My ACA health care sign up, part two.
Last edited Wed Oct 16, 2013, 04:42 PM - Edit history (1)
I detailed my application experience here:
http://www.democraticunderground.com/10023777148
Given the interest folks have in understanding the process, some may be interested in fuller details.
After I finished the process with Marketplace I received an email from Health Net and on 10/10 received a letter of welcome.
Today I went on the site and they confirmed the following details.
Gold/HMO Cost is $ 757 per month (for wife and I, soon to turn 60) living in AZ.
After the subsidy we pay $ 444. (If our income changes subsidy could go down.)
Here are the coverage details:
Deductible: None
General copay: 20%
Out of pocket limit: $ 6,000 individual, $ 12,000 couple
Limit on plan payout: none
Referral needed for specialist?: No
Primary care visit: $ 30
Specialist care visit: $ 60
Preventative: None
Generic Drugs: $ 20
Preferred brand drugs: $ 50
Surgery: 30%
Emergency room: $ 150/visit
Ambulance: none
Hospital: $ 500/stay
Eye/glasses: no charge
They include a couple of examples in coverage:
Having a baby: $ 7,540 cost, patient pays $ 1,200
Managing diabetes: $ 5,400 cost patient pays $ 1,520
I understand that many are still struggling with the national website (although reports are that the state sites are working much better).
Some people are having frustrations verifying and uploading documents. You might have better luck walking into one of the clinics that have been set up to assist people in signing up.
You can find the nearest bricks and mortar site here: https://localhelp.healthcare.gov/
I misread the instructions on the insurance companies website so I called their website and we figured it out together.
They were surprised that I had already gotten a letter (in fact I got it last week).
I am sure that there are cases of hiccups but in my case the transfer of file information from the ACA Marketplace to the insurance company was actually the smoothest part of the process.
Now I am only awaiting payment instructions and will be covered Jan 1st.
Good luck.
= new reply since forum marked as read
On edit - thanks for giving us testimony that at least two people in the country are happy with the ACA! 
