Affordable?

Go pour yourself a glass of something and sit down. This will take a while.

Ready?

So…last month, my buddies at Covered California called me on April 8 to tell me that the deadline to make my initial payment was April 10. I never did get the letter with the PIN I was supposed to use to pay them. I gave them my credit card number, flinching at the $351.01 (don’t forget the penny). Oddly, my insurance was effective April 1, or a week before I made the payment. April Fool’s?

A couple of weeks later, I received my membership card and instructions on how to register on line. Needless to say, the website did not recognize the membership number on my card, so I was reduced to calling the behemoth bureaucracy.

When I finally got through to an actual person (who was quite nice), I got the bad news, and then the bad news:

  1. Dr. Sue and the entire clinic are not covered by the très expensive insurance. So I can either go to a whole new, unknown doctor or keep paying for the annual visit myself. So I’ll be paying $351 a month for insurance I can’t use (unless something really bad happens – always a possibility).
  2. Because they were so late in billing me this month – apparently, the bill that went out yesterday should have gone out on the 22nd, they are billing me for May and June at once, or $702.02. Yay!

I have to say, I’m not vey impressed with this whole thing. I do not find the Affordable Care Act affordable at all. Even though my job is supposed to defray $400 of the $702, that still leaves me with a $300 payment for insurance I can’t use, and that’s not even considering all the bureaucratic idiocy that accompanied the entire process. It’s been a complete débâcle from start to finish, and the end result seems to be that I’m paying a lot for nothing.

Later: Just got a letter dated March 27, sent to my house’s address rather than the mailbox where I actually get my mail, telling me that I owe my first premium. Which I paid last month. Did I mention that one of the first things they asked me on the phone today was my mailing address, which they said matched their records? You can’t make this up!

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3 Comments


  1. Unbelievable, one would think this whole insurance thing would be better organized, incredible what bureaucrats will do or not, sorry to hear this Suzy, keep the faith, perhaps it will all end well in the long run.


  2. I guess there are always bugs to work out when you’re rolling out such a huge program. Hopefully it will become less expensive over time as more people join.


  3. Sounds like a nightmare to me….so sorry that you are involved in such a mess.

    jx

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