Marketplace overload and insurance company web page glitchby Denise Early on Oct. 01, 2013, under Health
Don’t bother to try checking out the Healthcare.gov link to the Marketplace if you live in places like Arizona where the feds have set up the Marketplace. It is either overloaded with traffic or just not working. I tried at 6 am and 8 am and could not create an account, which would then let me take the next steps to compare plans offered in Pima County Arizona.
Next, I thought I’d try insurance company websites so I could take a look at their plan details without knowing what they would cost. The Humana website says “there are no medical plans in Arizona”, which I know is not true. I was on a conference call with Humana just yesterday that was all about their plans for the Arizona market.
Next I went to Health Net’s website, and they list the details of their eleven HMO plans (!!) and eight PPO plans. Wow. That’s a lot of plans. But it looks like their plans are like pre-Obamacare plans in that they don’t have co-pays for doctor visits, urgent care, and the ER, except for their Gold and Platinum plans. But you can’t get any pricing details until you go through the Marketplace, and that’s not working. You can fill out a form, but that is to have a company rep contact you.
The Blue Cross Blue Shield of Arizona website (azblue.com) also provides its plan details and it looks like their plans provide unlimited doctor visits for co-pays. They have a co-pay for urgent care and an ER co-pay. But I’m not sure if that ER co-pay is just for the facility or if it covers all services in the ER. I need to check on that.
I haven’t checked the other companies that will be on the Marketplace in Tucson and I can’t get real details until the Marketplace is working. I have a feeling it could be days until they are not overloaded with too many visitors. I’d like to check out all the details and all the plan options, but I need to do some work for my Medicare clients. I love Medicare! It is so much simpler – even when you throw in Medicare Advantage.
9:38 am UPDATE: Humana just sent an email with a calculator that figures out the premium and the subsidy a person would receive based on their income. Cool! This means I don’t have to be on the Marketplace to help people get started in evaluating Humana plans. If the other companies are paying attention, they will provide something similar to brokers. I have a feeling a lot of work will be better done “offline”.