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A New Obamacare Wrinkle. You Can Not Cancel Auto-pay.
Self ^ | 1/13/2014 | Gen.Blather

Posted on 01/13/2014 2:54:38 AM PST by Gen.Blather

A friend was notified that the health plan she’d been with for over twenty years, Capital Health Plan, was cancelled due to not meeting the Obamacare requirements. So she bought a Blue Cross Blue Shield policy off the exchange and paid for the first month using auto-deduction from her checking account. When she was notified she could keep her old plan for another year she decided that’s what she wanted. She renewed her Capital Health Plan then called Blue Cross and asked them to cancel her new Obamacare policy. They told her they could stop her coverage but could not stop the automatic deduction from her checking account. She would have to do that through the exchange. After spending seven hours on the phone (this woman runs a couple of businesses and works seven days a week) she was told there was no way to stop the deductions from her account. She said, “Everyone was extremely pleasant and helpful but all concluded it couldn’t be done.”

Today she’s closing her checking account. For added security, given the thinking behind Obamacare, she’s moving her account to a different bank.


TOPICS: Extended News; FReeper Editorial; News/Current Events
KEYWORDS: abortion; aca; deathpanels; obamacare; zerocare
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To: Gen.Blather

Sure she’s not getting this confused with XM/Sirius radio?


41 posted on 01/13/2014 4:57:33 AM PST by randita
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To: sickoflibs

“Isn’t it possible to stop it from the bank side?”

I have no idea. Anybody know?


42 posted on 01/13/2014 4:58:03 AM PST by Gen.Blather
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To: gunsequalfreedom

Why go to the hassle of having to close an re-open an account when every other business has an OBLIGATION to stop pulling from your account when you notify them?


43 posted on 01/13/2014 5:01:43 AM PST by MrB (The difference between a Humanist and a Satanist - the latter admits whom he's working for)
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To: Gen.Blather

Because they have her personal information, they will run it to see if she’s opened any new accounts. Then they will track down her new bank account, take out missed payments and fine her for closing her original account.


44 posted on 01/13/2014 5:04:20 AM PST by FrdmLvr ("WE ARE ALL OSAMA, 0BAMA!" al-Qaeda terrorists who breached the American compound in Benghazi)
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To: Gen.Blather

Sadly, she is in for a real big surprise. When you have authorized auto-deduct closing your account won’t stop the deductions. Auto-deduct will force the account to reopen and she will incur overdraft charges in addition to paying for an 0bamacare policy she doesn’t want or need.

The consumer has no power to stop the once authorized deductions.


45 posted on 01/13/2014 5:04:23 AM PST by EBH ( The Day of the Patriot has arrived.)
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To: Gen.Blather

Many years back I remember someone I knew set-up the monthly auto-deductions from checking for a Bally’s health and fitness, and had trouble getting them to stop doing it.

The better route is the banks electronic bill pay system where the customer controls all the transactions from their computers.

I also have one credit card just for periodic monthly billing transactions.

But I am not giving out my bank account info.


46 posted on 01/13/2014 5:08:13 AM PST by sickoflibs (Obama : 'If you like your Doctor you can keep him, PERIOD! Don't believe the GOPs warnings')
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To: Gen.Blather

As of now, the IRS can only take money from your tax refund. So of course, the wise taxpayer will adjust their withholding to be slightly less than necessary to pay off the balance of their tax bill on April 15....no refund.

Of course, then the Senate will pass a bill, with the help of 6 RINOs, which will let the IRS garnish your wages, or if you are retired, take your scooter, in payment of your penalty.

What a pitiful flock of sheeple we have become.


47 posted on 01/13/2014 5:27:06 AM PST by txrefugee
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To: abb

Obamacare hasn’t implemented withholding “yet”.


48 posted on 01/13/2014 6:00:45 AM PST by maddog55
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To: Gen.Blather; sickoflibs

The bank will tell you that the business has to cancel the auto-pay, then they’ll thank you for calling and hang up.


49 posted on 01/13/2014 6:04:02 AM PST by jiggyboy (Ten percent of poll respondents are either lying or insane)
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To: maddog55

Seriously, what does it matter what the law actually states?

Obama’s been changing it at will and on a whim wherever the political winds are blowing.


50 posted on 01/13/2014 6:05:30 AM PST by MrB (The difference between a Humanist and a Satanist - the latter admits whom he's working for)
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To: jiggyboy; Gen.Blather
RE :”The bank will tell you that the business has to cancel the auto-pay, then they’ll thank you for calling and hang up.”

A good reason to not give out your banking info. I never liked the idea of it

51 posted on 01/13/2014 6:07:59 AM PST by sickoflibs (Obama : 'If you like your Doctor you can keep him, PERIOD! Don't believe the GOPs warnings')
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To: kearnyirish2

I do the same thing for all my bill payments.

However, I am also currently getting COBRA coverage (until 8/1) A prerequisite was automatic payment - NO OTHER OPTION. I had to do it..and believe me, that money is pulled at 12:01 on the first of the month.

Right now, I’m getting all of my ‘annual’ checkups done. The big tests were done last year before my layoff date.

I went to my annual physical on the 6th with my favorite doctor. If you think we have it bad, listen to their side for awhile. I told her if she decides to go ‘boutique’ that I want to sign up. She looked at me very seriously and responded “I will keep that in mind.” This pos system we have is going to force doctors out. She doesn’t know if her family will be covered next year. She and her family are covered on her husband’s policy currently. No one knows.

I will have to pick up retiree insurance on 8/1. But if IBM can throw their retirees onto the exchanges, it will only be a matter of time before they all do it.


52 posted on 01/13/2014 6:14:22 AM PST by SueRae (It isn't over. In God We Trust.)
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To: Gen.Blather

Yes, first thing I thought of was to cancel her bank account.


53 posted on 01/13/2014 6:20:47 AM PST by rawhide
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To: gunsequalfreedom

If she uses that account for auto-pay of her utility bills, phone, car insurance, etc, etc, she may have been trying to avoid the hassle of switching all of those billings over to a new account.


54 posted on 01/13/2014 6:34:51 AM PST by Bob
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To: Gen.Blather

“...and having to change all the other auto-deductions.”

Exactly. Many of us probably have our accounts set up that way. Makes it very convenient at the end of the month...just tallying up the automatic payments rather than writing checks and mailing them.

It would be a nightmare to cancel and restart those...especially if changing checking accounts and banks at the same time.


55 posted on 01/13/2014 6:57:56 AM PST by moovova
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To: gunsequalfreedom

Theoretically its easier to cancel one auto-pay than get a new account and get all of her legitimate auto-pay bills (and direct deposits) to point to that new account.


56 posted on 01/13/2014 7:32:49 AM PST by ICU812 (Oldtime Freeper, back from a long hiatus)
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To: gunsequalfreedom
The woman runs a couple of businesses and is not smart enough to close out her bank account and open another one. She spent 7 hours in the effort!?

Changing accounts or banks can be a non-trivial task. I could easily see myself investing quite a bit of time to not have to do it, if I could.

57 posted on 01/13/2014 8:54:52 AM PST by zeugma (Is it evil of me to teach my bird to say "here kitty, kitty"?)
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To: Bob
If she uses that account for auto-pay of her utility bills, phone, car insurance, etc, etc, she may have been trying to avoid the hassle of switching all of those billings over to a new account.

Which do you think would be easier, getting the Obamacare to stop the auto deduct from her account or contacting the utility companies?

Next, the car insurance should not be a consideration. She should have that paid up for the whole year to take advantage of the discount offered for doing so.

With the utility bills all that needs to be done is wait for the bill in the mail and then send a check.

Are you sure you are not trying to make this one more difficult than it really is?

58 posted on 01/13/2014 8:28:06 PM PST by gunsequalfreedom (Conservative is not a label of convenience. It is a guide to your actions.)
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To: MrB
Why go to the hassle of having to close an re-open an account when every other business has an OBLIGATION to stop pulling from your account when you notify them?

Because this one happens to be the Obamacare agency that requires (from what we have been told) a seven hour effort and the objective has still not been reached.

59 posted on 01/13/2014 8:29:24 PM PST by gunsequalfreedom (Conservative is not a label of convenience. It is a guide to your actions.)
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To: LowOiL
Posting without reading for 3 years!!!

Oh, no you have that way wrong. I've been posting on here without reading since 2000.

60 posted on 01/13/2014 8:30:41 PM PST by gunsequalfreedom (Conservative is not a label of convenience. It is a guide to your actions.)
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