I just spent two hours working on complete horseshit.

[Honeycombe8]

16. Is this for a business? Or you have multiple ins. plans just for yourself?

Why do you have multiple plans? What is a "flex plan"?

When you do find errors, you mean the ins. co. actually corrects them? I've never had luck getting an ins. co. to "correct" anything. A low level clerk just says, "I don't know why that's so." That's it. When you have an individual policy, you have no power whatsoever. Obamacare acting like individuals are groups of insureds makes no sense....it works to the detriment of the public. You pay for all sorts of stuff you don't need or want, because it's like a "group" policy, but the price isn't a "group" price, and the insured has no power like a group does.

The latest was one time when I had a supposedly free preventive exam (to get the bloodwork done). The ins. co. charged me about $60 for it. I called to ask why, because the ACA dictates that preventives are free. She said she didn't know. She said there must be a code in the records. I ask "what code?" She said she doesn't know. I call dr's office and ask. They tell me there is no code that's different from the way they normally code preventive exams. So because I was an individual, with an individual policy, without any leverage like a group, and no ability to change ins. cos. (that was the only co. that sold ACA individual policies in my area), I simply had to pay whatever they told me. Unless I wanted to sue in a small claims court somewhere.

I'm lucky to have had excellent health all my life, so haven't had to track ins. co. payments or anything. Now I'm on Medicare, which will hopefully be better, since I'll be getting medical conditions as I age. Unless I just drop dead one day.