healthcare.gov

One of the worst customer service experiences I've had. People on the phone service are manipulative or at least don't truly care about helping you.

This insurance plan is the worst plan ever! If I would of stayed in my so called network I could be dead by now, My network doctors missed the cancer in other areas of my body, the in-network said I was stage 2 colon cancer, the doctors in my network wanted to remove everything and give me a permit colostomy, I reached out and found a Doctor at Mayo Clinic that could perform the surgery without a permit colostomy. When I got there they found the cancer was in other places in my body, Mayo Clinic said this was a fast growing cancer and if I did not get treated I would possibly be gone by this fall. Since I went out of network, Anthem Blue Cross will not pay for the surgery or any of the testing done at Mayo Clinic we now have a $100,000. Bill at the clinic our insurance will not pay because I choose to go to a Doctors and hospitals who gave me the best care I needed for my situation. We pay $1200 a month for 3 in our household, and $6500 deductible per person. It is sad we can not choose our Doctors and hospitals we want to go to all due to the Obamacare Plan.

Changing your address seems clear and easy online but that is not what happens. I submitted a life change and applied for insurance in my new state. That did not cancel my insurance in my old state nor did it actually change my address. When I kept getting mail for my new insurance at my old address, I called the insurance company to get it fixed. I had to be transferred to the marketplace to change it through them. At some point, my new insurance was cancelled and it was being reinstated in my old state. Extremely confusing for no reason and nobody was able to fix it. After being on the phone for 1 hour and 46 minutes, talking to 3 different people, and still not understanding why this change of address turned into mess that it did, I just cancelled everything. Then the customer service rep began gaslighting me telling me how easy it was for people who were trained to use the website. I AM NOT TRAINED! I AM A CONSUMER! CLEARLY IT IS NOT SO EASY! I'm beyond frustrated and upset, especially at the way I was treated and talked to by the last rep.

I have been going through the Marketplace for 8 years now (employer doesn't offer ins.). In Nov. 2020 I went online to reapply (as I do each year) and I also called and spoke with a rep. I picked a Blue Value
Bronze plan this year with a $8,500 deductible but was never told where to pay or given a subscription ID, etc. I received no notifications from BCBS or the Marketplace on how and where to pay for this changed plan. I called BCBS in Dec. 2020 and tried to give my credit card info but the system was not finalizing the payment (in a loop or glitch). Then I emailed BCBS and no response. In the first week of Jan., after hearing nothing, I called BCBS and they told me the Marketplace cancelled me for non payment. I explained what happened and then called the Market place to be re enrolled and spoke to Donna George who told me that they would work on re enrolling me and would let me know the results. I have had melanoma and have high blood pressure. I don't need to be without catastrophic coverage (really all this plan was). I called 3X to the marketplace and was put off & they told me they were working on reactivating my application. On Jan. 26th I called again & spoke to two people and was told that I was cancelled. I believe this was a set up to drop me from the Marketplace and BCBS. If this has happened to you, I would love to hear from you at dltant 1964 at gmail dot com. I wrote the Health & Human Services to complain.

Writing this review in all honesty. I've had a health plan with marketplace for the past two years. When I re-enrolled for the current year, 2016, I recieved a letter shortly after enrollment saying additional documents were needed to verify I didn't have any other additional health coverage. It didn't specify which documents, who to inquire with, or any other information. I called more than five times and did not receive a return call. Then, I finally reached someone who told me I didn't need to send any additional documents and everything was up to date. A month later, I recieved another letter and was given the same speil. Two months later I recieved a third letter and this time when I called, the representitive told me I needed to contact the dhhr and get a verification letter sent in. When I explained that I had called in prior to talking to her, she stated there was nothing noted in my records that stated anything about me calling. I was also hit with a $30 increase that I'm still trying to work out. I'm the type of person who owns up to my mistakes but in this circumstance I do not feel like I did anything wrong and if anything, was given very poor service and lack of information. The quality of professionalism is not satusyfing at all and I wish I had multiple options being self employed because I would look elsewhere. If you are reading this and desire quality service, quality healthcare coverage, and affordable rates, I suggest doing research and comparing any and all options.

I bought my family health insurance through market place. First of all they sell you something which is not even worth paying. If you call their customer service for help they are rude. They don't want to help, all they need is your business. I WANTED TO CANCEL MY INSURACE BUT I COULDNOT BECUSE I HAVE TO PAY A PENALTY FOR CANCELING IT. I have to keep it for whole year that's the only way I can cancel it so now I have to pay my premium every month even tho I don't want to.
ALL I CAN SAY THEY R CHEAT, FROUD AND LIAR. Do not get health insurance through them.

Been calling for the last 5 nights after work and dealing with the lost ignorant and unprofessional and definitely the uneducated bunch of people. We been told our address is wrong, we been told we did not pay the bill, we been told we live in another state, we been told we never have had insurance.
We have had BCBS of Anthem for 16 years and never had a break in coverage. Actually went to the doctor today and which my insurance card was accepted and processed. They told me I have not had insurance since 2018... lol.

Really, I have had two major surgeries and tons of doctors visits. So since I don't have health insurance and to whoever paid all my medical bills I want to think you so much! Here I thought my insurance was paying... BEING SARCASTIC OF COURSE. The supervisor said she had to escalate the process so she could see what was going on with the 1095... she indicated I needed to maybe pay the states penalty if they asked me to pay it at tax time. Why would I pay a damn penalty for coverage I had and always had. This is the most horrible place to get insurance and don't expect them to truthfull about anything.,, THIS IS GOVERNMENT!

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Ms. Joan Ross from Kansas is phenomenal at what she does. Extremely knowledgeable. Polished professionalism.

I was browsing healthcare.gov plans through the marketplace and noticed a HUGE discrepancy. After you apply for coverage for 2020, in the section where you are able to enroll for a plan, there are many plans displayed to select. I noticed that the overview of the plans on the healthcare.gov website for some plans had a large red x next to Humira (the drug for my arthritis) meaning the plan did not cover the drug.

I noticed when I went into further detail and clicked on all of the PDF's of the plan especially in the covered drug pdf, it turns out that Humira was indeed covered through the plan. I called and spoke with a floor manager at the marketplace who said that the insurances are the ones who update the information so there is nothing that can be done.

PLEASE LOOK AT WHAT YOUR INSURANCE COVERS IN THE BENEFITS AND COVERED DRUG SECTION PDF DOCUMENTS AND DON'T PAY ATTENTION TO WHAT THE HEALTHCARE.GOV WEBSITE SAYS, CHECK THAT YOUR DOCTORS ARE COVERED EVEN IF MARKETPLACE SAYS THEY ARE COVERED! DO NOT PAY MORE MONEY OR GET A LESS THAN IDEAL PLAN BECAUSE YOU DID NOT DO YOUR DUE DILIGENCE AND THOUGHT SOMETHING WASNT COVERED WHEN IT WAS COVERED. KNOWLEDGE IS POWER.

Everything about having a plan through the Marketplace has been difficult. Enrolling was difficult, getting the Marketplace information to connect with the insurance company was difficult (and took weeks to resolve), correcting the start date was difficult. I guess it only makes sense that getting my tax form is difficult too. I received an email saying it would be available by Jan 31st but I had not received it. I gave it an extra week or two because I thought it was in the mail. I finally called in Feb and they confirmed I did not have a 1095-A on file. They opened an escalation ticket and said that they have 45 days to respond. 45 days! That means I have to file a tax extension because it will not be resolved by the time taxes are due. I have called a dozen times asking for updates but I keep being told that they can't do anything until the 45 days has elapsed and that this is a "very busy time for them"...well yes, at what other point in the year would people be needing tax forms!?!? Sounds like they need to hire more people instead of take 45 days to resolve one issue. Don't ask to speak to a manager, or ask if you can file a complaint; that sort of thing simply doesn't exist. You are at their mercy and will pay the repercussions for their mistake. You have to call endlessly for updates. You have to file a tax extension and you have to wait extra time for your refund. It is very very frustrating. I will say that all 15 people I have spoken to have been very nice and I understand that their hands are tied. I am more annoyed with the process than anything else. It's ridiculous. Imagine me telling the Gov that it will be 45 days before I provide them with a response. Give me a break.

She's an amazing woman of God! She's patient & caring she took her time with me and gave me understanding of my health care

The customer support and staff are great. John Courier(spellcheck), helped me today and was extremely helpful.

The Health Marketplace was a dream come true at first. But for the last 2 or 3 years, the quality of their consumer care has greatly declined. I called on December 2021 to renew my plan. The "agent" who answered my call assured me that the plan she was going to put me on was the same as the one prior yet would allow me to see my eye specialist as I have a serious case of glaucoma. So, when I received my new card I automatically called my doctor office to take an appointment. And, I was told that the plan I was on was not one they take! Then, I have some health issues so go to specialists. My copay for specialists is now 120 dollars instead of 20. I stopped seeing my chiropractor since now I have to pay 60 instead of 10. The worst part is that I have tried and tried to petition the marketplace explaining that I had been given false information by one of their own agents. At first, they would not even accept to take my petition. One hanged up on me. After weeks of calling, I finally get through a supervisor who understands and completely agrees I should be given the permission to change plans before the end of term. I just received a letter from Florida Blue stating that my petition has been denied and that they cancelled my membership altogether since I apparently asked them to do so. First, I never ever said such thing. Second, my health insurance and marketplace refuse to communicate and not surprising to me that it is a total mess. I am disgusted with this health care system. It is a shame. Many of my friends do not even have health insurance and I am now in the same situation. Market place also kept asking for documents that Were sent many times by my Florida Blue agent and myself. The marketplace kept asking for the documents and the last letter I received came after the letter from Florida Blue stating my membership had been cancelled. This is absolutely ridiculous. This is stupid. Such a waste of my and many others time and money… of course, someone in Florida Blue is getting richer and richer and I suspect that the marketplace has gone downhill since many want to see the plan to disappear. The system is broken and it is about time for a new reform. Health care is not a privilege. It is a human right.