Anybody who will be needing health insurance beginning on 1/1/14 can purchase health insurance through their state health exchange program. This began on 10/1/13 and is poorly implemented. Why? I'm glad you asked. Firsty, the website was not designed to accommodate the use of several million people per day. Second, the purchase of health insurance can only be done via website or by one arranging to meet with a broker or navigator personally. Seriously? If the government was unable to implement website use that could accomodate the use of many people otherwise know as large traffic, then how long would it take to arrange a "private" meeting with someone knowing full well that this person covering a specific area may take a while to get to you. This was a poorly designed and poorly implementated plan for a health exchange program that includes financial assistance. The problem is that yes, you can purchase the health insurance you want from the health insurance company directly, but it does not factor in the financial assistance necessary for a person to be able to afford the health insurance. So now we have a situation of many cars trying to get through the only lane open to traffic.THIS MEANS THAT MANY PEOPLE REQUIRE FINANCIAL ASSISTANCE FOR THE PURCHASE OF HEALTH INSURANCE AND THE GOVERNMENT WITH IT'S POORLY DESIGNED WEB WEAVING WEBSITE IS MAKING IT DIFFICULT FOR ALL THOSE WHO NEED IT. Yes, there have been many mistakes and the government is crying about a shutdown resulting from their budget. Lots of money could be saved by putting the people who are working for the state health insurance exchanges to work. You may say they are working. Ok, but things can be done more efficiently if they were able to take applications over the phone and then provide the caller with a confirmation number afterwards. This would relieve the heavy amount of internet traffic that there is. The state insurance health exchange can also create an automated system through the phone so that applications can be done by the phone and completed without assistance from a customer service representative, unless of course there is a problem and you need to speak to someone.
Regarding the actual website issues, it would save a lot of money and or time to have the entire application available online so that one can print it fill it out and mail, fax or e-mail it back. The government has already proven that they were too late for next week. Imagine if their jobs were to depend on it. Or if a big boss said "Go home and don't come back your first, second and third day presentations were a failure." Such as this. In New York State, where I live you have many counties. What the health insurance exchange should have done to reduce online traffic to one site, was to regulate the enrollment by not only state but by county. The purchase of insurance could then be done through your county website eg. Westchester New York.gov or something to that effect. This would reduce the amount of traffic to just one website and create more lanes to get through and process more applications.
Lastly, why does the government pout about not having money to spend and then continues to waste it by creating a website that does not work as it should, hiring phone operators who do nothing but apologize for the inconvenience and take your information for an application to be mailed, then have the utmost nerve to give March of 2014 as a deadline for ending open enrollment? Surely, this must be extended to allow the many people who need to get through this one open lane of traffic.
Improvements needed are as follows:
1. Have health insurance applications to be completed over the phone by talking to a customer service representative or by an automated phone system.
2. Create a functional website that allows the counties in each state accept applications to be completed online as this would send traffic to other county websites to accomplish the same thing so that everyone involved can get financial assistance regarding the purchase of health insurance.
3. To have actual paper applications become available from the health insurance exchange website or your counties website in the state you reside in so that the application can be printed and completed. These applications can be faxed, mailed or e-mailed back.
4. Have each health insurance company involved in the state health insurance exchange program accept applications by mail or website and then forward the completed application along with the request for financial assistance to your state(the state you live in) for eligibility and financial assistance review. Once this is completed you can log into the health insurance company website you have selected and check on the status of your application from there. This would be a way of applying to the insurance company of your choice and getting the neccesary financial assistance also.
Of course when it comes to the government providing money, you get what you pay for; which means a lot of aggravation. But, many people did all they could to be able to afford decent health care insurance, but the jobs and salaries are not providing the necessity to do so. The government really thinks people like myself enjoy going to them for help. As the government is dead wrong on this, I would not ask the government for anything if the jobs and salaries were available legally so that I could support myself and provide benefits like health insurance without government assistance. Why is this not available for people and others like me? Instead the government creates a system of more difficulty for people who through no fault of their own ended up without decent jobs and salaries so that they would have to rely on the government. This is not right, fair or appropriate for a government to treat hardworking citizens in this manner.
The state health insurance exchange program- is there a surgeon in the house, the problems that exist are more invasive?
Regarding the actual website issues, it would save a lot of money and or time to have the entire application available online so that one can print it fill it out and mail, fax or e-mail it back. The government has already proven that they were too late for next week. Imagine if their jobs were to depend on it. Or if a big boss said "Go home and don't come back your first, second and third day presentations were a failure." Such as this. In New York State, where I live you have many counties. What the health insurance exchange should have done to reduce online traffic to one site, was to regulate the enrollment by not only state but by county. The purchase of insurance could then be done through your county website eg. Westchester New York.gov or something to that effect. This would reduce the amount of traffic to just one website and create more lanes to get through and process more applications.
Lastly, why does the government pout about not having money to spend and then continues to waste it by creating a website that does not work as it should, hiring phone operators who do nothing but apologize for the inconvenience and take your information for an application to be mailed, then have the utmost nerve to give March of 2014 as a deadline for ending open enrollment? Surely, this must be extended to allow the many people who need to get through this one open lane of traffic.
Improvements needed are as follows:
1. Have health insurance applications to be completed over the phone by talking to a customer service representative or by an automated phone system.
2. Create a functional website that allows the counties in each state accept applications to be completed online as this would send traffic to other county websites to accomplish the same thing so that everyone involved can get financial assistance regarding the purchase of health insurance.
3. To have actual paper applications become available from the health insurance exchange website or your counties website in the state you reside in so that the application can be printed and completed. These applications can be faxed, mailed or e-mailed back.
4. Have each health insurance company involved in the state health insurance exchange program accept applications by mail or website and then forward the completed application along with the request for financial assistance to your state(the state you live in) for eligibility and financial assistance review. Once this is completed you can log into the health insurance company website you have selected and check on the status of your application from there. This would be a way of applying to the insurance company of your choice and getting the neccesary financial assistance also.
Of course when it comes to the government providing money, you get what you pay for; which means a lot of aggravation. But, many people did all they could to be able to afford decent health care insurance, but the jobs and salaries are not providing the necessity to do so. The government really thinks people like myself enjoy going to them for help. As the government is dead wrong on this, I would not ask the government for anything if the jobs and salaries were available legally so that I could support myself and provide benefits like health insurance without government assistance. Why is this not available for people and others like me? Instead the government creates a system of more difficulty for people who through no fault of their own ended up without decent jobs and salaries so that they would have to rely on the government. This is not right, fair or appropriate for a government to treat hardworking citizens in this manner.
The state health insurance exchange program- is there a surgeon in the house, the problems that exist are more invasive?
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