Have you noticed that emergency rooms began popping up in neighborhoods like Starbucks or 7-Elevens over the past couple of years? They promise you’ll be seen quickly with little or no wait time and health insurance should cover it, even if it’s out of network, since it’s an emergency room visit, right? It turns out, that may not be the case.
My search for health insurance has been interesting to say the least. Until this year, it’s been a relatively easy task; place a call to my broker, have her provide me with quotes, review the plans, pick a plan, pay the bill each month, and forget about it for another year. All that changed this year with the Affordable Care Act.
Growing up, my dad would look at me and with his best imitation of W.C. Fields say, “Close but no cigar kid!” when I’d almost get the point but be just a little off on what I was saying. I was reminded of his doing that with my ongoing search for affordable health insurance through the federal exchange. I’m closer to the answers I’ve been seeking but I haven’t been awarded a cigar yet.
October 1 arrived on Tuesday, the first day to evaluate and enroll in one of the Affordable Care Act’s plans. The 17 States that have their own exchanges, along with the Federal exchange, were quickly swamped as millions of people attempted to get on and determine what the ACA meant to them personally.
There are 4 plans that will be offered under the Affordable Care Act. Enrollment will begin on Tuesday, October 1 however pricing was released on Wednesday, September 25. So this is a good time to compare pricing, especially if you’re self-employed or pay for an individual policy through Blue Cross, Aetna, etc.
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