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MNsure can't handle paper?

December 16, 2013

To the editor: In mid-October we were informed that paper applications would be accepted to meet the Jan. 1, 2014 (health insurance) coverage date. On Dec....

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(44)

catch22

Dec-18-13 6:53 AM

It seems MNSure is lacking in more areas than just accepting paper! I agree with you though. Not all people have or use computers. My father had never used one before. This whole ObamaCare is a joke. My good insurance has gone to mediocre. Thanks Barack.

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Integrity

Dec-18-13 8:01 AM

$23/month for newborn baby dental care. Maternity care for the adult male member of a family plan. Can't handle paper applications. Let's make the people jump through the hoops and just lump everyone together, whatever's the easiest for the government to handle, maintain the programs that THEY implemented. Just complete the misery and make it a single-payer system and stop hiding behind MNSure.

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JReader

Dec-18-13 8:38 AM

Our government can't even handle health care exchange web sites. If it can't handle these what makes you think they would do any better with a single payer system ?

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Auntydem

Dec-18-13 9:24 AM

No one is forced to buy separate dental coverage for a newborn, and that $23 is an average rate for a stand alone policy - if and when parents choose to buy it. Pediatric dental coverage has to be available, but people don't have to buy the coverage if it's offered as a separate plan. Some states offer the option of general health plans which include dental coverage for children with the cost being a few dollars a month in the overall premium. In addition the ACA removes the annual cap on coverage. MN Dental Assoc – “While a pediatric dental benefit is required to be offered on the exchange, families are not required to purchase the benefit.”

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Auntydem

Dec-18-13 9:31 AM

Integrity - How is this "maternity care for the adult male member of a family plan" thing different than coverage under an employer-based or any group plan? Everyone has the same benefits whether they use them or not, and the cost is spread among the group.

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JReader

Dec-18-13 12:45 PM

Aunty,

What the government has done has taken away the individual's right to choose what coverage they believe is best for them. It's inaccurate to compare an individual and group insurance plans. Group plans are underwritten differently than individual policies and as such have different rates. Also, most all group plans have employer participation in paying for portions of the premiums. It only stands to reason that an individual would only want to pay for coverage they themselves need to better manage their costs whereas a group plan is just that - it covers a wide span of people with varying needs. Apples and oranges when you get right down to it.

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middleclassworker

Dec-18-13 7:56 PM

I'm so glad my employer pays for my family coverage. Problem solved.

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Integrity

Dec-19-13 7:37 AM

Auntie: I can show you the paperwork as well as give you the number to call (Blue Cross/BS). My policy that was great for me and my family was required to change into a plan that now has a newborn dental rider. I have read on healthcare**** as well that 0-18 are required federally to have dental coverage. If this has changed, maybe so will my coverage, but as of now, Jan 1-newborn care. In addition, read JR's comment. I don't need the government to make decisions for me regarding the insurance and care of my own family. If some people do in our society-that's their problem. I'm a responsible adult, living within my means, providing for my family, making responsible decisions for them - maybe the govt thinks we don't exist anymore.

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Integrity

Dec-19-13 7:42 AM

Let's not forget that before all this mess there already was a system in place to help the less fortunate with health care - MN Care and Assistance. If there were reforms to be made - couldn't have the existing system been fixed, worked on instead of starting over and creating a whole new bunch of problems and issues that affect not only the low-income but also the middle class that was already providing care for themselves, family???

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JReader

Dec-19-13 9:24 AM

So MCW, your concern for your fellow man only goes so far then ???

Integrity,

Funny thing is people in Minnesota will be getting "merged" into MnSure the problem is they don't know how to do it so what's happening is many people on a public assistance right now are finding themselves with dual coverage from both their old plan and their new one. I'm sure there's no government waste going on with that...

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Auntydem

Dec-19-13 10:02 AM

Integrity - Your insurance company did that. You can google "newborn dental" and find that has been around long before ACA, and opinions from favoring it right away - because it covers gums and soft tissue - to getting by 9 months, to getting it later. Healthcare*** says it has to be available. MN Dental Assoc says While a pediatric dental benefit is required to be offered on the exchange, families are not required to purchase the benefit.

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Integrity

Dec-19-13 11:53 AM

*****://****healthcare.gov/can-i-get-dental-coverage-in-the-marketplace/ Here you go Auntie...read 2nd paragraph under 1st bold heading. I'm not hear to debate the benefit or non-benefit of newborn dental care. I'm hear to debate the fact that I can make care decisions about my children on my own. That's my debate...and this back and forth about what's mandated covered vs not is another huge reason of what a mess this is because NO ONE knows answers to a huge number of questions about this legislation.

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middleclassworker

Dec-20-13 12:19 AM

Thanks for the laugh, JR.

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JReader

Dec-20-13 10:19 AM

Your welcome MCW.

The Whitehouse is waving the white flag. They've just announced a "hardship exemption" for people who's insurance premiums increased under Obamacare mandates. This latest move has once again caused insurance companies spinning as they try to adjust to the latest shift in the healthcare debacle. As it turns out as 2013 comes to an end there will be fewer people with health insurance than when it became mandatory under Obamacare.

Integrity, maybe this latest shift in Obama's stance will allow you and your family to once again find more affordable coverage. I'll keep my fingers crossed for you.

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GopherState

Dec-20-13 8:35 PM

The library has computers available for those who don't have one.

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Avoice

Dec-20-13 10:46 PM

Those who do not have a computer nor have ever used one will have a difficult time using the machine much less trying to find the turn on button.

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middleclassworker

Dec-21-13 10:13 AM

We cannot hold their hands forever. There has been free community ed classes in the past. Did they think computers were just a fad that would go away? I have to keep up with technology to stay relevant in my career. People like my Grandma who have no use for a computer have people that can help them.

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middleclassworker

Dec-21-13 10:17 AM

Paper forms come with increased costs and increased costs get passed on to the rest of us. We want lower taxes and fees, right?

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654321

Dec-21-13 10:15 PM

@ MiddleClassWorker, if the ObamaCare law remains as it is today your employer provided benefits will come to an end on Dec 31, 2014. Come Jan 1, 2015 you will be buying your insurance through MNSure or HealthCare.gov. Enjoy it while it lasts.

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middleclassworker

Dec-22-13 6:24 PM

Wrong. My insurance premium is PAID by my employer in full. The check goes to my union's self-insured plan. We have a multi-employer insurance plan. While we are currently lobbying against some of the rules that may take effect, I have heard nothing of it's demise.

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JReader

Dec-23-13 9:25 AM

MCW,

Sounds like your plan will get nailed with the extra tax for being a "cadillac plan" unless of course your union was one of them that made a deal with Obama to get exempted. He does take care of his friends you know while the rest of us get screwed.

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Avoice

Dec-23-13 12:35 PM

MCW "People like my Grandma who have no use for a computer have people that can help them." If they are "honest" people, go for it, but, seems like the so called "navigators" in some areas need a little honesty and truth testing from reports being made.

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middleclassworker

Dec-23-13 9:11 PM

There should be no such thing as "Cadillac Insurance." Having insurance that pays medical bills is not a luxury, it is taking responsibility. We gave up raises to keep this plan. We pride ourselves on negotiating a fair contract for ourselves and our employer. We shouldn't be penalized for it now. That is why we hired a lobbyist to exempt such plans from the Cadillac tax.

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middleclassworker

Dec-24-13 2:49 AM

Merry Christmas MT, and thank you for your question.

I don't believe that anybody should be taxed for having good insurance that doesn't put them in the poor house, union or not. I believe that the parts of the Affordable Care Act that need work should be debated among a fair and reasonable legislature. As I said before, there is no luxury in having good insurance. It just makes good financial sense.

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Avoice

Dec-24-13 9:30 AM

MCW-" I believe that the parts of the Affordable Care Act that need work should be debated among a fair and reasonable legislature." Why was this not done in the first place if the then current Congress had been capable of doing so? The 2,000+ page document may well have had good intentions but the 30,000+ pages of "bureaucratic stupidity"(plus current exec decisions) have undone any good intentions and is creating mass confusion in the insurance industry and the healthcare industry. IMHO, this was a planned policy to destroy this part of the economy, not reduce the cost of it.

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