Virtually all the news commentators throughout the known media universe have been screaming for months about how the Affordable Care Act enrollment website, healthcare.gov, has not been working perfectly. As a 64-year-old man with an analog brain, who NEVER manages to get electronic technology to work the first time, I was not surprised or alarmed that the website wasn’t working well in October.
Even though I am one of the millions of Americans whose health insurance companies deliberately downgraded our insurance to junk status so that it would be cancelled for not meeting ACA standards (scroll down several posts to read the whole story,) I figured I had until January 1 to secure REAL insurance through the Affordable Care Act, and if the website did not work for me, then enrollment by phone or an actual person-to-person interview would certainly do the trick. What was all the fuss about anyway? Smells like sour grapes to me.
The administration said that most of the website glitches would be resolved by the end of November, so I waited until the day before Thanksgiving to make my first attempt at starting to secure REAL health insurance on line. After only three hours I had managed to create my profile and my account, provide my financial information, and study the details of some of my early leading candidates for health insurance. No problems whatsoever. I was impressed. And, by the way, if an old technophobe like me can do this without any difficulty, then the website is extremely user friendly, and most people will succeed in a fraction of the time I invested.
The day after Thanksgiving, while others were shoving and punching each other to gain an advantage in the Black Friday super-consumer frenzy, I quietly resumed my online health insurance quest and was once again very pleased with the experience. I spent a grand total of about seven hours on healthcare.gov, mainly reading about the scores of possible insurance programs I could consider. During that time I probably logged on and off about seven times without any difficulty.
Between sessions I made two calls to the Affordable Care Act phone line: 1 800-318-2596, to ask some basic questions. They were very helpful. I also called several insurance providers to clarify their options and make sure my local doctor and hospitals accepted their coverage. I ended up getting in my car and driving to my doctor’s office to talk face-to-face with his receptionist. I really like Dr. Carl Brango, and I wanted to be extra sure that the plans I was considering were okay with him.
I was sorry to see that dental and eye care insurance did not seem to be offered by any of the plans, but finally, I made my choice, triple checked it, and clicked on “ENROLL.” A message immediately flashed on my screen – something like, “Are you aware that you are eligible to select very similar group plans that are more affordable?” Well… no… I had missed that part of the information, because I had just assumed that the more expensive policies would be more comprehensive. Not so. I voided my first choice and did more research, discovering a very similar plan for $110 less per month than the one I had originally selected, offered by the very same company! But the best news of all is that after many years of paying over $550 per month for fake health insurance that could be cancelled or changed at the whim of the insurance company, as it was recently, I will now have much better health insurance for half that price.
Icing on the cake: After I made my final health insurance selection, healthcare.gov delighted me with an option to buy affordable dental insurance as well. I am ashamed to admit that I haven’t been to a dentist in years, despite some pretty serious dental problems. Now for less than $23/ month, I will be able to see a dentist as often as I wish.
I clicked “CONFIRM” to activate all my choices and received congratulations from healthcare.gov, telling me that I had successfully enrolled in health insurance and dental insurance that would begin January first. Ironically, on January 15th I will begin researching my healthcare options all over again, because I will be eligible for Medicare starting March first, since I will turn 65 in March, and they recommend beginning the process of applying, choosing a plan and securing supplemental insurance, six weeks before the program starts.
I don’t mind. I am just so relieved to have REAL health insurance after decades of paying high prices for fake insurance in the individual market. I will no longer have to lie about my family health history or hide my own pre-existing conditions from my health insurance provider. I won’t have to go to free clinics or university health studies or pay for secret medical services out of my own pocket to prevent my health insurance provider from finding out about a condition and potentially canceling or changing my policy. I will have REAL health insurance that I can use without fear of cancellation or policy change for two months through the Affordable Care Act. Thank you President Obama! And then I will be covered by Medicare for the rest of my life. Thank you President Johnson!
When the congratulatory statement from healthcare.gov appeared on my screen, I was elated, and for just a brief instant I felt the invincibility of youth again. I sensed just a hint of a taste from the Fountain of Youth. The thought fluttered through my mind that now with REAL health insurance I would live forever in good health. After all… that is certainly what REAL health insurance would do for us, right? It would insure that we’d live from now on in a state of perfect health. Alas, the fantasy lasted only an instant before reality closed in around me again – mortality.
An old monk once told me, “The body has to find some excuse to go.” And besides, the science of medicine may be doing some wonderful things, but it is still in its infancy. Too often today’s cures are as lethal as our diseases. Sadly, health insurance does not insure our health yet. But at least it may finally begin to insure that we can all get the basic healthcare we deserve as a human right, when we are physically ill or injured. This tremendous benefit has been a long time coming. From my point of view it was well worth the short wait while a few website bugs were resolved. Check it out… healthcare.gov works!