Friday, February 28, 2014

"Fun" at the Health Insurance Marketplace









I just spent over two hours trying to obtain dental insurance for my son. I've been
dreading going to the Health Insurance Marketplace, because I heard so many
horror stories about it. I figured by now though things would be running a little more
smoothly.

I filled out information about myself then I had to create a username, password,
then give them an email address, so they could then email me to tell me to go back
to the marketplace website to finish my application. When I went back and finished
the application I thought I was set to pick out the dental insurance, but the section I
needed to click on was mysteriously "locked." I ended up calling the marketplace's
phone number for help and after an hour on the phone I was told that, "because 
you didn't pick out a health plan first, we cannot simply give you dental insurance on 
its own." The representative was really polite, but it would've been nice to have 
known that information before I spent an hour filling stuff out online! All I wanted 
was dental insurance, so that was all I applied for. So if you only need dental insur-
ance be warned, you have to pick out a health insurance plan first and if the plan you 
choose doesn't include dental insurance... then you can choose a dental plan.