Perhaps this is whats wrong with the ZeroCare web site ...

[Chadeaux]

Perhaps this is what's wrong with the ZeroCare web site ...

Had trouble this morning trying to do my civic duty (apply for ZeroCare) on their website.

While trying to get assistance, I found out that General Dynamics (yep, the Defense Contractor General Dynamics) is the group responsible for the website and all "live chat" that may take place (so when you need help completing your application, you speak to a person who works for General Dynamics ... ).

I noticed a bit of funny business going on in the background (forbid most javascript that isn't necessary to the job at hand - ie third party websites).

Apparently they want to give us a "gift" for applying. Couldn't track down what it was, but if you want to see the healthcare.gov site throw a fit, run it from a virtual machine or in a sandbox.

It ain't happy!

So, I apply for myself, my wife and daughter. I enter our information and click continue. Then it asks me for the same information again. It was interesting to find out that I am married to someone other than my wife, while she is married to herself (at least that is the way the site shows everything).

If they can't get the website right in 4 years, how long will it take to get anything else right with this bunch of dingbats

As Forrest's mom said: " Stupid is as stupid does". So very applicable to this bunch of jackwagons!!!

 

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[pat-tekker-cat]

It may be another plan to have the bill(law) fail.
From what I've heard, they have to get 7 million ppl to enroll for all this to get implemented. How is ocare going to penalize everyone for not enrolling, when their own website will not allow enrollment(or it's so difficult the vast majority give up)?

I do believe it's another system of wasting time and money.
Someone is making some big bucks in contracts off this whole thing, not real sure who exactly........
I'm sure time will tell, when someone figures out where/who all the "money" went to, for all this.

 

[Chadeaux]

I'm still working on getting this done. Started at 9:40 AM, it is now 2:51PM. I've called, I've chatted, I've emailed ... apparently they don't understand the meaning of that simple 4 letter word


HELP!!

They make the law so that I am required to sign up (employer discontinuing my insurance December 31, 2013) but on the other hand they make it IMPOSSIBLE to sign up.

 

[pat-tekker-cat]

Employer terminating insurance............ whatever happened to COBRA?
If they're still around, you may find their premiums tame, compared to O's sliding scale fee.
Doesn't it work, the more money you made last year, the more you pay for ocare? Plus the deductibles, plus the outta pockets, does that include dental and vision?
I'd be telling ocare when they get a system that works, then I'll devote some time to signing up. Otherwise, you'll be bones at the computer waiting for "HELP". Wait till you need medical HELP! This is only a painless computer process, they've made to waste your time and does nothing!

I was on the phone about a half a day to get an outta network emergency care claim processed and paid. I can't even get cigna to pay me, the patient, for services I paid for outta pocket. They default the check to the "policy holder".
I can fight it up through claims reprocessing, but, I got better things to do with my time, than talk to CSR's at an ins company, that him or his mgr can't even sight me internal company policy sources, don't know phone numbers to claims, and can't even answer simple claims processing questions.
See how easy one can give up...... and they are GIVING me money, not taking it from me.(well, just reimbursing me).

Having been(in the past) a hospital claims submission specialist(term used lightly, as it's more of a battle of wills and egos) for a decade and a half, I can tell you this, there are many in this country got no clue as to how to process claims or even understand half the terminologies that are used in the industry. They do not worry about how the bills get paid and have "other" things in life that are more important, than being pro-active in their own health, healthcare, and insurance nonsense. A lot of ppl simply don't want to be bothered. The ppl at the insurance companies KNOW IT, and waste time and money, making claims processing as painful as possible, not only for the patient, but for the doctor or providers, too!

Looks like everyone gonna get the chance to get educated about it now.

 

[MT_Joe]

Got my COBRA letter yesterday. My employer insurance was 435 a month thru BCBS. COBRA wants 1250 for the same plan. So much for that.

 

[Red James Cash]

How is ocare going to penalize everyone for not enrolling, when their own website will not allow enrollment

Pat its the same deal with Fema and DHS.Fema says to stock up on extra food,DHS says if you stock up on extra food youre under suspicion of being a domestic terrorist.

 

[Chadeaux]

Employer terminating insurance............ whatever happened to COBRA?

COBRA? I'm looking at hours being cut as well. Anyhow, I earn about 28k annually. We kinda like having a roof over our heads and food on the table along with heat in the winter. That would preclude my paying for insurance. Of that 28k, according to Zerocare's own calculator, my premium for myself, my wife and daughter is 14k.

I'm 56 years old. I have diabetes and high blood pressure and heart disease. I could not afford insurance even if it were available. With my conditions, I likely can't get insurance even if I spent my entire paycheck on only my insurance.

How do people live on 14k a year?

Actually, if the hours are cut (if I even still have a job) that 28k could likely become 21k. That would leave us with 7k to pay auto insurance, food, lights, water, mortgage, fuel, etc.

I'm one of those odd people. Even though I hate the law with all my being, I'm being dragged kicking and screaming to be forced to live under the "Affordable Care Act"

My employer showed me where in the last year our premiums have doubled. In a small business, that is a killer when you are fighting to get from paycheck to paycheck. He simply cannot afford to cover us any longer.

 

[pat-tekker-cat]

Got my COBRA letter yesterday. My employer insurance was 435 a month thru BCBS. COBRA wants 1250 for the same plan. So much for that.

Oh ouch, so sorry. If you had to compare that to ocare(with it's deductible/outta pocket benefits), it might not seem so bad. sad to say.......
Please do try to be and stay well.

Pat its the same deal with Fema and DHS.Fema says to stock up on extra food,DHS says if you stock up on extra food youre under suspicion of being a domestic terrorist.

Well then, I guess I been a dt all my life, cause this IS the way of life I was brought up in. When the crops come in, you store and put them up, for when there are no crops. DUH!
Sorry, but everybody in this country DID NOT grow up in a big city, running to the grocery store, every time a little bread or milk ran out.

Obamas' own words: Obamacare is a "fundamental step"........... I for one agree with him on that!


eta: Chad. I didn't see your post when I replied. I don't know how you or anyone else survives on that, especially if not disciplined in spending and consumption habits. I've known ppl use their foodstamps for seeds to plant and grow their food. This is where I feel ocare is hurting folks. Jobs/hours being cut, insurances dropped, spending billions on a program that is COSTING ppl money, taking money ppl don't have! Where this is helping ppl, I'm sorry, someone may need to point it out to me, too!
Do take care of your health best you can, if you don't, you gonna wait for Obamacare to HELP?

 

[Dave44]

Got my COBRA letter yesterday. My employer insurance was 435 a month thru BCBS. COBRA wants 1250 for the same plan. So much for that.

Generally the employer tried to cover half or more of the cost for insurance, Cobra is not subsidized by anyone but the insured. Sorry, about that.

b If it helps here is an alternative,, At least for now. I looked into group insurance for my employees and it was astronomical, Because I am a very small business. But when, on a whim, I looked at my employees buying insurance for themselves outright, I found it cost less than half of group.

I could have paid half for them with group(not that I could afford to) or I could reimburse them for half of their private insurance. They paid much less than they would have with my group rate if I had subsidized it. I doubt that the option will be there much longer, Bocare tries to outlaw shopping.
Hope I am wrong.


This doesn't look good for any of us. Bocare is a slow ruse to single payer.

 

[olroy70]

Employer terminating insurance............ whatever happened to COBRA?
If they're still around, you may find their premiums tame, compared to O's sliding scale fee.
Doesn't it work, the more money you made last year, the more you pay for ocare? Plus the deductibles, plus the outta pockets, does that include dental and vision?
I'd be telling ocare when they get a system that works, then I'll devote some time to signing up. Otherwise, you'll be bones at the computer waiting for "HELP". Wait till you need medical HELP! This is only a painless computer process, they've made to waste your time and does nothing!

I was on the phone about a half a day to get an outta network emergency care claim processed and paid. I can't even get cigna to pay me, the patient, for services I paid for outta pocket. They default the check to the "policy holder".
I can fight it up through claims reprocessing, but, I got better things to do with my time, than talk to CSR's at an ins company, that him or his mgr can't even sight me internal company policy sources, don't know phone numbers to claims, and can't even answer simple claims processing questions.
See how easy one can give up...... and they are GIVING me money, not taking it from me.(well, just reimbursing me).

Having been(in the past) a hospital claims submission specialist(term used lightly, as it's more of a battle of wills and egos) for a decade and a half, I can tell you this, there are many in this country got no clue as to how to process claims or even understand half the terminologies that are used in the industry. They do not worry about how the bills get paid and have "other" things in life that are more important, than being pro-active in their own health, healthcare, and insurance nonsense. A lot of ppl simply don't want to be bothered. The ppl at the insurance companies KNOW IT, and waste time and money, making claims processing as painful as possible, not only for the patient, but for the doctor or providers, too!

Looks like everyone gonna get the chance to get educated about it now.

Cobra........ another guvt run system. cost me over $800 a month in 2003!!!!!!!!!!!!!! certainly NO bargain when ya dont have a job!

 

[jerseyben]

1. COBRA is meant as temporary insurance for a "qualifying life event".
2. COBRA is a product of the Reagan administration.

 

[Chadeaux]

1. COBRA is meant as temporary insurance for a "qualifying life event".
2. COBRA is a product of the Reagan administration.

Trrbl, trrbl republican president! Hey - I typed like Charles Barkley talks!

Made it possible to continue your insurance on a short term basis --- even if you were fired --- how terrible!

 

[jerseyben]

Trrbl, trrbl republican president! Hey - I typed like Charles Barkley talks!

Made it possible to continue your insurance on a short term basis --- even if you were fired --- how terrible!

Not sure if you are directing your comments at me?

I was simply providing some info on COBRA. The poster above me seemed to have some negative things to say about it.

 

[Dave44]

Yeah, Cobra was not meant to carry you forever, It is a filler until you can get coverage somewhere else. Either on your own or through other employment. (Some need to make sure there is no lapse, If you were in the middle of some VERY expensive treatment you would think that price is cheap, comparatively).

 

[UncleMatt]

I am just glad I had insurance before the Affordable Health Care Act when into effect, which renders me exempt from that law.

 

[Dave44]

I am just glad I had insurance before the Affordable Health Care Act when into effect, which renders me exempt from that law.

Kind of .
I guess it all depends on your definition of Exempt.

 

[UncleMatt]

I mean it doesn't apply to me since I already had insurance that meets the minimum requirements. that is in the law.

Also got a letter from BC/BS telling me my coverage and rates would remain unchanged. I think people got all riled up due to all the misinformation being spewed online and on media, but I haven't suffered a single consequence since the ACA took effect.

 

[Treasure_Hunter]

My insurance at work went up last year $120 month and this year $70 month all due to BOcare as per our health provider United Health Care.....

 

[Dave44]

Good luck with that Matt.. Let me know in 1 year, Okay?

By the way, Have you received the letter from your employer that tells you the valuation placed on your insurance yet? Bet you wonder what that Blabber is all about, Huh?

 

[UncleMatt]

Dave, I already got a letter from my employer telling me nothing would change, and my company has 350 offices worldwide, with tens of thousands of employees. So no idea what blabber you are referring to. So sorry my real world experiences don't match up to your political perspective...