OBAMACARE-SHOPPING-HNS/736
OBAMACARE-SHOPPING-HNS
OBAMACARE-SHOPPING-HNS
CONSUMER SHOPPING SITES HELP YOU ENROLL IN
OBAMACARE@<
(For use by New York Times News Service
clients.)@<
By TONY HAUSNER@
c.2012 Hearst Newspapers@
We all know about the considerable problems of
Healthcare.gov, the federal health insurance exchange serving the Affordable
Care Act — Obamacare. Because 36 states have refused to create their own
exchanges, Healthcare.gov is the main portal for millions of uninsured (or
underinsured) seeking to shop online for affordable health coverage.
After the botched rollout in October, the
White House brought in scores of tech experts to make it work as intended. To a
large extent, they succeeded although many users still find they must wait
until the system is less inundated in order to enroll.
But no matter where or how consumers sign up,
it is essential they make careful decisions as to which plans are the best for
them and their families. If you're shopping for a plan, it's best to review the
available choices according to premium prices, government subsidies, quality
ratings and doctor participation.
In the past few months, a number of Web sites
have been developed by those outside government that permit consumers to do
side-by-side comparisons before logging on to the federal or state exchanges.
The most well-known sites include Kaiser Family Foundation, Valuepenguin, and Sherpa.
Another such site has been set up by Steve
Morse, a San Francisco computer professional with a doctorate in electrical
engineering.
He has lived a dual life. In his early years
his claim to fame was that he was the architect of Intel's 8086 processor which
was the predecessor to the Pentium processor that is used in most PCs today.
More recently he has been applying his computer skills to genealogy and
developed easy-to-use interfaces to many otherwise cumbersome genealogy
websites. For this he has received numerous awards, including a prestigious
Lifetime Achievement award from a major genealogical society.
Morse has no interest in providing information
on healthcare per se. But when he kept hearing about all the problems with
viewing plans on healthcare.gov, he realized that this was no
different than the genealogy websites for which he had been developing better
interfaces. To make the point, he decided to spend a day to come up with a
better interface for viewing the healthcare plans.
On Morse's site, stevemorse.org/obamacare/obamacare.html, you can
search for health plans offered in your state. All the sites provide
information on premiums and government subsidies. And several of them present
the results in table form so that consumers can compare the different plans
side by side. By contrast, the federal and most state exchanges give you one
plan at a time to look at.
Morse's site does what the other
non-governmental sites do and additionally gives you quality ratings from
Consumer Reports and information on doctor participation. For many consumers,
it is important to know which doctors participate in a plan especially if they
want to keep the doctors they have been using.
So, notwithstanding the Website problems past
and present, the good news for consumers is there are options that help you
make informed decisions for you and your family before you ever sign on to
Healthcare.gov or your state exchange.
What these sites do not do is actually enroll
you in a health insurance plan. Only the Federal- or state-based sites do that.
Soon the insurance companies themselves may also serve that function.
Zeke Emanuel, an architect of the Affordable
Care Act and brother of Chicago mayor and former White House chief-of-staff
Rahm Emanuel, may have said it best in POLITICO: "When individuals and
families can go online, browse through their coverage options and see the new
benefits for which they are eligible, they will be more likely to give
Obamacare a chance — even if the back end of the website doesn't let them
enroll immediately."
Don't let the Obamacare doomsayers out to
score political points make up your mind for you. If you and your family have
been without insurance or have inadequate insurance, the tools are out there to
help you get an affordable plan that gives you solid coverage.
--@<
Tony Hausner retired as a Senior Analyst for
the U.S. Centers for Medicare and Medicaid Services (CMS), which is overseeing
implementation of the Affordable Care Act.
Updated with links to facebook, etc. and cover note
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