Posted on 04/08/2014 6:00:02 PM PDT by Jim Robinson
This is like getting a new car and having to wait until the next “open enrollment” to be able to buy auto insurance.
This is how the gov’t provided health insurance works for civil service workers. Open enrollment is a few weeks at the end of the year unless there is a significant change, birth, new spouse, etc.
The GOPe is boldly tinkering around the edges of this POS.
A year ago you could buy health insurance year round. Now you can’t with the No ACA law.
While I can understand those companies in the exchanges would limit enrollment, a private insurance company should still be able to sell you a policy...no?
This really doesn’t make much sense.
They give a few life event exceptions, but they are the downward mobile kind. What if you signed up for 0bamacare and your life improves...and you no longer need the subsidies? Under 0-care you have to pay back the subsidy, but what if you wanted to change horses midstream and buy your own policy?
What kind of business model has sales people working three months of the year? These agents will have nothing to do for 9 months now ?!
Stupid
__________________________
Oh no, they will be very busy mailing out voter registration cards with Democrat checked off, and busing “voters” from poling place to poling place.
It has been typical of all kinds of group-coverage health insurance policies to have open and closed enrollment periods. It was like that even back in the 80s and 90s when I worked. Here, the "group" is those who apply through the exchange.
I haven't read much about and don't understand why this is affecting out-of-exchange private individual policies, however.
Experience with BC yesterday makes me want to cancel Mondays. Four patients of my doctor clients have Obamacare/Exchange coverage. On one patient we have been paid for one out of 12 separate visits thus far this year. None on the rest. Spent 6 hours on the phone. What did I learn? 30-60 more working days to process claims and my doctors paid - that’s 6 to 12 weeks. Obamacare/Exchange claims must be processed and paid by hand and there is a huge backlog.
What we did receive though was a substantial penalty payment from the carrier because they weren’t processed within 45 days of the claim receipt as required by our state law, even though the claims themselves haven’t been paid.
By contrast, BC claims for Federal employees are paid within 3 working days and for everyone else who has regular group insurance it’s 4 working days. All non-Obamacare/Exchange is totally electronic, from the submission of the claim to the money in the bank.
Has to be a real cash flow problem for doctors and hospitals that are heavy into the Obamacare side.
I guess they are selling only ACA-compliant qualified plans only now. Ain't that the pits.
Anyway, a pdf of eligibility events that let you purchase a plan outside of the open enrollment window:
Obamacare pretty much includes something bad in it for everyone.
Now that you mention it, my auto insurance has gone wobbly the last two months. State Farm, Austin.
So now we’re Waiting in line for insurance?
I thought waiting in line at the E.R. was the original “problem” to be social engineered away with all this.
All these new “Rights” to - um - wait around.........
Hope nobody gets sick.
its the Cancelled Affordable Care Act - CACA for short.LMAO, post of the week.
It’s like buying a car in the old Soviet Union. The wait time was quite long for bad product.
This is the same logic of enrollment periods for Medicare Advantage and Part D. Since the insurance is guaranteed issue this lowers the chances of purchase upon need,
Actually the deadline was extended to April 15th.
Still another week for them to pad the fake numbers!
To kill of the insurnce companies perhaps? If a private insurance company can't write any policies for the next 7 months, what happens to them?
Yeah, but if you are a government employee, you’ve had a very obvious opportunity to get insured when you start employment. And, yes, similar things happen under Medicare—in that you can’t switch policies or coverages in between the annual update months.
But, here we are at the start of a program, with a less stable, younger and uninsured populace. This is more of the stick side of carrot and stick. Carrot is LeBron James and Hollywood useful idiots and Obama joking and pushing insurance. Stick is “you missed your chance, and we’ll show you—your uncovered until our next deadline.”
But these enrollment periods are split across 4 quarters. My wife’s policy ends 6/30 each year. The enrollment options are from 4/1 until near 6/30. So a smart management companies split them across four quarters for exactly staffing reasons.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.