I enter detailed information about everyone I want covered in order to get plan cost information, and when I click to "apply" for the plan … I'm required to enter it all over again.
Then, I get a page that informs me I haven't applied until I've made a medical application.
Guess what? I get to re-enter all the information, yet again.
I click to add a spouse, and the webform demands I answer whether this spouse is married. I mean, really.
Then I get this:
The Affordable Care Act (ACA) requires us to be reasonably assured that you and each member on this policy have coverage for pediatric dental services that are essential health benefits. The Affordable Care Act requires these benefits even if there is no one on the policy who is eligible for these services.The government's own web site makes crystal clear that this is a lie: there's no obligation to purchase dental coverage, only an obligation to make it available – and no tax imposed on persons without dental coverage. After doing some math based on expected dental costs, I conclude I'm better off putting premium dollars in a health savings account. But the "medical application" requires one to claim to have dental coverage, or purchase it for over $40/month/person. Just crazy. The law doesn't require the coverage, but the idiots who coded the site do.
This just goes on and on.
Beam me up, Scotty. There's little sign of intelligent life in the insurance industry.