There was no dental or vision benefits for adults in any of the plans. There was an option to add dental and vision as additional policies, presumably with additional premiums. I don’t think the are any additional tax credits for those policies though.
Fear Itself,
a friend of ours successfully enrolled herself and husband (ages 55 and 60) a couple of weeks ago, online. Her only concern is the income verification.
Her online account says she’s enrolled, but her income must be verified. She specified which document she would send, uploaded a jpeg of last year’s 1040. Upload was successful, with OurFriend’s1040.jpeg now showing onscreen in a position that implied confirmation. But no other notification was given, and the next day she logged on to find her account looking exactly as it had before she submitted the 1040.
After two repetitions of the preceding paragraph, she called the Help phone number and was speaking to a human within minutes (!); that person told her to “just go ahead and mail (the 1040 copy) to us.” Which OF did. A week later she still hasn’t received any confirmation, and her online account still shows “income verification needed.”
Any comments? Similarities to your experience? (We’re in Idaho, fwiw.)
Mine still says “Submitted”, and shows as needing to be completed. But my enrollment shows as being complete.
Do you mind my asking how long it’s been since you submitted? The two weeks+ is what’s giving our friend the creeps. Thanks for an interesting thread, btw, even with all the political hijacking.
I submitted my 1040 about five days ago. It won’t surprise me if it takes a while.
10-Q veddy much.
Update: Just confirmed with Anthem BC/BS they have received my enrollment from healthcare.gov, and I should receive confirmation and premium payment statement within the next few days, well before the December 23rd deadline for coverage to begin on January 1.
Anthem Silver DirectAccess - cbcm:
$750/yr deductible
$1500/yr maximum out-of-pocket
$20 copay, primary care provider, $0 after deductible
0% co-insurance
$15 generic prescriptions
$106.68/mo premium
Just have to keep trying, keep calling, eventually it will work.
.. and you forgot to mention the $10K or so handout from the government.
You say that like it’s a bad thing.
If it’s not a “bad thing” why didn’t you mention it? Be a proud mooch.
I assumed since Exxon doesn’t tout their subsidies, neither should I.
Oh please, stop the nonsense. :rolleyes:
Are you the rich guy in the Lucky Ducky comics, or what?
Looks like MUCH better coverage than we have here in Seattle. The cheapest plan for a 31-year-old with an income of $30k is $168 and has a $6000 deductible and 40% co-insurance! The cheapest plan with a $750 deductible is $267 and has 20% co-insurance. And separate $500 prescription deductible.
Be sure to calculate your subsidy using your Modified Adjusted Gross Income, not your salary. For most people, it will be your Adjusted Gross Income: line 4 on a Form 1040EZ, or line 21 on a Form 1040A, Line 37 on a Form 1040. Adjusted gross income is much less than your annual salary.
It’s not my income, I was just messing with it. I was doing it for my parents earlier though and I didn’t use their MAGI so I should ask them about that.
My state is expanding Medicaid so I’m eligible for that. I keep bugging my little sister to apply too because she would definitely qualify and she really needs it (she has an autoimmune disease and she’s on our mom’s insurance but the premium and copays are high and she really can’t afford it) but she’s scared that somehow it might make something bad happen. A victim of the fear-mongering.
dat seething tho
I went on the healthcare.gov site and put together a little spreadsheet comparing my current Humana plan with the Platinum Obamacare plan that I was offered (2 adults, 1 child.) You can see it below via Google Drive:
https://drive.google.com/file/d/0B956CzjkwM9vNmFRZkhiYk1mZWs/edit?usp=sharing
The comparisons are nowhere near complete (the dental plan summary alone comes to 29 pages), but I got the things that mattered to my wife and I.
In short: the Obamacare plan is better in almost every regard. Better coverage, lower out-of-pocket maximums, lower premiums, far more child-friendly. By switching I would save $150/month, or $1,800 year. The nicest thing about it, imho - our out-of-pocket maximum was reduced by 2/3rds, from $9k/year to $3k/year.
And that’s before I take my Mooch Credit. 
As the owner of a small business, I’m meeting with my insurance agent early in January to discuss the SHOP program and how it will save us $ while still allowing us to offer a more attractive insurance package. I am also having my employees shop out Obamacare just so they can see the price difference, and I will tell you… they’re actually excited about the differences in price and coverage that they’re seeing.
I was excitingly following this thread, because it was great to see an actual person apply and see the results. However, I guess since this is not much bad to say about the plans, the thread died off. Good for you to get an affordable health care plan that doesn’t rely on your employer!
My experience has been similar. I created an account during the first week, and through mid-November, the site kept hanging whenever I tried to get to the confirmation step after picking my plan.
Finally, I just abandoned my original account and created a new one in late November. It took 20-30 minutes from start to finish on the web site, with no significant problems to report, and in December my insurer sent me confirmation and a first bill, right on schedule.
I’m not getting any subsidy, but my new Gold plan is a good deal cheaper than the group health plan I had from the same company (Highmark, the local Blue Cross affiliate that provides most of the Pittsburgh region’s health insurance), and with comparable coverage.
I expect to save about $2000 a year versus my previous group health plan. (Due to a pre-existing condition, a Gold plan is a better value for me than other metal plans.)