Linda Mko

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Verified Reviewer

Do NOT do it!

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I ask 3 questions and was told no body got time for your broke *** questions... WOW and when I ask to speak to a supervisor, he hung up on me, I called back but was treated even worse
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Cons:
  • System is broken
  • Rude supervisors
  • Sham
Reason of review:
Poor customer service

Preferred solution: Let the company propose a solution

Anonymous

Don't make a mistake

I made a mistake on my application I checked the box that said I would not be taking the tax credit. As soon as I received the bill for 1,900.00 I called to correct the mistake, The agent then resubmitted my application and told me it would now be 199.00 a month. HE FAILED TO RETROACTIVATE MY January PAYMENT. NOW I HAVE TO PAY 1,900.00 FOR JANUARY OR THEY WILL TERMINATE MY INSURANCE.
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Yerik Rff

Constant lies and relentless harassment

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I went out of my way to upload my income documents.

This included my tax papers from last year and other documents included on their list of acceptable documents and a letter of explanation to tell them what I do for income.

They have never quit harassing me and have never quit telling their lies. I know now that all their letters through the post that all tell lies should have been kept in a shoebox.

They have sent me almost more letters than a psychotic criminal stalker. Each one of their letters tells more lies.

The first lie: "Your uploads are insufficient."

The next lie: "We can't verify your your income."

The next lie: "You have not provided your income...."

Why do they like to make me sound like a fruit? Is this because they know it keeps me in a constant rage? Is it because they think I might not have the ability to stand up to them or to hire a lawyer?

The first time they lied, I thought we had a miscommunication.

The second and third and fourth times they lied to me, my temper started to flare.

All they are to me is a monster that tells lies and makes threats with no remorse.

I have called their help number on numerous occasions and have been reassured by them that healthcare.gov would quit bothering me.

Even the people working on the phone could see that I had uploaded my documents on numerous occasions. In fact, every single time they lied to me and threatened to take away the cost-sharing I uploaded my documents again and again and again and again. I uploaded a letter of explanation as I was told to do during one phone call. This letter was ignored just as if I never sent it.

Their lies never end.

I sent them legal documents and they swear to God it never happened.

Now finally they have lied one more time and said, "we still can't verify your income."

WHAT? They can't add the numbers on my documents to get the amount I made this year? Maybe they should go back to grade-school and get help with adding and get help with reading!

In comparison, last year I had no problem with them.

When I searched on Google and typed in "What to do when healthcare.gov lies to me" it came back telling me why I should not lie to healthcare.gov, and made me sound like an idiot. I have never lied to them!

I do not try to manipulate my way around by telling lies, but Google does not know this.

I found no information on how to handle their lies. Even when I called them up and started screaming, this did no good and I was even told, "You don't have to yell at me..." Well then what should I do when they keep on telling their lies?

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Pros:
  • Provides health plans in one place
Cons:
  • Constant misrepresentations
  • Poor service
  • No resolution
Reason of review:
Poor customer service

Preferred solution: Stop slandering your clients

1 comment
Tena Hek

They seem to have quit the paper waste this year and seem to have quit the endless phone calls. Maybe this means they actually read this.

Robin F Tmv
map-marker Wilkes Barre, Pennsylvania

Horribly Bad on So Many Levels

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I am an agent. I help people enroll in ACA coverage. The system is so user unfriendly it's ridiculous. They think big letters make for an easy web interface. No, better information would be more useful. I have had representatives accuse me of giving them "attitude" WITH the insured on the phone with me (and they knew the insured was listening)...I assure you, the attitude I was given was tenfold more than any attitude I supposedly gave them. I have had clients receive notices telling them they have to submit documents to correct date mismatch errors. But when you call them to ask what data is not matching, they tell you they don't have that information. All they know is that the information the client provided wasn't good enough. When you press them and say, if its not good enough, what do you want? They can't tell you. Almost all my clients give me authorization to speak on their behalf for an entire year. Yet 90% of the time, when I call back to ask a question on my client's behalf, I'm told that no, I don't have authorization. Without authorization, they won't even tell you if your client's application is complete. Nothing sensitive there, but they won't even tell you that much. I got so angry about this once, I demanded to speak to a supervisor. He actually said this, "If, when you are on the phone and the client is giving the Marketplace agent authorization for you to speak on their behalf, if you get the feeling the agent isn't typing that into the system, then you should ask for a supervisor." WTF??? Yes, that actually happened. A SUPERVISOR told me, essentially, that it is my responsibility to sense, over the phone, that an agent is not doing his or her job, and then seek out a supervisor who can see that the job gets done. I felt like I was hallucinating. Last month, I had a client adjust her income because she forgot about some earnings. That gave her, inadvertently, a special enrollment period that she didn't need. No problem. But today, a Marketplace representative did everything but swear at me because I suggested that antoher client, again ON THE PHONE WITH US, might be eligible for a special enrollment period due to an income change. A few minutes later, she said that the client's income had been changed previously at some point. Then she said that she had a special enrollment period. So I said, what was the basis for THAT special enrollment period? She said, "the system doesn't say." I said to the client (with the representative on the phone) " you didn't get married or have a baby or anything did you?" I wanted the rude agent to know that I knew it was due to the income change, but of course, she wouldn't admit it. They ask you every time you call if you want to do a survey about your experience. Every time I've bothered to say yes, they disconnect me before I can do the survey. EVERY. TIME. They tell clients they are eligible for Medicaid during the application process, then auto-reenroll them into their previous year's plan, putting the onus on the client to notice that they have double coverage or risk having to pay back their subsidy. They answer the phone and state their names so quickly that you can rarely understand them. If you try to give feedback on the ACA site, you can't offer feedback ABOUT the marketplace or their representatives. Oh, no. They are beyond reproach and unreachable. But if you're pissed at the insurance company, they have a form for that. I have news for these bozos: THE MARKETPLACE SYSTEM AND ITS REPRESENTATIVES ARE THE PROBLEM. Are they all bad? Not at all. I have spoken with at least thirty or forty representatives over the years from the ACA. I always do this: get a feel for the helpfulness (or lack thereof) of the person. If you don't like them, hang up and call back. Repeat until you get one that sounds friendly and speaks clearly. You get lucky about 1 in 4 times. President Obama would be appalled at the system that bears his name if he had to deal with these rude, unhelpful *** as often as I do. This system is not at all what he meant it to be, and it reflects terribly on his great kindness and best intentions.
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Reason of review:
Poor customer service

Preferred solution: Fix the glaring flaws in your system, hire DECENT people who know how to speak to customers, TRAIN them properly, including to ENUNCIATE slowly when stating their NAME.

3 comments
Guest

I am victim of Obama Care program. Since this program started, I can't purchase a full health insurance policy from any insurance company.

Obama Care program is not a full health insurance policy. I have to buy supplements, even though I enroll it. I'm healthy. I don't need to see doctors.

But I have to pay penalties through my income tax, if I don't enroll it.

The more I earn, the more penalties I have to pay. Obama Care program is the worst health care program.

Guest
reply icon Replying to comment of Guest-1769168

Meh

Prescript A

Hi, If anyone having a problem related to health. I suggest using prescript assist Because when I suffering from health-related problems it has a lot.

So I recommend to use prescript assist it will sure help you also. Thanks

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margaret g Uvt

Avoid At All Cost

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Unaffordable for the average person, high deductibles, information is difficult to understand (I am a masters degree health care professional & still found this literature difficult to navigate). Honestly don't know how those with limited education and/or without health care background can figure this thing out. Affordable care act provided not such affordable coverage. Very misrepresented & coverage doesn't even come close to an emplyoee plan. My deductibe is going up to $3500 & monthly premium will be $269 for 2020 & that's with a subsidy because I am on disability!! Without the subsidy, monthly premium would be $1021!!!
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Loss:
$259
Pros:
  • Refer to prior comments
Reason of review:
Not as described/ advertised

Preferred solution: Price reduction

Khan F Kjd

Checking the insurance cards in mail

Pharmacy is not giving us medicine our medications on last pills they ask for the insurance card my case has been expedited I want tocheck my status still did not get my insurance cards
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1 comment
Guest

I got mine but yeah I had to call and tney are cheap pieces of paper! And right now I"m appealing BS on my applications!

Lola T Zor
map-marker Lorain, Ohio

Healthscare

Healthcare Gov - Healthscare
Healthcare is destroying my life by failing to diagnosis medical problems, preventing on going unethical violations within the heathcare industry meaning the past and esculating into the present therefore these problems will snownball into the future. Leaving me to advocate and to live in this country where it is not permitted. So when can I go before the camera and show the world that America is suppose to have all these laws to protect and enforce, yet these same laws are being broken each and everyday and leaving people like me injured both mentally and physically? Need to go before the camera so you will see for yourself the personal injury I have to live with because those who is responsible for my care caused my injuries but nothing is being done to enforce such injuries but those who are doing the harm is being praised and congratulated for their job well done. At the end of the mistreatment they get monies from Medicaid and Medicare, I get life without parol reminded everyday how on earth did I land in this pile of *** This is me now! My left arm is three times bigger than my right from constant trauma and nobody bu me care however I have a care manager who I haven't seen since August 15, 2019 and is suppose to manage my care basically an advocate. I am serious and believe me America needs to know who are the real domestic terriorist.
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Reason of review:
Poor customer service

Preferred solution: Camera footage

Shannon S Iom

You will never get a correct answer from the Health Insurance Marketplace. This is the 4th time this year they have messed up my stuff. Making a formal complaint against them with Dept of Health

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Every time you speak to someone at the Health Insurance Marketplace you get a different answer, misinformation, and excuses that cost the consumer extra money, time and stress. Even if you speak with a supervisor. The supervisor was rude and did nothing to assist me. Considering that this is the only way for people who cannot afford a regular insurance policy, I am angry and have lost faith in our system. I will be making a formal complaint with the Dept of Health. Thank goodness I keep excellent records including date, time and who I spoke with along with what they say.
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Cons:
  • Rude supervisors
  • Uneducated employees who dont know what they are doing
  • Poor customer service that had no answers
Reason of review:
Not as described/ advertised

Preferred solution: Get your program together and train your people properly. You are dealing with peoples lives and if you don't serve them correctly this could cause dire consequences.

Anonymous

The term fubar comes to mind

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Second year in a row that this government website doesn't WORK properly!! I can fight just trying to upload my information and when it is FINALLY uploaded, I can't view the different policy options, but Marketplace employees can view the plans and want me to make choices using their verbal input input??? Yeah, sort of like buying a car sight unseen and hoping my family can fit in it to drive up the street? Customer service is limited to people reading from cue cards, that don't seem to have any answers to give you(even so called "supervisors")! This is exactly what we get for letting government involve themselves with making medical insurance decisions for us! As anything else, legislators dream something up and enact it without knowing how to execute it properly and never fix it once it starts! Good luck with getting any help from them?
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Cons:
  • Total senior management marketplace intentional failure
Reason of review:
Bad quality
1 comment
Guest

I have called 20 times and still my renewal hasnt gone through they also are asking for documents to prove who i am when i have been on it four years and they say my social security card not good enough proof!!!!! Trump is trying to destroy it I will be calling discrimination as I am disabled and this is crazy.

Anonymous
map-marker Dallas, Georgia

Cannot get into plan selection

I’ve been trying for over 2 hours. Sometimes it says refresh and I do that and nothing changes. Other times it just logs me out so I have to log in constantly. Spinning green circle that says “please wait” is infuriating!
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Daryl K Eeo

*** THESE IDIOTS

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Healthcare Gov - *** THESE IDIOTS
Asssholes website is down last 2 weeks of April and first 2 weeks or so of May, then the verification system is down, So my insurance got terminated in MAy, I go to sing up, can't sign up because of the damn site being down. Finally get signed up before the end of the month, and I can't get insurance till *** JULY because " I didn't submit my application before the 15ht of may' I just finally am getting back on my feet from bankruptcy after solving a lot of health problems while on Medicaide, and you're gonna leave me FUNKING EXPOSED TO TO UNREASONABLE DEBT BECAUSE YOU *** UP! MOTHER *** That's your problematic not mine! I DEMAND BETTER of my Federal Government this ***
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Pros:
  • Having the substaty - we could afford insurance for once
Cons:
  • No resolution
Reason of review:
Poor customer service

Preferred solution: FULL UCKING COVERAGE FOR JUNE IF ANYHTING HAPPENS MOTHER ***

Anonymous

Whaaaaat?

I have had insurance with the healthcare.gov market place for a few years now. I really didn't have any complaints until this year.

My plan went up over 300 dollars, okay so change plans right. After having this insurance for three years they want me to prove my whole families citizenship. We were all born in the grand state of Kentucky and that, as far as we dumb hillbillies know is in the great United States of America. How does an american citizens provide citizenship papers you ask?

Most people would think a birth certificate would be sufficient but no, you also need a photo I.D. Oh, I just have one of those lying around for my 12 and 13 year old sons. Don't worry they said you can provide us with a copy of their passport.

They have never even traveled more than one state away from Kentucky to the far far south of Tennessee. I love the government and their beautiful genius minds!

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Cons:
  • Cons that is sort of what they feel like to me
  • Cons
Tom P Xph

Coverage Terminated Incorrectly

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Healthcare Gov - Coverage Terminated Incorrectly
On January 18, 2019 my daughter called the marketplace to cancel her coverage in Pa. after moving to Florida and enrolling in Florida Blue. The CSR cancelled the Florida coverage. Today we spoke to the 23rd, 24th & 25th person at the Marketplace about this issue. My daughter and I were told that there ahve been 9 escalations regarding this case. Yes "NINE" We were told that the marketplace was going to send a feed to Florida Blue to reinstate coverage but that this could take up to 3 weeks. She received a notice on Monday 5/13/19 on the Florida Blue website with the a portion of the picture listed below. Here we are on 5/22/19 and her coverage has not been reinstated. It took 1 mistake to terminate the coverage but 25 phone calls to various CSA's and supervisors, 9 escalations, 3 appeals and a three way conversation between the marketplace and Florida Blue to be told that it could take up to 3 more weeks. Can't wait for open enrollment. That should be fun?
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Loss:
$500
Pros:
  • Fact that most people were nice and seemed to want to help
Cons:
  • Employees
  • No one will correct the error
  • No authority or supervisors to handle serious issues
Reason of review:
Poor customer service

Preferred solution: Reinstate Coverage Immediately

1 comment
Merv S Hxd

Typical goverment incompetence!! Where do they find these morons.I could write for days about the cluster F@***k....

Anonymous

Ridiculous restriction!

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I have a Marketplace plan with my daughter for 2019. On November 1st I will go on Medicare but want daughter to stay on Marketplace plan until the end of the year. I called Marketplace to let them know and arrange for this, but was told (by two reps) that I have to call back on October 31st, not a day sooner or a day later. This is because I have a dependent on the current plan, not just myself. So now I have to make sure to remember to call them back on October 31st, and hope I can get through! What an inconvenience, and neither person could give me a decent answer as to why this is the policy. Aggravating!!
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2 comments
Guest

Thank you for sharing your situation. What a nightmare, hope it gets straightened out soon.

I called my insurance company to double check on whether I really have to wait until Oct. 31st to call the marketplace, and even they said yes, so I will make sure to call on that date.

I'm not making any more payments to the insurance company until I'm certain that the marketplace handles it correctly, not real hopeful though. It's shameful and a bit scary that the marketplace holds so much power but is so inept!!

Guest

Beware. We have been fighting them since Feb 2018!

Husband went on Medicare. They told us the same thing. We called two weeks before “life change” which is what is recommended and we’re told to call back on Jan 31. Meanwhile rep went ahead and put order in unbeknownst to us.

I go down to pharmacy in Jan and find out my insurance had been canceled! We got it reinstated. We have been back and forth all last year. My insurance company then had the wrong premium.

We kept getting notices threading to cancel They said you have to go through the market place to straighten out. Market place said you have to go to insurance company. Back and forth.

So then to top it off our 1095A is incorrect. Now the IRS wants thousand of dollars back!

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Anonymous
map-marker Seffner, Florida

Rep change

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Rep on phone change my whole plan without me asking to a higher co pay poof service not even afgordable
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