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Author: 54bc3e9e88

January 09, 2024

Edit 9 of 26

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OPEN ENROLLMENT PERIOD for 2023 and 2024:
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2023
1. https://files.catbox.moe/3typr3.png
2. https://www.cms.gov/newsroom/fact-sheets/marketplace-2023-open-enrollment-period-report-final-national-snapshot
3. https://files.catbox.moe/arew5f.png
4. https://www.verywellhealth.com/aca-open-enrollment-2023-6825487
2024
5. https://files.catbox.moe/rkvlzo.png
6. https://www.cms.gov/newsroom/fact-sheets/marketplace-plan-year-2024-open-enrollment-fact-sheet

PLANS:
A person qualifies for a DOLLAR AMOUNT under the ACA.
They do not qualify for an insurance plan. Though the following plans have the appearance of different attributes, it is NOT the plan that matters, it is the dollar amount covering the plan that matters. Rather, both plans are 'engineered' to align with the dollar amount approved in the EXACT SAME way. One just charges the customer for no extra benefit and the other one doesn't.
The company sets you up to believe you have a ZERO PRICE PREMIUM PLAN then switches it to a PRICED PREMIUM PLAN. All the while telling you before hand that they will auto-renew you, while having you believe you are ALREADY enrolled for 2024 because you joined during the 2024 Enrollment Drive.....or so you were led to believe. The truth is, they somehow got me enrolled BEFORE the official 2024 Enrollment Drive, duped me, then planted a trail of mixed-message communications for plausible deniability. Then you call, and they tell you to pay and lie about law changes, then tell you to cancel. I refused to cancel and I said fix it. To this day I still have no idea for sure what plan I'm in.
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Standard Silver VALUE (plan) - Enrolled page
Provider Network: Value
Network: HMO
Premium: $5.90/month
7. https://files.catbox.moe/0w0wwg.png

Standard Silver (plan) - Actual page???
Provider Network (Metal): Bronze | Silver | Gold
Network: EPO
Premium: $0/month
8. https://files.catbox.moe/nu2osx.png

A DISTINCTION WITHOUT A DIFFERENCE:
The Customer is paying $5.90/month for the exact same plan but with RESTRICTIONS. All Covered Services and Out-of-Pocket Expenses are the same.
My argument is that the Standard Silver VALUE (plan) should not even exist. But customers are being pushed into it without knowing it, just like I was.
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Plans Shopping Page:
9. https://files.catbox.moe/jhwxyu.png
Covered Services - Standard Silver - $0/month
10. https://files.catbox.moe/my41l4.png
Covered Services - Standard Silver VALUE - $5.90/month
11. https://files.catbox.moe/k0fld1.png
No Restrictions - Standard Silver - $0/month
12. https://files.catbox.moe/e44lsd.png
Restrictions - Standard Silver VALUE - $5.90/month
13. https://files.catbox.moe/tqlh0o.png

EMAILS:
14. https://files.catbox.moe/0q764e.jpg - Oct. 26, 2023
15. https://files.catbox.moe/bjyg2a.png - Oct. 26, 2023
16. https://files.catbox.moe/qefvnk.png - Oct. 26, 2023
17. https://files.catbox.moe/n84fsc.png - Oct, 26, 2023
18. https://files.catbox.moe/747j4j.png - Nov. 1, 2023
https://files.catbox.moe/orjmr2.jpg -Nov. 1, 2023
I already have my enrollment card which I was led to believe WAS for the 2024 Enrollment Drive. But no....it was a sneaky enrollment in which I was led to believe my plan was a ZERO PREMIUM PLAN. This set my psychology up to trust that I was all set to go. Wrong. Also note, it says I'm in the Standard Silver VALUE (plan) with ZERO PREMIUM to pay.
19. https://files.catbox.moe/xochl5.png - Nov. 7, 2023
https://files.catbox.moe/0swy4f.jpg - Nov. 7, 2023
The two above links say I'm enrolled and prove that I was paying zero dollars for my plan.
20. https://files.catbox.moe/hic5cb.png - Nov. 13, 2023
21. https://files.catbox.moe/y76lfn.png - Nov. 15, 2023
22. https://files.catbox.moe/cfi5n5.png
23. https://files.catbox.moe/b073vo.png
24. https://files.catbox.moe/9ysk54.png
25. https://files.catbox.moe/evtu2h.png
26. https://files.catbox.moe/qzba78.png
27. https://files.catbox.moe/ci4qhq.png - Dec. 4, 2023
The first time it is clarified that a warning is given about a higher premium but at the same time it is saying I will be enrolled in my current plan which I believe to have a ZERO premium.
28. https://files.catbox.moe/a040nv.png - Dec. 6, 2023
https://files.catbox.moe/ymb572.jpg - Dec. 6, 2023
This bill is dated Dec. 6, but I don't receive it until Dec. 26 because I made a note on the envelope. It arrives late but regardless It WAS ALREADY IN THE MAIL BEFORE the first email (Dec. 4) stating anything about an increase in PLAN PREMIUMS. Please tell me this this is not a contrived 'coincidence'. I'm warned of a price increase a day and a half before I get the price increase that was already in the mail. Are they even trying? Remember, I still have until DECEMBER 15th to enroll for 2024 but they have already AUTO-RENEWED ME and bumped me up to an out-of-pocket plan BEFORE even noticing me that this was about to happen. THIS IS A BAIT AND SWITCH.....PERIOD.
https://files.catbox.moe/m8jn75.jpg - Dec. 15, 2023 - FRONT SIDE
https://files.catbox.moe/913sz3.jpg - Dec. 15, 20233 - BACK SIDE
As can be seen from this letter (Dec. 15) dated AFTER the date for the December bill (Dec. 6), AMBETTER essentially fabricates a myth about higher premium rates and encourages me to re-enroll into the Standard Silver VALUE (plan) which they have already auto-renewed me and billed me for as stated prior (Dec. 6). It is as if they purposely locked me into a bait and switch pushing me past the deadline
(Dec. 15) thus making it impossible to use their online site to correct their malfeasance. A malfeasance I didn't even know was occurring because why would I be re-enrolling for the 2024 Enrollment Drive when that is exactly what I thought I was already enrolled in. This isn't a "comedy of errors". This is planned. And I know it was planned because of their defiance over the phone. Making me wait. Making me speak to somebody higher, then telling me "oh the law changed". Yeah it changed. It issued MORE money for the ACA do to INFLATION. But from what I can tell, that is all that changed. All the qualification questions and answers seemed upon examination to be the exact same as what transpired over the phone when I was enrolled by TrueCoverage on behalf of AMBETTER on Oct. 26, 2023 for what I led to believe WAS for the 2024 Enrollment Drive.
Further, looking at the BACK SIDE of the letter (an maybe I'm wrong here) but it seems to clearly state that my premium "change" (rather stayed the same) to ZERO. However the Maximum Out-Of-Pocket apparently DID CHANGE (Implying this is an actual list of active and current changes) from $1,700 on my Membership Card to $1,800
(See #18 Nov. 1).
So what am I supposed to believe? One thing changes but one thing doesn't but I get billed anyway?
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35. https://files.catbox.moe/k5cl5u.png - Dec. 12, 2023
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43. https://files.catbox.moe/cirrlw.png - Jan. 3, 2024