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Health insurance marketplace is a mess...

Blogs > TheRabidDeer
Post a Reply
TheRabidDeer
Profile Blog Joined May 2003
United States3806 Posts
November 16 2013 17:53 GMT
#1
So, it took me a week to first set up an account on the marketplace because of all of the website issues. Then, all forms of identity verification failed... even though they have my name, address, birthday, social security number, income tax information from this year and basically anything somebody would need to steal my identity. So, I have to upload a picture of my drivers license. I wait and I wait... nothing after 2 weeks. So I call and they say it'll be another week or two. Wait and wait... now they suggest I call in and get conference called with somebody at experian.

We can't verify identity of our own people so we get experian to do it for us?

***
farvacola
Profile Blog Joined January 2011
United States18870 Posts
November 16 2013 18:33 GMT
#2
A company like Experian is involved pretty much every time you sign up for something financial. Getting health insurance, credit cards, bank accounts, even car rentals will all include the company referencing a company like Experian.

That said, the system sucks currently. Good luck.
"when the Dead Kennedys found out they had skinhead fans, they literally wrote a song titled 'Nazi Punks Fuck Off'"
TheRabidDeer
Profile Blog Joined May 2003
United States3806 Posts
November 16 2013 18:45 GMT
#3
I can understand private companies using experian, but I can't imagine why the government would need to use them. Does the IRS reference them too?
farvacola
Profile Blog Joined January 2011
United States18870 Posts
Last Edited: 2013-11-16 18:53:06
November 16 2013 18:52 GMT
#4
They sure do, unfortunately. Those credit reporting agencies have wiggled their way into too many important places.
"when the Dead Kennedys found out they had skinhead fans, they literally wrote a song titled 'Nazi Punks Fuck Off'"
iamho
Profile Joined June 2009
United States3347 Posts
November 16 2013 18:53 GMT
#5
That health exchange website is completely fucked. Every time I'm halfway through my application I get a "system down" message and have to restart everything. I think I'm just going to pay the $95 fine for not having insurance next year.
TheRabidDeer
Profile Blog Joined May 2003
United States3806 Posts
November 16 2013 19:01 GMT
#6
On November 17 2013 03:52 farvacola wrote:
They sure do, unfortunately. Those credit reporting agencies have wiggled their way into too many important places.

That is crazy! Our entire world is run by them and the banks I guess. Or it feels that way.
On November 17 2013 03:53 iamho wrote:
That health exchange website is completely fucked. Every time I'm halfway through my application I get a "system down" message and have to restart everything. I think I'm just going to pay the $95 fine for not having insurance next year.

Yea, it is horrendous. I was giving them the benefit of the doubt the first week because of huge amount of server load... but I think that grace period has passed. I have to have coverage though because I am currently enrolled in the PCIP program, which stops working Dec 31st... and I need insurance to help pay medical/prescription fees
TheRabidDeer
Profile Blog Joined May 2003
United States3806 Posts
November 17 2013 01:04 GMT
#7
Alright, screw this whole process. Just got off the phone with them and the level of screwed up mess is higher than I thought. So this whole month and a half that I have been waiting has been for nothing. They dont know when they will get around to checking my ID or if they even have it. On top of that, I did my application before they put in some system that gave you a long ID to give to experian if you call. This ID is only given once. I dont have this ID. So I have to do a new application. And they cant guarantee that the new one will finish before Dec 15th cutoff date, which means I would have a full month of no insurance and a risk of a $10k hospital bill if something goes wrong with my diabetes.
Rollin
Profile Joined March 2011
Australia1552 Posts
November 17 2013 13:39 GMT
#8
On November 17 2013 10:04 TheRabidDeer wrote:
Alright, screw this whole process. Just got off the phone with them and the level of screwed up mess is higher than I thought. So this whole month and a half that I have been waiting has been for nothing. They dont know when they will get around to checking my ID or if they even have it. On top of that, I did my application before they put in some system that gave you a long ID to give to experian if you call. This ID is only given once. I dont have this ID. So I have to do a new application. And they cant guarantee that the new one will finish before Dec 15th cutoff date, which means I would have a full month of no insurance and a risk of a $10k hospital bill if something goes wrong with my diabetes.

Sue the government for it's shitty system, I hear so many stupid stories of suing that this sounds like an easy win.

And damages could be your mental health and wasted time for the past month too, as well as any future stuff .
Throw off those chains of reason, and your prison disappears. | Check your posting frequency timeline: http://www.teamliquid.net/mytlnet/post_activity_img.php
TheRabidDeer
Profile Blog Joined May 2003
United States3806 Posts
November 17 2013 18:30 GMT
#9
On November 17 2013 22:39 Rollin wrote:
Show nested quote +
On November 17 2013 10:04 TheRabidDeer wrote:
Alright, screw this whole process. Just got off the phone with them and the level of screwed up mess is higher than I thought. So this whole month and a half that I have been waiting has been for nothing. They dont know when they will get around to checking my ID or if they even have it. On top of that, I did my application before they put in some system that gave you a long ID to give to experian if you call. This ID is only given once. I dont have this ID. So I have to do a new application. And they cant guarantee that the new one will finish before Dec 15th cutoff date, which means I would have a full month of no insurance and a risk of a $10k hospital bill if something goes wrong with my diabetes.

Sue the government for it's shitty system, I hear so many stupid stories of suing that this sounds like an easy win.

And damages could be your mental health and wasted time for the past month too, as well as any future stuff .

If it came down to owing a big medical bill, I might try. I might at least consult a lawyer. If my meds dont last I might consider too, since I dont really want to pay ~$650-700 out of pocket.
Kingsky
Profile Blog Joined October 2010
Singapore298 Posts
November 17 2013 20:35 GMT
#10
is this due to obamacare? or has it always been like this in USA
Why do people hate the Colossus? Because the Colossus is like banksters from Wall Street: “too big to fail”. - TheDwF
TheRabidDeer
Profile Blog Joined May 2003
United States3806 Posts
November 17 2013 22:42 GMT
#11
On November 18 2013 05:35 Kingsky wrote:
is this due to obamacare? or has it always been like this in USA

Due to the obamacare transition.
TheRabidDeer
Profile Blog Joined May 2003
United States3806 Posts
November 19 2013 22:17 GMT
#12
Called again today to try and finish my application, apparently their system is being upgraded (again?) and is having issues so they werent able to access my application.

Worried I am going to have to do a 3rd application.
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