Just to be clear this is not a political rant. My issue is not with
the politics or ethics of "ObamaCare" - it is with the technology and
beauracracy behind it.
I have been trying to get health coverage with CoveredCA (the
The website is completely broken.
The organization is completely broken.
Between 2014 and the beginning of 2016 I have only been
by Covered California to have health insurance for 7
months. The rest of the time I have been forced
to have no
health insurance. You read that correctly. The organization that is supposed
health coverage for all is actually forcing
me to not have health coverage for the first (and now second and third)
time in my life.
Think of how broken an organization must be to not just fail at it's
mission, but to actually do the exact opposite of it's mission.
My ordeal with Covered California has been endless, with countless
hours trying to deal with the organization directly, trying to fix
the problems it caused with Medi-Cal, trying to fix the problems
it caused with my health insurance. At every step, every time, Covered
CA has done things wrong, in every case, at every point.
Before you give me advice on how I should just file an appeal or call
the state Ombudsman, please read the history. I have done that. I
have appealed, and Covered CA and I appeared in front of a judge and
the judge agreed with me and issued a judges order
CA to fix the issue at hand. Covered CA simply ignored the
. Covered CA has violated my rights and broken the
law repeatedly, time and time again.
Read on, I've tried to organize it as best as possible.
If it seems like too much to read, I agree with you. Now imagine
and throw in the many hours of hold for each phone
call as well. As I've said many times through this ordeal:
At this point I'm going to have to admit I am really confused
why there aren't a number of people who are responsible for
this in prison.
Click on the
buttons to expand any of the sections below and also on the → links to get further details.
I spent over 4 decades of my life with health insurance every single day of my life
It is a priority in my life. I am a consultant, and there are often times in my life that
I am unemployed and I have always
made sure that I had health insurance during
those times. Always.
And then came Covered CA in 2014...
- 01/01 - 02/28/2014
NOT INSURED (for the first time in my life) because Covered California signup for my account was broken and they would not respond to phone/email.
(it takes them almost two years to fix this problem)
- 03/01 - 04/30/2014
Insured (Blue Cross)
I should be covered by Medi-Cal with full payment (since I am unemployed), but instead I am paying
- 05/01 - 08/31/2014
Insured (Blue Cross)
I get a PTC (Premium Tax Credit) of $99, bringing my premium down to $191.91.
My premium should be $0
- 09/01 - 10/28/2014
NOT INSURED (for the second time in my life) because Covered California
cancelled my Anthem policy when they finally realized I should be on
Medi-Cal, but then they refused to approve me for Medi-Cal.
- 10/29/2014 - 07/2015
Insured? under Medi-Cal
BUT HERE'S THE JOKE. TURNS OUT THEY WERE LYING TO ME ABOUT RECEIVING
MEDI-CAL AND I WAS NOT INSURED UNDER MEDI-CAL. I'VE HAD NO
INSURANCE FOR THE MAJORITY OF THE LAST TWO YEARS BECAUSE OF THEIR INCOMPETENCE.
- 08/2015 - 01/2016
I become employed and get insurance. I can't get Medi-Cal to cancel
their pending application even though I'm no longer eligible, which means
that at any moment they can cancel my paid health insurance because I
still have a Medi-Cal application in. They can't do anything right.
- 01/2016 - 05/2016
I am eligible for Medi-Cal, but my Medi-Cal account is still broken. Furthermore
I have moved back to San Francisco, and they are simply incapable of changing
my address, meaning I have no coverage.
- 05/2016 -
Insured (Anthem Medi-Cal)
Under Medi-Cal in San Francisco. Finally.