I spoke to Alice who told me of the existence of “navigators”, live people who are available throughout the country to talk or meet with subscribers. I found one in my area (Suffolk county), who walked me through the various options and gave me some real advice and suggestions. So I signed up for a multi-state PPO with only a $1,500 deductible for $70 a month after my credits! The plan pays at least 50% of medications and doctors visits before the deductible is met. Of course, without knowing about these navigators I would still be floundering – I was originally looking at a $6,000 deductible plan for $50 per month. So for an additional $20, I got a much lower deductible and pretty much the same benefits and for a 26 year old that is perfect!
We need to get the word out about navigators. They really can make all the difference to a successful sign-up or not.