Applying to get health care through the Massachusetts health connector website is a painful process, Tom Dunlop says.
Jaxon White

Trying to Get Health Insurance Is Hard on Your Mental Health

Dear Governor Baker: throw away the Massachusetts Health Connector website and start all over again.

Dear Governor Baker: Good morning. I hope you like the look of your new office, and thanks for pulling this letter out of the stack on your first day.

The only thing you need to know about me is that I’m a Democrat, the gooey sort who agrees the Redskins really should change their name. But I promise here at the very start of your first term that I’ll vote for your re-election — indeed, I’ll send you money and appear in a Lefties for Baker ad — if you’ll do just one thing for me, and by extension the rest of the commonwealth:

Throw away the Massachusetts Health Connector website and start all over again.

I realized I was up against it when I first tried to apply for health insurance six weeks ago and the website informed me that I must first download a new internet browser because the health connector page did not support Safari, the default browser of Apple — a biggish company that builds computers, tablets and phones whose main virtues are that they connect to the internet and work with every other page I’ve ever visited. Using, I point out again, Safari.

But I’m pleased to report that, afterwards, none of the problems that hobbled me as I applied for insurance through the health connector had anything to do with the browser. (Except one, see below.) They had to do with everything else about the health connector. For example, though I’ve had a Massachusetts driver’s license since June, been registered to vote since July and paid quarterly taxes twice in the last six months, the state evidently did not tell the federal government any of this, and so the federal government told the health connector not to believe a word of it.

When I mailed in the requisite proof of residency, the folks at the hard-copy end of the health connector website readily agreed that the Tom who sent in this paperwork by mail must indeed be a Massachusetts resident. They mailed me back a letter that said so. But I guess they declined to share the news with the folks at the digital end of the health connector website, because to this day, a month and a half later, the website says it is still awaiting conclusive evidence that mail-sending Tom and website-applying Tom are one and the same Tom.

Then there was the matter of my estimated income for 2015. I estimated it. But the health connector said my estimate was wrong because it was different from the income I actually reported on my 2013 federal taxes. So I entered the figures from my 2013 federal taxes. To my surprise, the health connector said these figures were wrong too, because, well, the figures from my 2013 federal taxes somehow also differed from my 2013 federal taxes. Hoping to finish before I made things worse by filing my 2014 federal taxes, which would be more different still, I pressed on.

I might call it a triumph that the health connector let me sign up for a plan anyway. I say “might,” because the health connector then refused to let me pay for it — which kept me from activating the plan I signed up for. On the third attempt to file an online payment from my checking account, the page published a notice saying that “some of you” may have received a notice saying that the page would not let us pay using the page.

I suspect that “some of you” might actually have meant “most of you,” and more probably “all of you,” because the notice was placed in a bright blue box, appeared suddenly on the last day a payment was allowed for coverage starting Jan. 1 and took up half the page from which the payment was supposed to be sent. I also believe that it really meant “all of you” because on the last day to file, the online billing system crashed.

I know this because the woman I spoke with on the phone said she hoped the system might be up and running again by noon that day, and she suggested I try again after that, when the remaining time would be less and the situation that much more desperate and hopeless. Of course, “desperate and hopeless” were my words, not hers, but when I tried them out on her, she did not disagree.

This brings me to the subject of tech support. I am delighted to report that online tech support worked brilliantly in comparison to the rest of the features on the health connector website, chiefly because it does not exist. Which meant using telephone support, which meant an hour-long wait every time I tried it, which meant listening to a tape loop urging me every five seconds to try a walk-in center instead, which meant looking up the nearest one by typing in my zip code on the website, which meant I couldn’t because — wait for it, and I use the phrase ironically — to access that part of the health connector website, you can’t use Safari. (See above.)

Don’t get me wrong, Governor. I’m a huge supporter of Romneycare and Obamacare, and I’ll be your heartiest lefty supporter in 2018 if Bakercare figures out how to set up a website that actually allows us to land the health insurance we want to apply for. Then lets us pay for it. And receive it. Using, you know, the health connector.

Desperately and hopelessly,

Tom Dunlop
Edgartown

Editor’s Note: During a deadline extension, the health connector suddenly and mysteriously granted the writer health insurance. He has no idea how or why.

Comments

Submitted by Anonymous (not verified) on Thu, 01/01/2015 - 12:10

Permalink

Pamela

I applied the day the website opened November 15th. Sent in my proofs November 19th by fax. Repeatedly have called and was told they were being processed. Asked to resubmit on December 10th- done Told every couple days (after being on hold 30 minutes to 70 minutes to speak with someone) that they are still being processed.

Asked to talk to supervisor- doesn't work that way they have to call you- still waiting for that call. December 22nd the day before cut off for Jan 1 coverage still being processed and that they have no protocol set up for those who applied within plenty of time and their end holding it up.

Called back December 23rd last day for Jan 1 coverage told I still can't choose a plan "accelerated to account specialist I must wait for call back within 24-48 hours". Still waiting for that call.

Called December 29th told I will get a call and the hold up is because we are a "mixed family" my husband and children are Wampanoag I am not. I am furious with the whole process and still no closer to insurance. Thanks for writing this letter.

Submitted by Anonymous (not verified) on Fri, 01/02/2015 - 07:02

Permalink

Heidi West Tisbury

Great letter! Every time I have to deal with MA Health Connector, I want to write to the Governor about how pathetic the 'Connector' is. When you call, it's a 45 minute wait, if you are using the website, you hold your breath as you wait for the site to accept your data, if it goes through--you're still not really convinced. Then, like you mention in your letter, you have to prove you are a resident of the state, or some such. OK, no problem, here's a copy of my last month's electric bill. But, why would I be on your website trying to pay good money every month for health insurance if I didn't live in the State? So, here I sit, having sent in my payment for January 2015 coverage back on December 1, 2014--the check cleared the bank, but I still haven't heard anything from the insurance carrier I chose, or the Health Connector. I don't know if a human has seen my faxed (and mailed) proof of residency. Even though I haven't moved, no information has changed for me, and I am still using the same insurance carrier as the year before, do I have to go through this punitive exercise annually? The challenges presented by the MA Health Connector of reapplying seem endless--you hope their technology works--or the person on the other end of the phone isn't making stuff up because they aren't trained well and really don't know the correct answer to your question? (Yes, that happened two times to me.) One thing for sure, if you transcribe your membership # incorrectly on your check, it's like magic--you get a cancellation notice--a real letter in the MAIL from them. Unbelievable. I am paying big bucks every month for this insurance--it's a lot of money for me, and I'm trying to obey the law by having this insurance. I shouldn't have to 'wonder' if I'm insured--I should know, and feel confident about my coverage. I don't. Do you? Why is the Health Connector such a mess? I don't want to go through re-enrollment again next year, do I have to?

Submitted by Anonymous (not verified) on Fri, 01/02/2015 - 11:13

Permalink

Peter Robb Holliston and Oak Bluffs

The Health Connector is a high-priced disaster. Just another example of why big government is bad for the country. Doctors are leaving the profession every day and we are stuck with rising rates and higher deductables. We already lost two doctors last year. God help us. I am praying that the new Republican congress and sort out this mess; either kill Obamacare or rework it so that it makes sense.

Submitted by Anonymous (not verified) on Fri, 01/02/2015 - 14:11

Permalink

Sarah Kuh Oak Bluffs

At the Vineyard Health Care Access Program, we are trained and certified Navigators for the Health Connector. We aware of the types of problems that the author and others are experiencing. Our job is to help Islanders to get through the application, enrollment and payment process, including when there are complications. Please feel free to contact us directly if you are having difficulty. We are here to help! (508) 696-0020 or [email protected] It might be helpful for people who are not seeking help paying for health insurance to know that they do not have to go through the Health Connector to purchase insurance -- there are other brokers in Massachusetts that can sell you the same plans, and furthermore, you can purchase some plans directly from their websites.

Tom Dunlop Edgartown

Oh, my word!

If I'd only known! If only the Health Connector website had told me! (If only the Health Connector website had been CAPABLE of telling me!)

I continue to get mail and notices that have no bearing on my situation today. I'll be on the line to you on Monday. Thanks for writing and letting us all know.

Submitted by Anonymous (not verified) on Fri, 01/02/2015 - 21:49

Permalink

Pamela

Sarah,
I did email your program on 12/28 begging for help. Hoping to hear back soon. Explained the whole mess. Perhaps I will call as well on Monday.

Thank you.

Submitted by Anonymous (not verified) on Sat, 01/03/2015 - 17:53

Permalink

concerned tisbury

Well done Sarah. I know u are overwhelmed right now but yet u are still trying to help as many as possible. Kodos to you and your staff!

Submitted by Anonymous (not verified) on Sun, 01/04/2015 - 18:07

Permalink

David Vineyard Haven

The Health Connector worked fairly well before Obamacare came on the scene. How anyone can expect large government bureaucracies to perform efficiently especially when documented proof of residency is required is beyond me. Those who support big government must enjoy being confused, abused, neglected and deflected. Sarah, Mary and their crew are truly saviors in this area.

Add new comment

Plain text

  • No HTML tags allowed.
  • Lines and paragraphs break automatically.
  • Web page addresses and email addresses turn into links automatically.