America’s Silliest Enrollments

Today, for a change of pace, we’ll talk about some of the funniest things that happen on Customer Service Calls. He’ll Call Back When He’s Older: Amy: Hi, I am having trouble enrolling. Rep. Tom: No problem – oh, wait, I see that you aren’t authorized on the account. Is Billy home? Amy: Sure, he’s…

The Normal Person’s Guide to Coinsurance

Okay, we’re going to interrupt Mary and Billy’s journey to the Maximum Out of Pocket for a brief side trip through coinsurance and copays. Don’t worry – we’ll get there! A coinsurance is simply a set percentage of the allowable that you pay. All done – we now rejoin… wait, you didn’t get that?  …

The Ultimate (Quick) Guide to Cancelling Your Marketplace Plan

Okay, as we discussed in “Five Things to Never Say to Customer Service” there is a difference – a big one – between cancelling a plan and terminating a plan. If you want your coverage to end you want it terminated. But what if you want the plan gone altogether – for it to have…

Five Things to NEVER Say to Customer Service

We’ve all been there – and we’ve all been tempted to say things we shouldn’t because we are angry or frustrated. But some comments can be a lot more costly than they are worth in time, frustration and even money. Here are five to never make while you’re angry – or at all!

But I Just Have A Quick Question: Calling the Call Center Anonymously

There are times when you just don’t want or need to verify your account – and other times where failing to verify your account will just complicate things. Know which is which before you dial! Basic questions can be safely asked anonymously. Things like ‘what is you website address?’, ‘what does Cost Share Reduction mean?’…

Surviving Your Special Enrollment Period

You just moved to a new state. Your wife just had a baby. Your employer just decided not to offer health insurance. You just got a new job without health insurance and no longer qualify for Medicaid. Your employer sponsored premium just shot through the roof and is on its way to the stratosphere. What…

Nobody Asked You, Arthur!

Today we have a case study in why it’s a very good idea to have health insurance – especially if your bank account isn’t familiar with positive territory. In between jobs, watching the cash flow (mostly out) – holding off on buying new shoes is a sensible decision, right? Well, I thought it was. The…

Devilish Details: Why These Numbers Matter to You

ABC Insurance Bronze Plan $6500/50 – your eyes are glazing over already, aren’t they? Insurance plans are so danged detailed when all you want to know is how much it costs each month and what you have to pay to see the doctor. But not knowing those details can really hurt you in the long…