a phone number to call.

My attempted phone calls begin about three months before Christmas. I keep getting a message that states 'do to the number of phone calls' and then it auto hangs up on me. Sometimes it would put me on hold for 20 mins or more (by the way, I only have a cell phone (5 for the fam) and we share 1400 mins!) and then auto hang up on me. I didn't get to a live person until January 2014.

Once I finally got to a person, it was some call director who would then tell you that the wait was at least 30 mins and then put you on hold. I have numerous pics of my calls that were auto hung up after 20-45mins of being on hold!

Finally in February, I get past the 'call director' to another person, who then tells me that they cannot correct that error and here is a different number to call! The second number only takes a couple days to get through and they fix it and tell me to call the main number back to finish signing up.

I am able to log into the site and see my policy choices and I call my doctor and said, "Hey do you guys take 'this' (insert specific insurance company here lol)?" They respond that they do. I start another barrage of phone calls and finally get to a person and get signed up to THAT insurance. I make a payment online and am sent a receipt email showing payment and coverage to begin March 1st. My wife and kids are Choctaw natives and so they are on a separate policy (hence one of the many errors that freaked the website out). I get them signed up as well. All done by first week of February.

Then I get my shiny plastic insurance card in the mail (nothing like the smell of fresh financial scam in the form of a plastic wallet card) and am directed to go to the insurances website and setup a new account and list my doctors/hospitals preferences. THEN, I find out that my family doctor of six years is OUT OF THEIR NETWORK and I can keep seeing him
if I don't mind paying 10x the out of pocket. (by the way, this new ACA policy is crappier than my original policy of four years ago)

So then, I go back to the website and my account is totally locked up and I contact a leech (I mean local insurance salesperson) and they tell
me that I have to CALL WAHPF to reopen my enrollment to change policies. It is now midfebruary and I begin my barrage of calls again. Finally get through and they 'open' my account, so I can pick another policy to cover my family doctor.

-------------------------------------------------------------
SIDEBAR: I am not particularly pleased with my current family doctor. He's young and actually has to google stuff before he can answer me! He is superphobic about pain management even though I have horrible gout attacks and it is all recorded and tested. The REASON I wanted to keep him is because I went through the first insurance's list of doctors and clinics and even called to confirm and it was horrible. They listed only three doctors in my town and I would have to drive 14 miles to see other doctors on their list. I called the three and I kid you NOT, here is what I found out....

Doc #1: Only in my town one day a week, currently Saturday. Not a real family doctor, mostly show up and wait in line until seen.

Doc #2: Urgent care only, no appointment. Also not a family doctor.

Doc #3: Retiring and shutting down his clinic in June, should not even be listed with them as taking new patients. His partner is also retiring so the entire office will be shutdown and staff 'let go.' Partner is shutting down because of the ACA!

So, I have no viable options in my town and must travel 14 miles or more to get anything down.
---------------------------------------------------------

Ok, so I go back on the website and sign up for new policy and make ANOTHER PAYMENT and am told that policy will start in March. Then I recieve an email that says it will start in April. THERE IS NO EMAIL OR STATEMENT TELLING ME THAT I AM NO LONGER COVERED FOR MARCH!

I got my card, I got my website account setup. I got a lot of other stuff on my plate to do and life moves on for a few weeks....

THEN BAM! March 5th, 2014 I get extreme chest pain in the morning. Like, it feels like a brick is being shoved through my heart with all the square jagged edges scrapping my soft pink little arteries. Anyway, I end up in the emergency room. In between screaming and crying, I present my shiny new card. I am rushed into the 'cath' lab and wake up to be told they put a stent in my 'widowmaker' and that I am very lucky to be alive. I am moved upstairs into the hospital cardiac ward for observation. My loving wife never leaves my side and even sleeps in a chair beside my bed each night. (I can only assume my three teenagers were having the party of their lives at home in our absence.)

Anyway, A 'financial consultant' shows up in my hospital room and timidly asked if now is an okay time to talk about financing. (this is the morning of the first day in observation). I say sure and she hands me back my plastic card and informs me that my insurance claims I don't have a policy with them. They don't know who I am!

If you read this far, then you know where I was going since I mentioned the heart attack.

THE ACA which was enacted to make sure that everyone had health insurance coverage.... took my money, never refunded me or informed me of any coverage drop AND then cancelled my first policy and bumped me out a month. That's right, no insurance till April 1st! (my birthday btw)

So, upon hearing this, I ask to be discharged immediately because I don't want to incur anymore debt for my family of five (barely making it already) and I tell them cancel ALL follow up appointments to the cardiologist. (they want to see you in two weeks and then every month for two years after going through what I did and they want you to take a series of super expensive drugs that will totally screw up your body chemistry, so much so that even blood donation centers don't want the toxic sludge pumping through your carcass)

but I digress, anyway, they tell me that I CANNOT leave for any reason. I must stay for 48 hours at least. They insist I see my cardiologist in two weeks. (mind you, I have a hole to the side of my groin where they skewered my from balls to heart) I check out after 48 hours and insist that they cancel my follow up until I have gotten ahold of WAHPF and straighten this out.

Anyway, I get ahold of them and they tell me that it MAY be covered and that they will let me know in a week.

I swear, if this goes bad (well it's already bad), I will be telling my story to any journalist that will listen (which isn't many because they are all obama zombies that spread liberal propaganda rather than the truth.)

I was already freaking out that I was basically facing my deductable and out of pocket limits all at once, but now I could be facing a $100,000 bill.

I am sure I will also be finding all the other 'little' things they weasel out of covering.

It's enough to give a guy a heart attack! This was/is my experience so far. What's yours?

Below is a pic collage of phone screens where i got autohung up on after being on hold. Mind you, this is only a few examples of when I was so pissed I had the presents of mind to snap a shot of it. Also, this is after i was able to talk to the 'call director' and then placed on a different hold system. The final shot of the Alcatel is when I got home from the hospital and spent two hours on the phone with WAHPF explaining how they screwed me. I found it ironic that my cardiologist insisted no stressful activities until he sees me two weeks from now.
(This post was last modified: 03-13-2014 07:52 PM by cowboy1970.)
03-13-2014 07:07 PM
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pumpkln Offline

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Post: #2
RE: ACA aka Obamacare: Share your story!
Sorry to hear you have been through so much Sad. Give your senator a call about this, sometimes they can help.
My story,
I called my health insurance agent, set up an appointment, went over the policies and providor networks. Took the information home. A week later went for the second appointment after choosing a policy.
Agent went on line with me sitting there, signed me up, I paid first month on line (600 less than old policy).
I received my cards January 2nd.
So far all my claims have been paid.
In a year I will know if I am happy with the ACA.
03-13-2014 07:46 PM
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justMongo Offline

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Post: #3
RE: ACA aka Obamacare: Share your story!
@cowboy1970

You should direct this to your congress critter. Since it has political overtones; and the site is a non-profit, they cannot post political opinion material.
(Even if all your facts are 100% true!)

So, I think a moderator will likely lock or delete this thread.

INFORMATION ON APNEA BOARD FORUMS OR ON APNEABOARD.COM SHOULD NOT BE CONSIDERED AS MEDICAL ADVICE. ALWAYS SEEK THE ADVICE OF A PHYSICIAN BEFORE SEEKING TREATMENT FOR MEDICAL CONDITIONS, INCLUDING SLEEP APNEA. INFORMATION POSTED ON THE APNEA BOARD WEB SITE AND FORUMS ARE PERSONAL OPINION ONLY AND NOT NECESSARILY A STATEMENT OF FACT.
03-13-2014 08:01 PM
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herbm Offline

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Post: #4
RE: ACA aka Obamacare: Share your story!
Had my insurance for 20 years -- liked my insurance -- insurance company sent a letter that due to the new requirements of the ACA aka Obaminal Care they had to cancel.

He lied. Plain and simple: He lied repeatedly to ME for certain.

Went to the website, got an estimate: great price.

Went through the whole procedure and found it was over 3 times as high.

More lies.

I design, build, troubleshoot systems for one of the largest states in the US -- large enough it would be about the 6 largest country it it weren't a state.

My specialty is fixing things NO ONE else can fix.

The web site is irreparable. Anything that complicated that can't be completed or fix in the time they have taken is too complicated to ever work correctly.

It will eventually be junked.

They may call it "improved" but it will be essentially GUTTED, and not too long from now.

Sweet Dreams,

HerbM
Sleep study AHI: 49 RDI: 60 -- APAP 10-11 w/AHI: 1.5 avg for 7-days (up due likely to hip replacement recovery)

"We can all breathe together or we will all suffocate alone."
03-13-2014 08:17 PM
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me50 Offline

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Post: #5
RE: ACA aka Obamacare: Share your story!
maybe the mods will move it to off topic. I haven't had to deal with ACA fortunately and I sure don't want to
03-13-2014 08:40 PM
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SuperSleeper Offline

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Post: #6
RE: ACA aka Obamacare: Share your story!
Thread moved to Off-Topic Forum, since it's not really about CPAP or sleep apnea. Please feel free to continue the discussion here. Also, I'd advise everyone to read the rules & policies for this forum, here:

http://www.apneaboard.com/forums/Thread-...STING-HERE

SuperSleeper
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INFORMATION ON APNEA BOARD FORUMS OR ON APNEABOARD.COM SHOULD NOT BE CONSIDERED AS MEDICAL ADVICE. ALWAYS SEEK THE ADVICE OF A PHYSICIAN BEFORE SEEKING TREATMENT FOR MEDICAL CONDITIONS, INCLUDING SLEEP APNEA. INFORMATION POSTED ON THE APNEA BOARD WEB SITE AND FORUMS ARE PERSONAL OPINION ONLY AND NOT NECESSARILY A STATEMENT OF FACT.

03-13-2014 09:34 PM
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retired_guy Offline

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Post: #7
RE: ACA aka Obamacare: Share your story!
This thread is going to get real political real quick. This is the worst kind of bad idea for a site such as this. Mod, you really need to lock this down.
03-13-2014 10:43 PM
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Don in Austin Offline

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Post: #8
RE: ACA aka Obamacare: Share your story!
An awful lot is being blamed on Obamacare. It certainly has some problems. But we certainly have had some profound problems with our health care system in the USA for some time. Health insurance rates have been going up at several times the rate of inflation or the GNP long before anybody ever heard of Obamacare.

This morning I came out and the right rear tire on my car was flat. Already late to work, I put on the spare. Halfway to work the spare went flat -- Its that damn Obamacare!

My wife told me tonight she wants to move to a separate bedroom -- Its that damn Obamacare.

Not much sillier than much of what I have heard.

Don in Austin
03-13-2014 11:17 PM
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cowboy1970 Offline

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Location: Tacoma, WA

Post: #9
RE: ACA aka Obamacare: Share your story!
I agree that we needed health care reform for some time.

I don't think this was it. I also have a big problem with who was
given the contract to do the website that doesn't work. Horrible waste
of resources. There were also alot of promises that turned out to be
completely false. Wait till the small business taxes are implemented...
it's coming AFTER the elections now. lol

I am neither Republican or Democrat. I vote for the lesser of
two evils in my opinion.
03-14-2014 02:20 AM
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SuperSleeper Offline

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Post: #10
RE: ACA aka Obamacare: Share your story!
Again, please read this stickie post on rules for posting in this forum:

http://www.apneaboard.com/forums/Thread-...STING-HERE

Heated discussions will occur here in the Off-Topic forum, that's one of the reasons as to why we put this forum here in the first place. If members don't want to read what's posted here, they should not come to the Off-Topic Forum. Also, as stated in my link above, members can choose to put another member on their "ignore" list. Our Moderators take a hands-off approach to threads in this forum, unless a rule has been broken or the thread becomes excessively disruptive. That has not happened in this thread yet. All that I've seen so far has been an expression of personal opinion.

We don't shut down or close threads in the Off-Topic forum simply because someone expresses an opinion that is controversial, political or religious in nature.

Remember: this Off-Topic Forum is separate from the Main Apnea Board Forum for a reason. We allow much greater latitude and freedom here.

Thanks for your understanding.

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INFORMATION ON APNEA BOARD FORUMS OR ON APNEABOARD.COM SHOULD NOT BE CONSIDERED AS MEDICAL ADVICE. ALWAYS SEEK THE ADVICE OF A PHYSICIAN BEFORE SEEKING TREATMENT FOR MEDICAL CONDITIONS, INCLUDING SLEEP APNEA. INFORMATION POSTED ON THE APNEA BOARD WEB SITE AND FORUMS ARE PERSONAL OPINION ONLY AND NOT NECESSARILY A STATEMENT OF FACT.

03-14-2014 08:33 AM
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