Have you been able to sign up for health care?

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Madeleine's picture
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Nothing political, just a question. Have you gotten the health care website to work or did you have to call someone?

I need to have this done this week in order to get health care for next year. Not being successful on the website (ie- have not even been able to get an account to even log in) so thinking I should just call.

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Arks's picture
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Total control over the whole Innspiring world of our lives? YES! I'm definitely afraid of Swirt!

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Breakfast Diva's picture
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Arkansawyer wrote:

Total control over the whole Innspiring world of our lives? YES! I'm definitely afraid of Swirt!

what do I win? what do I win????

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Breakfast Diva wrote:

what do I win? what do I win????

A bar of my guesthouse logo soap, but you have to come to Arkansas to get it.

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Arkansawyer wrote:

Breakfast Diva wrote:

what do I win? what do I win????

A bar of my guesthouse logo soap, but you have to come to Arkansas to get it.

hopefully some day!

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Breakfast Diva wrote:

Arkansawyer wrote:

Breakfast Diva wrote:

what do I win? what do I win????

A bar of my guesthouse logo soap, but you have to come to Arkansas to get it.

hopefully some day!

Just think, Arkansas is on the way to visiting your east coast Innmates!  Wouldn't that be a road trip!

Arks's picture
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Now think about it. Who SHOULD I fear?

Hint: I have always feared authority.

Hint: The smartest person on the forum.

Breakfast Diva's picture
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Arkansawyer wrote:

Now think about it. Who SHOULD I fear?

Hint: I have always feared authority.

Hint: The smartest person on the forum.

SWIRT?

Arks's picture
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Madeleine is the third one I'm literally afraid of. 

Anybody care to guess the fourth? (Silverspoon already knows so she can't play.)

Hint: camberlyhotel would be on the list, but she's not because she's too far away to hit me...Why is she on the list? Because she's tough as nails if she has to be, and I'm not!

Another hint: Copperheads bite, but for some reason she's not the fourth one I'm afraid of!

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Arkansawyer wrote:

Madeleine is the third one I'm literally afraid of. 

Anybody care to guess the fourth? (Silverspoon already knows so she can't play.)

Hint: camberlyhotel would be on the list, but she's not because she's too far away to hit me...

Another hint: Copperheads bite, but for some reason she's not the fourth one I'm afraid of!

Don't worry one day I will make you 2nd guess the order I currently rank. sssssssssssssss

But I do think I know who #4 is!

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copperhead wrote:

But I do think I know who #4 is!

If you're thinking Gillum, you're wrong. She's tough, but I can out run her!  ...I think

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Arkansawyer]</p> <p>[quote=copperhead wrote:

But I do think I know who #4 is!

If you're thinking Gillum, you're wrong. She's tough, but I can out run her!  ...I think

[/quote

Honey, a 2-year old can outrun me! I do not run, I waddle, waddle, waddle!

Reminds me of a story my friend Mary Ann told me.

Her daughter & her DH were houseparents for a houseful of 8 & 9-year old abused & neglected boys. Mary Ann had gone to help her daughter in her last weeks of preggers and for after the baby was born. She had been there about a week when one little boy came up to her and said, "YOU are MEAN!"  She looked at him and said, "I am nothing, you should meet my friend, Kathy." He looked up at her and said, "We heard about HER! She's the Terminator Lady!" Honest! True story.

Breakfast Diva's picture
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I wanna know too!

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Arkansawyer wrote:

copperhead wrote:

But I do think I know who #4 is!

If you're thinking Gillum, you're wrong. She's tough, but I can out run her!  ...I think

Well you'll soon have the opportunity to find out.  K, if you are following this - HEADS UP!  Bring those running shoes! laugh

Madeleine's picture
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I completely understand when folks feel a thread has gone beyond their comfort zone. Do what I do and skip the thread altogether.

Everyone is being very civil and the question is not one that requires an opinion either way.

And I still haven't been able to finish the form, called and they couldn't finish it either.

Found out I don't need to have it done until Dec 15, not Nov as I thought so I'm going back to ignoring the whole thing for a few more weeks.

Thanks for sharing how it worked for you.

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My thoughts exactly Maddie.  When there is a topic I feel will get me hot around the collar, I just avoid the thread.  It goes away in due time. 

I am thankful for Arkie letting me know to give it another go. 

Arks's picture
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I found this to be a perfectly civil, helpful, non-political discussion on a perfectly legitimate topic for innkeepers as small business owners who don't have healthcare provided by a big company. Cheers

But there only 4 people on this forum I'm literally afraid of, and two of them are Joey Bloggs and EmptyNest. I'm therefore wisely shutting my trap on the subject of innkeepers' health insurance! 

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Arkansawyer wrote:

I found this to be a perfectly civil, helpful, non-political discussion on a perfectly legitimate topic for innkeepers as small business owners who don't have healthcare provided by a big company. Cheers

But there only 4 people on this forum I'm literally afraid of, and two of them are Joey Bloggs and EmptyNest. I'm therefore wisely shutting my trap on the subject of innkeepers' health insurance! 

What the!

I didn't know...ready or not here I come crying

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Oh Arkie...don't be afraid of mewink

But you will have JB to contend with in person one day real soon.devil

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EmptyNest wrote:

Oh Arkie...don't be afraid of mewink

But you will have JB to contend with in person one day real soon.devil

Yes, and since you know Innkeep and know I am the old fat one, will only have to figure out JB & Ice.

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Please stop

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Yes please I agree. This is going on too much and we need to stick to our original plan..NO RELIGION or POLITICS...this is getting away from us.

Silverspoon's picture
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Actually I appreciate hearing about the real experiences my inn-mates have had concerning a topic that impacts all of us.  Some of the comments mirror my own experiences and give me hope that, once I wade through the difficult, non functioning parts of the process, the fact that I am self-employed will no longer mean that I have to worry about my health care coverage costs.   

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Skamokawa's picture
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I haven't tried the site.  Since we're in such a small place, I'll go to one of the 'navigators' at our county health dept.  I had to get my last year's taxes done - partly to show income in order to qualify for whatever subsidy might be available.  But first, there are some other things to work on.  Hope to get signed up by Dec 15.

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DH tried for several days just when the site went up and after finding out that our group plan's premiums were going to be over 2,000 a mth.  He finally got through only to be informed he had to wait til January as we did not qualify during this time.  Odd - I thought this was for everyone.  

Joey Camb's picture
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this is probably a bit political but one of the things that has always baffled me about the USA - it is supposed to be the land of free enterprise where people are encouraged to set up on their own etc yet your heath insurance system seems the biggest disincentive to doing so I have every seen - at least I know even if we lost everything and didn't have a dime we would still get health care no matter what, and I frankly pay very little for what we get.

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gillumhouse's picture
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[quote=camberleyhotelharrogate@yahoo.co.uk]

this is probably a bit political but one of the things that has always baffled me about the USA - it is supposed to be the land of free enterprise where people are encouraged to set up on their own etc yet your heath insurance system seems the biggest disincentive to doing so I have every seen - at least I know even if we lost everything and didn't have a dime we would still get health care no matter what, and I frankly pay very little for what we get.

[/quote

There are two things getting smushed into one when they are separate issues.

Health care - NO mot-for-profit hospital could not can refuse to provide health CARE to anyone. THIS is why many hospitals have had to close their doors - too many non-paying patients nd the reimbursements from the government did not meet the costs.

Health Insurance - This is the issue many have had a problem with (us included) with pre-existing conditions, etc. Getting a policy to Pay for health CARE one could afford has been the problem, not getting health care. INSURANCE was the problem.

Joey Camb's picture
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see this is the difference - my dad just had kidney stones done - cost £0

Followed this up with a prostate operation - cost £0

Has diabetes, high blood pressure - cost of prescriptions because he is retired is £0

My mum - 1 big stroke 2 little ones - cost of emergency care and ongoing treatment - £0

what they would have to pay in the USA would probably mean one of us mortgaging our house.

 

gillumhouse's picture
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DH has supplemental insurance that pays whatever the Medicate did not pay for doctor and hospital. We have been forced to pay for one of his meds because the Medicare meds section will not pay for brand name once it goes to a generic version. The generic version does not work for him and the Doc has stated that to no avail. We have had a couple hospital bills for "not covered" (and I m not talking phone nor TV charges) but the hospital let us do payments. As long as you pay something, they cannot go to collections nor ding your credit.

DH has had: mild heart attack, aortic aneurysm, 6-way bypass followed by a month of rehab, a femoral artery bypass, and radium seeds implants plus a couple of overnights due to scares or tests. Before he was put on Medicare we did not have insurance and it was not until I started drawing my pension from the company I worked for that we had the supplemental. But he was NEVER refused treatment (health care).

Arks's picture
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copperhead wrote:

He finally got through only to be informed he had to wait til January as we did not qualify during this time.  Odd - I thought this was for everyone.  

I think it is for everybody. There must be some mistake. He might not be eligible for subsidies to help pay for it, but should be eligible to sign up and pay on his own.

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Arkansawyer wrote:

copperhead wrote:

He finally got through only to be informed he had to wait til January as we did not qualify during this time.  Odd - I thought this was for everyone.  

I think it is for everybody. There must be some mistake. He might not be eligible for subsidies to help pay for it, but should be eligible to sign up and pay on his own.

  I believe he did say not eligible fore subsidies but it booted him off stating he had to wait til Jan to sign up.  Maybe another glitch in the system but that is what he got after days of trying. 

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copperhead wrote:

I believe he did say not eligible fore subsidies but it booted him off stating he had to wait til Jan to sign up.  Maybe another glitch in the system but that is what he got after days of trying. 

Keep trying! In my case it's saving me over $4000/year! It's at least worth checking.

Also, at the website I believe there is now a "shopping" option under the information section that lets you look at what your plan and cost options are, without having to first register and enter all your info.

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Will do Arkie, thanks.

Madeleine's picture
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I'm going to try a different computer. Dopey as that sounds. I tried on IE yesterday but the 'log in' button and the 'select your state' buttons were both missing on my version of IE.

Got bumped off twice this morning. I may just call.

Momma Smurf's picture
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Am not having any problems getting on site today.  And MCHO already has our info, paid the premium today.  We are going to save $5280 in premiums per year even with choosing the Gold plan, our total deductible is $1950 a year less ($1300), and coverage is at 80% until deductible is met.  After Poppa's emergency gall bladder surgery bill of 20K last spring, we feel a sigh of affordable relief as self-employees.

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Momma Smurf wrote:

After Poppa's emergency gall bladder surgery bill of 20K last spring, we feel a sigh of affordable relief as self-employees.


Not sure if the cost you gave was before or after Ins. but our soon to be DIL had the same issue this past spring, her total bill  - over 40k.  That is an amazing difference.

Momma Smurf's picture
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Total Bill cost was $20K ... just saying, one never knows, and without a good insurance plan we'd have been stuck.  Not gambling here. 

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Does anyone else plan to just pay the fine?  That's my plan. I have no interest in this. I'm not saying I'm invincible and I do realize anything can happen - at any time.  But I haven' t had health care insurance in ten years.  I've been to the Dr maybe three times in those ten years, only to get my thyroid rechecked...a very minimal expense.  I just have no desire to pay probably $250-300 a month (for just me...although I'm guessing ~ I have no idea how much it will cost) for the rare times I need to see a Dr.  I'll take my chances.

Skamokawa's picture
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LOL, I've been without coverage unless my work had it as a benefit, and I was covered for years.  I'm one of those -knock on wood- healthy people who can count one one hand doctor visits, but I was so glad to have family coverage because without it we would have had hard times indeed.  I intend to sign up ASAP as luck doesn't always hold, and as we all know here, Murphy has a way of walking in without knocking.

Joey Camb's picture
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I would as this is how my mother had her stroke - never got sick never went to the doctors, if she had then they would have caught the fact her heart wasn't beating properly which was thickening her blood, her blood pressure was sky high and cholesterol was also through the roof.

Skamokawa's picture
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Worked in the UK for a bit. (enjoyed Life On Mars - that was near the era) Still have my Nat'l Health # somewhere.

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Let's not get political on this here. Just want to know if the website works for someone or not. Don't really care to hear personal opinions or the state of anyone's health. Pleaseheart

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You're right - I apologize.  I'll remove my entry to keep it nice Smiling

Edited :  I can't remove it once it's been replied to?

 

Breakfast Diva's picture
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Once someone replies to your post, you can't edit it. You can only edit if it's a new post, not reply. Don't worry about it

Arks's picture
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Politics aside, as much as possible, it does seem like it would be an important topic for innkeepers, many of whom, I would think, have obtained health insurance on their own in the past, rather than being part of a larger group or covered through an employer.

It took me most of October to finally get the website to work for me, but once I did, it worked out very well for me. Hope it goes well for the rest of you!

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Unfortunately there is nothing more political on earth, than this topic right now. 

Madeleine's picture
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Early Bird success! Yippee!

Momma Smurf's picture
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Yippee!!  Momma & Poppa Smurf are enrolled too, was quite easy, though lengthy process.  Huge savings! 

Madeleine's picture
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Momma Smurf wrote:

Yippee!!  Momma & Poppa Smurf are enrolled too, was quite easy, though lengthy process.  Huge savings! 

Not easy here. I filled out the form, did the review, half the answers I had saved were either wrong or missing so I ended up in an infinite loop of verifying the form. Sigh. Then the site went down.

Will try again really early tomorrow morning as the site was super fast before 8 AM and then died when NYC woke up! Eye-wink

Momma Smurf's picture
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What time did you go on?  Need to do it for us down here too...

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Madeleine wrote:

Early Bird success! Yippee!

yesyes

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