[And if you have your own experiences to share, and especially screen dumps, please add them in comments or contact me. Either Federal Exchanges, or state exchanges. I'm especially interested in Covered California! Thank you! --lambert]
email@example.com from Maine had a registration #FAIL at step 3. Here's the screen dump:
I got a cheery note in the mail from HHS about "life changes" that the grateful recipients of ObamaCare must "report" the following "life changes." Be on the lookout for the real piece of fuckery, because it's not obvioius at first glance:
Life changes to report
You must report a change if you:
Get married or divorced
Have a child, adopt a child, or place a child for adoption
Have a change in income
Get health coverage through a job or a program like Medicare or Medicaid
Change your place of residence
Have a change in disability status
Gain or lose a dependent
Experience other changes that may affect your income and household size
Other changes to report: change in tax filing status; change of citizenship or immigration status; incarceration or release from incarceration; change in status as an American Indian/Alaska Native or tribal status; correction to name, date of birth, or Social Security number.
When and how to report changes
You should report these changes to the Marketplace as soon as possible.
If these changes qualify you for a special enrollment period to change plans, in most cases you have 60 days from the life event to enroll in new coverage. If the changes qualify you for more or less savings, it’s important to make adjustments as soon as possible.
Important: Do not report these changes by mail.
You can report these changes 2 ways:
Online. Log in to your account. Select your application, then select “Report a life change” from the menu on the left.
By phone. Contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325)
Learn more from the IRS about how changes can affect the premium tax credit you may be eligible for.
Look. Wouldn't it be simpler if they just make ObamaCare recipients wear ankle bracelets?
As for the mindfuckery: Read below the fold...
ObamaCare Clusterfuck: Be sure to record EVERYTHING when you talk to your insurance company rep AND your ACA marketplace rep
Here's cheerful little horror story (and little horror stories are all we've got right now, because heaven forfend HHS or CMS or our famously free press or even Congress gather any aggregate data about quality of service). And do note the only reasons this citizen got any satisfaction is that (a) he recorded both flavors of weasel, the ObamaCare rep who did the sales job, and the health insurance rep who tried to deny the care, and (b) he could go to the press, once he had the recordings. Read below the fold...
And why? Outright looting by insurance companies. PNHP, quoting the Canadian Medical Journal:
ORONTO -- With the prospect of greater pay, fewer bureaucratic headaches and the opportunity to provide better care for patients, the number of American doctors migrating north is rising, according to Canadian recruiters and Canadian Medical Association data. Read below the fold...
The family’s troubles began in February, when Amber Smith delivered daughter Kinsley five weeks prematurely. Kinsley spent 10 days in Summerlin Hospital’s neonatal intensive care unit, and Amber’s 40-day hospital stay included two surgeries.
The Smiths bought insurance from Anthem Blue Cross through Nevada Health Link in October and made two premium payments in January. Yet the claims are being denied because Amber’s birth year is listed incorrectly on the family’s insurance identification cards, Smith said. It’s one year off — written as 1978, when it should be 1979.
What a shocker. Health insurance companies will do anything to deny care when the bills get large. This is just rescission under another name! Like for post-existing conditions....
Nor has Smith been able to get baby Kinsley added to the family’s insurance, despite “dozens of calls” to Nevada Health Link and Anthem. So despite never missing a $1,300 premium payment, the Smiths are on the hook for all of Kinsley’s follow-up care. What’s more, some of Amber’s specialists have unexpectedly [oh?] abandoned provider networks, leaving the family with unexpected out-of-pocket expenses, he said.
The family’s grand total? Roughly $1.2 million.
That's a lot of money! And it's a two-fer! Not only denial for a post-existing condition, a narrowing network! Ingenious. And the Smiths aren't the only ones: Read below the fold...
ObamaCare Clusterfuck: Kayfabe continues, as Republicans fall in line with Democrats against single payer
I mean, come on. You don't think all those Republican votes to abolish ObamaCare meant anything, did you? Red meat for the base, purely. Even if the Democrats lose the Senate in 2014, Obama's got the White House 'til 2016, and the veto pen. If the Republicans were serious, they'd have held hearings about the ObamaCare website debacle, and asked -- as we asked -- "What did Obama know, and when did he know it?" And so what hearings are they holding now? That's right: Hearings that show problems in a single payer system. Isn't this all just a little transparent? Read below the fold...
ObamaCare Clusterfuck: If you want to control a Flexian infestation, don't leave food out in the open
[Janine R.] Wedel's two key concepts [in Shadow Elite] are "flex nets" and "flexians" (I like "flexian" because it sounds like a breed of alien reptiles that I, for one, welcome, except not). I think the strength of the book will come in the examples of actual flex nets, but since I'm not all the way through it, I'll just quote the introduction on the concepts. Page 15 and following.
Beyond old boys
Like interest groups and lobbies, flex nets serve a long-established function in the modern state--negotiating between official and private. But while flex nets incorporate aspects of these and other such groupings, they also differ from them in crucial ways--and those ways are precisely what make flex net less visible and more accountable.
Four key features define both flexians as individuals and those influencers who work together as a flex net. Flexians functioning on their own exhibit the modus operandi embodied in all four features discussed below, as does a flex net as a whole. Because members of a flex net benefit from the actions of the collective, pooling resources and dividing labor, not all members of the flex net must exhibit these features individually.
Before getting to the four features (below), a pause to note that Flex Nets/Flexians arguably subsume/supersede notions like corruption, "money in politics," "the revolving door," and so forth. (Nancy DiParle is, I think, the candidate for Flexianhood we might be most familiar with: Wellstone VP -> Baucus CoS -> White House -> Big Pharma, leaving a trail of ruin and destruction, if you're a citizen or a patient, that is. We'd need to know more about her network, though).
And the four features:
[#1] Member of a flex net... form an exclusive informal network that serves as an intricate spine -- the corresponding (first) feature of flex nets. Flex nets draw their membership from a limited circle of player who interact with each other in multiple roles over time, both inside and outside government, to achieve mutual goals. While their roles and environments change, the group provides continuity. .... Members of what I call the Neocon core, an informal group of a dozen or so members and a successful flex net, have worked with each other in various incarnations for some thirty years to realize their golas for American foreign policy via the assertion of military power...
When such influencers work together in a flex net, they [#2] exhibit shared conviction and action -- the corresponding second feature of flex nets. ... Members of a flex net act as a continuous, self-propelling unit to achieve objectives that are grounded in their common worldview, and to brand that view to the public.
The corollary to flexians' juggling roles and representations is that [#3] members of a flex next form a resource pool -- the corresponding third feature of a flex net. The influence of a flex net derives in part from its members' effort to amass and coordinate both material and interpersonal resources. ... The Neocon core, for instance, is an example of how a ready-made network of players with its own private agendas can straddle a state-private seesaw...
Collectively, [#4] members of a flex net help create a hybrid habitat --- their corresponding fourth feature. A flex net's strength lies in it coordinated ability to reorganize governing processes and bureaucracies to suit the group's purposes.... As flex nets infuse governing with their supple, personalized, private-official networks, they transmogrify their environment, whether temporarily or more lastingly. While these groups might call to mind old notions such as conflict of interest, they illustrate why such labels no longer suffice. As a Washington observer sympathetic to the neo-conservatives aims told me, "There is no conflict of interest, because they define the interest." ....
(The key to spotting a Flexian, it seems, is to watch for the way they blur public and private and create a hybrid habitat; that what makes their Flex Nets different from the kind of personal network one sees on LinkedIn. It feels to me like spotting a Flex Net is a research project; I welcome suggestions from readers on how to do it, because I don't see how, right away.)
The excellent Health Care Renewal shows Flexians in transition , listing Robert Gibbs (Obama's former press secretary -> "consultant"), Daniel Fabricant (FDA -> dietary supplement shill), Brendan Buck (House Speaker John Boehner’s spokesman -> AHIP), and Rachel Sherman (FDA -> drug consulant). Note that, as good Flexians, these people will all return to "public service" at some future date, even if we can never be quite sure which public they serve. HCR summarizes: Read below the fold...
In their complaint filed in California state court on Wednesday, San Francisco residents John Harrington and Alex Talon accused Blue Shield of misrepresenting that their plans, sold on California's health exchange, would cover the full provider network advertised on the company's website.
They sued on behalf of a class of people who had purchased so-called "preferred provider organization" plans from the insurer only to realize that the doctor and hospital networks for their plans were limited.
Harrington bought a so-called silver plan on California's online exchange while Talon bought a platinum plan through the insurer's website. They said they made their choices based on Blue Shield's alleged representations that their doctors would be covered.
After receiving medical treatment numerous times between January and March, Harrington and Talon later discovered that their providers were not covered, forcing them to pay the charges out-of-pocket, the complaint said.
So, it's not just the narrow networks, it's that the insurers conceal how narrow the networks really are.
ObamaCare Clusterfuck: Medicare doesn't need a "CEO" because it's a simple, rugged, and effective single payer system, not an insanely complex Rube Goldberg device
Get a load of this from Reuters:
Exclusive: Obama allies revive push for Obamacare CEO
Aside from the obvious "jobs for the boiz" aspect:
A group of healthcare experts close to the White House is urging the Obama administration to appoint a new chief executive officer to oversee Obamacare's online health insurance exchanges and safeguard the next open enrollment period that begins in six months.
The recommendation, in a report due to be released by the Washington-based Center for American Progress think tank, calls for a major shakeup within the U.S. Department of Health and Human Services, which presided over last year's disastrous rollout of the federal market portal, HealthCare.gov.
The idea would be to take the exchanges out of the current bureaucracy and put them in the hands of a CEO with private-sector experience who could run them as true e-commerce sites. The CEO would answer only to President Barack Obama and his intended new health secretary, Sylvia Mathews Burwell.
So, the so-called "progressive" Center for American Progress is fully on board with the neo-gliberal idea that "government should be run like a business," eh? Market state, here we come! Read below the fold...
ObamaCare Clusterfuck: Sylvia Burwell, Obama's HHS nominee, pleases Republicans by ruling out single payer
U.S. Health Secretary-nominee Sylvia Mathews Burwell sought to allay a major Republican worry about Obamacare on Thursday, telling lawmakers that President Barack Obama's reforms would not lead to a government-run single-payer healthcare system on her watch.
Her assurance against an approach reviled by Republicans and industry leaders came during a two-hour Senate confirmation hearing at which Burwell received an important endorsement from Republican Senator Richard Burr of North Carolina. Burr sits on the Senate Finance Committee, which will decide whether to send her nomination to the floor for a final vote. ...
Republican Senator Pat Roberts of Kansas asked Burwell if such a move was her "endgame," citing top Democrats, including Senate Majority Leader Harry Reid, as having endorsed the idea.
Burwell reminded Roberts that the centerpiece of Obamacare is a private market-based insurance system of state-based health insurance exchanges.
Rememember all the career "progressives" telling us "We love single payer, but ______." Well, here we are. Republicans and Democrats are agreed that insurance parasites are necessary for health of their host! Read below the fold...
While open enrollment for coverage under the Affordable Care Act is closed, many of the newly insured are finding they can’t find doctors, landing them into a state described as “medical homelessness.”
Rotacare, a free clinic for the uninsured in Mountain View, is dealing with the problem firsthand.
Mirella Nguyen works at the clinic said staffers dutifully helped uninsured clients sign up for Obamacare so they would no longer need the free clinic.
But months later, the clinic’s former patients are coming back to the clinic begging for help. “They’re coming back to us now and saying I can’t find a doctor, “said Nguyen.
Thinn Ong was thrilled to qualify for a subsidy on the health care exchange. She is paying $200 a month in premiums. But the single mother of two is asking, what for?
“Yeah, I sign it. I got it. But where’s my doctor? Who’s my doctor? I don’t know,” said a frustrated Ong.
Nguyen said the newly insured patients checked the physicians’ lists they were provided and were told they weren’t accepting new patients or they did not participate in the plan.
Now, to be fair, "many" is not a number. But since when have we gotten good numbers on ObamCare from the administration? And since California is a Democratic state, top to bottom, we're not likely to get any good numbers from Covered California, either. Read below the fold...
Many people who didn’t sign up during the government’s open enrollment period that ended Monday will soon find it difficult or impossible to get insured this year, even if they go directly to a private company and money is no object. For some it’s already too late.
With limited exceptions, insurers are refusing to sell to individuals after the enrollment period for HealthCare.gov and the state marketplaces. They will lock out the young and healthy as well as the sick or injured. Those who want to switch plans also are affected. The next wide-open chance to enroll comes in November for coverage in 2015.
It’s a little-noted consequence of President Barack Obama’s health care overhaul, which requires nearly all Americans to be insured or pay a fine and requires insurers to accept people with health problems.
Why? Adverse selection: Read below the fold...
ObamaCare Clusterfuck: People can't find coverage that include their doctors or their drugs on the Exchange. Could that account for their unhappiness?
First, the user experience:
[T]he hunt for a health plan that would cover a particular drug or a favorite doctor proved particularly frustrating for many consumers navigating the new insurance exchanges under the federal government's health care overhaul, according to a report released Monday.
In nearly half the 85 health plans analyzed, it was difficult or impossible for people to determine what drugs were covered, according to the report by market research firm Avalere Health, the first systematic analysis of consumer experience on the exchanges.
The report analyzed health plans in five states that relied on the federal HealthCare.gov website, as well as state-run exchange plans in Washington, D.C., and a dozen states.
A directory of doctors was somewhat easier to find, but there were still some cases in which it was a very demanding search, the report found.
What's more, the websites typically ranked plans by premium price, which could have misled patients who needed a specific costly medication if it wasn't covered by the cheapest plan, Avalere spokeswoman Caroline Pearson said.
"It was very difficult for consumers to get a more nuanced view of what their plans covered," Pearson said. In some cases, a consumer would have to click six times to find drug coverage information. Even worse, no links to lists of covered drugs existed for some health plans.
That forced consumers to search insurance company websites, and, even if they found the covered drug lists, it could be tough to determine which lists went with the exchange plans they were comparing, Pearson said [and that's before we get to generics vs. brands].
"Many chronic conditions rely on medications for management and to keep people out of the hospital," Pearson said. "If your drug is not covered, then you're responsible for the full cost or you have to switch to a different drug. The impact on the patient could be several thousands of dollars a year." ...
"None of the sites has done a good job helping consumers compare out-of-pocket costs," [Robert Krughoff, president of Consumers' Checkbook] said. "That results in consumers wasting thousands of dollars a year."
Here's the story of how one engineer made sure the United States chose the right engineering strategy for the Apollo moon landing project:
[John C. Houbolt's] efforts in the early 1960s are largely credited with convincing NASA to focus on the launch of a module carrying a crew from lunar orbit, rather than a rocket from earth or a space craft while orbiting the planet.
Houbolt argued that a lunar orbit rendezvous, or lor, would not only be less mechanically and financially onerous than building a huge rocket to take man to the moon or launching a craft while orbiting the earth, but lor was the only option to meet President John F. Kennedy’s challenge before the end of the decade.
NASA describes “the bold step of skipping proper channels” that Houbolt took by pushing the issue in a private letter in 1961 to an incoming administrator.
“Do we want to go to the moon or not?” Houbolt asks. “... why is a much less grandiose scheme involving rendezvous ostracized or put on the defensive? I fully realize that contacting you in this manner is somewhat unorthodox, but the issues at stake are crucial enough to us all that an unusual course is warranted.”
So, fast forward to ObamaCare. Read below the fold...