At what point am I allowed to say healthcare.gov is a freaking nightmare

[Autumn Colors]

54. Can't everyone start at their STATE gov website?

Last edited Fri Oct 4, 2013, 11:22 AM - Edit history (3)

I never even went to healthcare.gov. I started at my STATE government website (www.ct.gov) and then clicked on the button on the left side that says ACCESS HEALTH CT.

I registered and did the application process this morning with no problem. The only thing I'll have to go back and do is that I need to submit a profit/loss statement for Jan-Sep of this year and then a statement of estimated income for the rest of this year since I'm self-employed (a medical transcriptionist) with income that changes every year.

The good news? Looks like I'll be getting enough of a subsidy so I can get a Silver level plan through our state's newly formed nonprofit healthcare co-op for $85 per month and the co-pays are very, very low, ZERO deductible, and maximum out-of-pocket amount per year is $2,000. As an over-50 female who had to drop insurance several years ago due to cost, I'm THRILLED.

Most of the specialists I've either visited as a patient or transcribed for are already on the "in-network" physician list. The website says more doctors will be added as they join and even says that if your doctor isn't on there, to give them the URL so they can check it out and join the network.

So, I would say that if you can, try to bypass the federal government website and go straight to your state's website. It might be quicker.