TexasCHLforum.com

N5wd and VMI77,
Thanks for the feedback. I'll pass along your input.

Does anyone trust the so-called "navigators"?

Yes/No?

If yes, are you able to explain why?

Here is reason not to trust them. http://www.newsmax.com/Newsfront/Obamac ... /id/542091" onclick="window.open(this.href);return false;

One quote from report

"Major problems have plagued the Navigator and Assister programs in the first 10 weeks of enrollment," his committee's report states. "Poorly-trained navigators gave consumers incorrect information about the healthcare exchanges, violated HHS rules, and even encouraged applicants to commit tax fraud in some instances."

Remind anyone of ACORN?

Abraham wrote:Does anyone trust the so-called "navigators"?

Yes/No?

If yes, are you able to explain why?

Absolutely NO!

I tried to use Healthcare.gov today to purchase a new plan for my wife and me, and suffice it to say that it is just not usable for a self-employed person. Allow me to explain.......

I had two primary sources of income in 2013, as I did in 2012. Since 2013 is not over yet, I am supposed to use my 2012 figures, as they appear on my 1040. Those two sources of income are: A) the consulting/hosting income earned by my business; and B) disbursements taken from our retirement account. None of this income is regular. I never know from one month to the next exactly how much money I'm going to have/earn. I might get more than one contract in a month, and then have no contracts for 2 or 3 months.

So, I find the plan we're going to buy (if we can get past the website obstacles), I have my agent's FFM ID and NPN Number, and I set my account up at healthcare.gov. When I get to the part where you have to give them your income information, it can only accept self-employment income as a monthly figure. If I take the annual figure, divide it by 12 and use that as a monthly figure, it extrapolates that number into an annual amount that is less than it should be. For instance, if that annual amount off the 1040 were (hypothetically) $20K, I divided that by 12 and enter the amount of $1,666.67. Then the system says, "it looks like you make $18,446.60/year," which is actually short by a little over $1,500.........so that number makes no sense.

Then, it asks me what kind of other income I have, so I enter the amount of disbursements, and for each one I have to tell it the frequency...like just once, or monthly, or whatever. Well each disbursement is just once, but the system adds them in as just once in each month.

The net result is that the system tries to say that I've had hundreds of thousands of dollars in income, and of course nothing could be further from the truth. So now I'm dead in the water and exhausted. It was a 2 hour process to get to that point, and I'm stymied.

I have no choice now but to call a navigator, because I don't know what to do next, and I am royally ticked off. Whoever thought this was a good idea can stick it.

Absolutely unacceptable!! Odumbell should be tried for treason!

I claimed that I make more than 8,000 per month and my wife and my kids were offered Medicaid
I restarted my app after I deleted my existing app and then I gave up as only insurance plans with 20% co-insurance or more are offered.
I finally went to Humanna and I got my family a plan at max cost per year of $16,000. That is $10K premiums and $3k deductible and $3k Max out of pocket.

Now my health care bill is $23,000 per year. It is almost 50% more than last year.

I had a little different experience than TAM but very similar to Beiruty's. It told me that my wife qualified for a subsidy and me and our two kids qualified for Medicaid. We definitely do not qualify for medicaid. I even tried to convince the rep at the other end of the online chat feature. I even called and spoke to a lady. They both said I should just "accept what the system said". When I told them we don't qualify nor do we want what the system said, she said I could file an appeal.

A couple weeks later, a buddy sent me this article. The system definitely does not understand self employed income.

http://www.usatoday.com/story/news/nati ... s/3871113/" onclick="window.open(this.href);return false;

If this doesn't sink the Dems in 2014 I don't think anything ever will.

Read this article. Man with $5,000,000 paid for home in Virginia is put on medicaid.

http://www.foxnews.com/politics/2013/11 ... -medicaid/" onclick="window.open(this.href);return false;

mojo84 wrote:Read this article. Man with $5,000,000 paid for home in Virginia is put on medicaid.

http://www.foxnews.com/politics/2013/11 ... -medicaid/" onclick="window.open(this.href);return false;

Break out the hip waders. Obama has us in deep dodo.

jmra wrote:

mojo84 wrote:Read this article. Man with $5,000,000 paid for home in Virginia is put on medicaid.

http://www.foxnews.com/politics/2013/11 ... -medicaid/" onclick="window.open(this.href);return false;

Break out the hip waders. Obama has us in deep dodo.

In similar situations, some may collect SSI AND they are on Medicare.

This is not new or unique to ObamaCare.
As far as I know, to qualify for Federal help you need to report your last year taxable income and not your net worth.

The unique part is that the government has set up to sell you "private" insurance and they are pushing you to Medicaid, government program, even though people really are not qualified. That is definitely unique to Obamacare.

mojo84 wrote:The unique part is that the government has set up to sell you "private" insurance and they are pushing you to Medicaid, government program, even though people really are not qualified. That is definitely unique to Obamacare.

The web-based system is not fixed and not even complete. The developers of the system should be investigated for mal-practice and failure to deliver a working product by September 1, 2013.

Who would investigate the "implementation program" stake holders?

mojo84 wrote:The unique part is that the government has set up to sell you "private" insurance and they are pushing you to Medicaid, government program, even though people really are not qualified. That is definitely unique to Obamacare.

This is the statists dream: create as big a dependency as you can, because once you've got everybody on that dependence, you own them. There is something so massively evil behind this whole thing.

Anyway, I phoned my insurance agent and described what happened to him. He said that I should go ahead and try to call a navigator. He said that he has had other self-employed clients successfully navigate the process, but they had to bull their way through it by averaging income and so on. He also said that, of course, the danger is that if the system does not extrapolate your average numbers into something close to the actual annual number—like it did with me, see my previous post—then you risk understating your income and over-claiming your subsidy, and then you have to pay back the difference at the end of next tax year.......and that can add up to a LOT of money.

We are so screwed.