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Report: #1217393

Complaint Review: Healthcare Marketplace - Nationwide

  • Submitted:
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  • Reported By: Stacey — Oswego Illinois USA
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  • Healthcare Marketplace Nationwide USA

Healthcare Marketplace Obamacare Marketplace Messed Up My Existing a Insurance Policy, Trouble Getting it Fixed Nationwide

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I signed up for insurance through the Healthcare Marketplace in 2014 and had a horrible experience Getting it set up. I thought it couldn't get any worse...I was wrong. I simply renewed my coverage with a different plan (same insurance company Blue Cross Blue Shield) for 2015. I received a letter asking for income verification. I sent in the documents and received a letter back from the Marketolace confirming my documents were received and nothing further was needed. 

I had no issues in January or February. I paid my March premium which was accepted. Imagine my shock when I went to pickup prescriptions at the pharmacy 3/16 and was told my insurance was terminated. I had not received any notice from the Marketolace or Blue Cross Blue Shield about the policy being terminated. I spent 1 hour on the phone being transferred to different people within the Marketplace. I was told I wasn't a US citizen and hasn't provided proof otherwise. I sent in citizenship proof in 2014 and was not asked for it again in 2015. I finally reached a supervisor who told me they had a problem with many people where the Marketplace wanted citizenship proof but didn't send out requests for the information...they just cancelled the coverage.  That supervisor said she'd reinstate my policy and backdate it to 2/28 when they supposedly cancelled it. She said it would take 72 hours but she'd escalate it, and Sage cleared the citizenship alert. 

72 hours later and still no insurance. I spoke to an Advanced Solutions Specialist who stated it could take 7 days not 72 hours. He also advised that the previous supervisor who said she cleared the citizenship alert actually didn't and doesn't have the authority to do it. The citizeship alert was still in processing mode. After 50 minutes on the phone with him, he was going to escalate the case again. He also advised I needed to send in proof of citizenship again which I did. I find it ridiculous since I already sent it last year, I have a SSN, and the government and Illinois recognize me as a citizen and require me to pay taxes. He confirmed the system showed the policy should be backdated to reinstatement dated of 3/1/15. 

I spoke with Peru from Health & Human Services division of the Marketplace next. She couldn't even find the reinstatement date in the system. Supposedly she was going to escalate it as well. 

I take prescriptions for a major medical condition (kidney failure and consequences of it). I'm out of the medications and  have been unable to fill them due to this Marketplace debacle. It's been 7 days without my medications, and I'm having withdrawal symptons and sick with the side effects from the medical condition now.  The Marketplace is the most poorly run organization I've ever encountered. I did nothing wrong, received a letter from the Marketplace stating no further documentation was needed, yet still had my policy cancelled because of their incompetence. I was never even informed the policy was cancelled. My March premium payment was accepted and not returned to me. I only found out the coverage was cancelled when I tried to fill a prescription at the pharmacy. I receive different answers depending from each Marketolace representative and still don't gave coverage reinstated. Seems like there's no one to report the Marjetplace or get help with them since it's the government. The chances of me ending up in the hospital again because I can't fill my medications is very real.

This report was posted on Ripoff Report on 03/22/2015 08:12 AM and is a permanent record located here: https://www.ripoffreport.com/reports/healthcare-marketplace/nationwide/healthcare-marketplace-obamacare-marketplace-messed-up-my-existing-a-insurance-policy-tr-1217393. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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