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Daryn Slover | Sun Journal

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Sharon Leahy-Lind of Portland purchased a “multi-state” bloom allowance plan that she was told would accommodate advantage alfresco of Maine. Leahy-Lind would afterwards acquisition out that the anaplasty she bare in Boston would not be covered.

PORTLAND, Maine — Sharon Leahy-Lind was assertive her new bloom allowance plan would pay for doctors alfresco Maine.

After all, she accurately asked about that back she declared the federal barter to buy new bloom insurance. Her babe went to academy in Massachusetts and she bare a plan that would awning her there. The barter adumbrative went over her options, acceptable her that a $685-a-month Anthem Blue Cross Blue Shield plan did absolutely what she bare it to do.

And back she got her new allowance card, it acutely said “multi-state” beyond the top. Obviously it covered her in assorted states.

Except that it didn’t.

“Multi-state” is a federal appellation that agency the plan is awash in several states, not that advantage extends beyond accompaniment lines.

Weeks afterwards she bought her new insurance, Leahy-Lind — the above Maine Centermost for Disease Control analysis administrator who fabricated annual for publicizing affidavit aition at the CDC — begin herself affronted two new battles: a pancreatic bump that threatened her activity and her allowance company, which would pay for affliction in Maine but not a specialist surgeon in Boston.

She was shocked, again angry.

“I accept a master’s amount and assorted postgraduate courses aural accessible bloom and actuality I got snookered,” Leahy-Lind said.

The Affordable Affliction Act now requires best Americans to accept bloom insurance. In Maine, added bodies are affairs it on their own, afterwards a animal assets administration to explain allowances or point out abeyant pitfalls, like the multi-state allowance that isn’t acceptable in assorted states.

Plans are misunderstood. Assumptions about-face out to be wrong. Questions go unasked.

And alike back aggregate is done right, problems sometimes arise.

Health allowance is like any added above purchase, experts say — client beware.

“You aloof cannot ask abundant questions,” Maine Bureau of Allowance Superintendent Eric Cioppa said.

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In Maine, best bodies accept bloom allowance through their job or through the government as allotment of Medicaid or Medicare. Plan choices tend to be limited, which additionally banned the accident of allotment wrong. And, at atomic in the case of employer-sponsored bloom insurance, there’s generally a adjacent being or a administration amenable for arcade for a plan, ambidextrous with questions and administration problems.

But added bodies are affairs their own bloom insurance. Amid 2013 and 2014, the cardinal of Mainers covered by an alone allowance plan doubled, from about 32,000 to about 64,000.

Those Mainers accept a boundless arrangement of affairs and options to chose from, both on and off the federal barter (also accepted as an exchange). And although brokers, agents, allowance representatives, navigators, certified assistants, federal barter assembly and others can help, consumers are the ones ultimately amenable for assessing their needs, appraisal a plan’s fit, allurement the appropriate questions and advantageous the bill. The pitfalls are many.

“And this is an anniversary accident now. I mean, every year they’ve got to do this,” Cioppa said. “Subsidies are based on one plan, which you may or may not have. Networks change. You absolutely can’t be acquiescent anymore.”

Most alone affairs for 2014 expire Dec. 31, alike if they were bought partway through the year. Accessible acceptance runs from Nov. 15 to Feb. 15. That is the alone time best consumers will be able to buy insurance, both on and off the federal marketplace, unless they lose their job, get married, accept a babyish or acquaintance addition life-changing event.

Leahy-Lind, 56, larboard her job at the CDC about a year ago. She had declared that her administration there ordered her to atom accessible abstracts and again addled and discriminated adjoin her back she refused.

She has back filed a whistle-blower accusation in federal court.

After abrogation the CDC, Leahy-Lind went to assignment in absolute estate. She’d done the job afore and knew it could pay the bills, alike if it didn’t accommodate bloom insurance. She kept her CDC bloom allowance plan through the decades-old Consolidated Omnibus Budget Reconciliation Act, or COBRA. She had to pay the premiums — $1,250 a ages — but she and her youngest babe were covered.

Then, this summer, Leahy-Lind got a notice. Although accessible acceptance had closed, she could still assurance up for alone allowance because she was application COBRA. She ability be able to save money by affairs her own allowance through the marketplace.

As continued as the allowance was appropriate and her babe would be covered at academy in Massachusetts, she was blessed to pay less. She declared the toll-free number.

“A federal adumbrative absolved me through the accomplished process. . . . they said this is the aforementioned allowance you accept now, alone you accept this multi-state plan and it’s a lot beneath money,” Leahy-Lind said.

The representative, she said, was clear: Her new allowance would pay for doctors in added states. In fact, she said, the plan amount a little added for that multi-state option.

Still, Leahy-Lind would be advantageous aloof $685 a month, about bisected what she was beneath COBRA. Her deductibles and added abroad costs were college than her old plan, so it fabricated faculty that her annual premiums would be beneath than they were beneath COBRA.

She active up.

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“I anticipation I fabricated a absolutely acceptable decision,” she said.

That activity lasted aloof a few weeks. Her new allowance plan started July 1. At the end of the month, she noticed a agglomeration on her neck. A acquaintance who’d apparent Leahy-Lind aloof the anniversary afore abashed at her abrupt weight loss. She got so aback and berserk ill one day that she couldn’t accomplish it out of the car afore she threw up.

Doctors anon apparent a bump on her pancreas. It has so far activated benign, but it’s still life-threatening, both because of its area and its type.

“There are three levels of abeyant blight and mine’s at the accomplished level,” she said. “So [the doctor] said we could leave it there and aural a year either it’ll block my aqueduct and I would die from complications or it would turn, from their perspective, into malignant, invasive pancreatic cancer.”

Leahy-Lind, who has formed in accessible bloom for about 20 years, started researching statistics and combing through medical journals. She begin a doctor in Boston who specialized in her action and she fabricated an emergency arrangement with him. He and others agreed she bare surgery, now. And the operation would not be easy.

Because of the tumor’s area at the arch of her pancreas, it’s alarmingly aing to advancing added organs. The anaplasty — declared a Whipple action — would accept to booty 40 percent of her pancreas, a allocation of her baby civil and a area of her stomach. Recovery takes several weeks beneath the best of circumstances, several months back there are complications. If any blight beef are begin afterward, she’ll additionally accept to abide chemotherapy and radiation.

Massachusetts General Hospital offered a nationally accustomed pancreatic centermost and a surgeon who specialized in Whipple anaplasty and pancreatic removal. She begin statistics that showed her allowance of adaptation were far bigger with a doctor accomplished in the circuitous operation than with addition who didn’t do it as often.

Leahy-Lind accepted her allowance aggregation would accept the anaplasty afterwards a problem. She had, afterwards all, bought the multi-state plan.

But “multi-state” has annihilation to do with coverage. It’s a federal appellation for affairs accustomed to be awash in several states.

“To say it could abash consumers, I think, is an understatement,” Cioppa said. “Because the ‘multi-state’ plan we accept in Maine is Anthem’s attenuated arrangement plan and it does not accommodate advantage out of state.”

As a attenuated network, Anthem’s plan doesn’t alike awning all hospitals aural Maine, except in an emergency.

Experts say Anthem didn’t do annihilation amiss by alms the plan and it’s not amenable for calling it “multi-state.” But neither did Leahy-Lind do annihilation amiss back she believed the barter representative, they say. The adumbrative was mistaken and allegedly gave her the amiss information.

About 1,500 Mainers backpack Anthem’s multi-state plan, according to the Maine Bureau of Insurance. No one knows how abounding of them bought the plan assertive it would pay for doctors in added states.

Experts aren’t afraid by the abashing acquired by multi-state affairs that don’t assignment in assorted states. The name is acutely a problem, they said.

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There are the added pitfalls.

Health allowance affairs automatically renew for 2015 if consumers don’t aish or assurance up for a new plan. That automated face-lifting can be acceptable back consumers don’t accept to do annihilation to break insured.

But it can additionally be bad. Consumers may be saddled for a year with allowance that’s gotten added expensive, doesn’t accommodated their needs or isn’t their best advantage anymore.

“Some of the affairs accept changed, your plan ability accept changed,” said Andrea Irwin, acknowledged and action administrator for Consumers for Affordable Bloom Care, Maine’s appointed Consumer Assistance Program. “And there’s so abundant in your activity that can change: accepting married, moving, accepting kids. Your bloom can change. There’s aloof so abounding altered agency that your activity may change in the advance of these aftermost six to eight months.”

Some affairs pay for all hospitals in Maine while others, like Anthem, action a attenuated arrangement that excludes some hospitals. Consumers can be in for a big abruptness — in the anatomy of a big bill — if they go to a hospital they accept is in-network and it’s not an emergency.

“I’m cerebration of one being we heard from, a man whose wife had accustomed birth,” Irwin said. “They had an Anthem plan and she had accustomed bearing at Mercy (Hospital in Portland) and was told it wouldn’t be covered.”

Some affairs pay for all hospitals, but not all doctors. That’s meant some patients accept anaplasty at an in-network hospital alone to acquisition out that their anesthesiologist, for example, wasn’t on the allowance company’s annual of accustomed doctors.

Cioppa declared that an “unreasonable expectation” on consumers, but he’s apparent allowance companies debris to pay for the doctor’s casework back that happens.

“We’ve gone to bat in several circumstances,” he said.

Just as they accept in-network and out-of-network doctors and hospitals, allowance affairs accept decree drugs they will and won’t cover. And again there are drugs they’ll pay article toward, abrogation consumers to pay the rest. Consumers accept to analyze that biologic annual — declared a blueprint — to acquisition out which medications are covered, but that annual can be over 100 pages long.

“It’s gotten a lot added complicated,” Cioppa said.

Also complicated: advantageous for insurance.

Although consumers can opt to pay their annual premiums with an automated abandonment from their coffer account, experts say it doesn’t alpha the aboriginal month. The antecedent exceptional acquittal — the one that locks in the allowance — charge be paid first, again automated abandonment can booty over. It’s a detail that’s acquired problems for some Mainers.

There is a 30- to 90-day adroitness aeon on best backward bloom allowance payments, but not the aboriginal one. No antecedent acquittal agency no insurance; the plan is anon cancelled.

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And while those consumers won’t accept insurance, they will accept article else: a fine. By law, best Americans afterwards allowance currently face a amends of up to $285 per ancestors or 1 percent of domiciliary income, whichever is greater.

For those who charge advice advantageous for insurance, subsidies are available. But those accept acquired confusion, too.

Federal subsidies are accessible for bodies who acquire amid 100 percent and 400 percent of the federal abjection level. Appropriate credits are additionally accessible to lower abroad allowance costs — such as co-pays at the doctor’s arrangement — for bodies who acquire amid 100 percent and 250 percent of the federal abjection level.

Those appropriate credits accept bent some Mainers off guard.

At Maine Community Bloom Options, a bloom allowance address in Lewiston, some consumers active up for affairs with a college annual amount because those affairs had lower co-pays. But they didn’t apprehend they able for appropriate credits, which bargain co-pays for them. They didn’t charge to pay added every ages to pay beneath back they arrangement the doctor’s office.

The allowance aggregation bent some sign-ups in time to appetite the consumers to change plans, but a few bodies paid added every ages for nothing.

“The aberration [between plans] is very, actual subtle,” said Michael Gendreau, administrator of outreach, apprenticeship and communications.

So how can Mainers abstain the pitfalls?

First, experts say, don’t automatically re-enroll. Consumers should attending at what they charge for bloom care, what they accept now for insurance, and what affairs are accessible to them starting Nov. 15.

Those who got bent in the multi-state abashing ability appetite to about-face to a plan that covers them out of state, for example. Those who admired alone assertive doctors and hospitals ability acquisition what they charge in a attenuated network.

“It pays for them, alike if they’re very, actual blessed with what they have, it pays for them to go and booty a attending at everything,” said Janice Daku, Navigator Consortium Project administrator at Western Maine Community Action, one of two Maine groups that accustomed federal money to advice Mainers assurance up for bloom insurance.

Even admitting a plan may attending the aforementioned for 2015, there can be slight but important changes, including which medications are covered, how abundant patients charge pay back they see the doctor and which hospitals are favored.

“Our bulletin to consumers: Attending at the plan you currently have, accomplish abiding you accept your benefits, costs and provider arrangement coverage, and again analyze what you accept to the added plans,” said Anthem agent Rory Sheehan.

After that, experts say, consumers should ask questions. Lots and lots of questions. And never assume, alike if the acknowledgment seems obvious.

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Although brokers, agents, allowance aggregation representatives, navigators, certified administration and federal barter assembly are all accomplished to acknowledgment questions, individuals can accept old advice or be misinformed. Experts say consumers should accede talking to added than one trusted being and bifold analysis important plan capacity — such as which hospitals are covered and whether the plan pays for doctors alfresco Maine — anon with the allowance company.

Experts additionally admonish Mainers to apprehend the accomplished book in any plan they’re considering. Admitting that’s not consistently so easy.

“Old-school bodies like me, area you’re acclimated to accepting adamantine copies of things and account bales that you accumulate in your little manila envelope in a safe place, they don’t accept that anymore,” Leahy-Lind said. “They aloof accelerate you these [website] links.”

Experts say Mainers should ask for three things back attractive at a plan: the affidavit of advantage (fine print), arbitrary of allowances and advantage (lists what the plan covers and abroad costs) and the decree biologic blueprint (tells which medications will be covered). The Maine Bureau of Allowance expects allowance companies to accommodate cardboard copies of those aloft request.

“If anyone anytime has agitation accepting that, they can alarm us or the Bureau of Insurance,” said Irwin at Consumers for Affordable Bloom Care. “Or if anyone has agitation compassionate it, we would additionally advice them do that. I apperceive sometimes it’s not accounting in consumer-friendly language.”

Once consumers accept the information, experts say, they should booty time to anticipate about their options. They shouldn’t feel rushed, alike if they’ve been on the buzz with a barter adumbrative for an hour or spent the afternoon activity through the sign-up action with a navigator.

“Very rarely does anyone say, ‘Oh, that’s the plan I appetite appropriate there’ while they’re there for their appointment. They charge to action and anticipate about it, and we animate that. Anticipate about your own medical needs, what drugs you booty on a approved basis, what your abiding bloom altitude ability be. For anyone abroad that you’re activity to accept covered in the plan, anticipate about their affairs and their health,” said Daku. “Take your time.”

But sometimes consumers can do aggregate appropriate and still run into problems. Back that happens, Consumers for Affordable Bloom Affliction and the Maine Bureau of Allowance booty complaints and assignment to dness issues, including denied claims and abruptness out-of-network medical bills.

Consumers additionally accept the appropriate to address decisions fabricated by their allowance company.

Generally, consumers can address alert to their allowance company. If both are denied, they can ask the Maine Bureau of Allowance to accompany an alien analysis afore an absolute analysis organization. For appointed “multi-state”plans, U.S. Arrangement of Personnel Management oversees the alien review, not the Maine Bureau of Insurance.

Consumers can additionally booty their case to court.

Mainers can get advice with appeals from Consumers for Affordable Bloom Care. Back 2011, it has has recovered $300,000 for Mainers whose bloom allowance claims had been denied. Best of it was recovered on appeal.

Leahy-Lind is ambrosial her allowance company’s accommodation on the area that its arrangement of doctors and hospitals isn’t able for her condition. She said Anthem will pay for her to accept anaplasty in Portland, but not in Boston area her specialist practices.

In the meantime, she has has committed to accepting the anaplasty in Boston at the alpha of October. It will acceptable amount hundreds of bags of dollars, money she can’t afford. Again there will be addition anaplasty to aish the bump in her aing that angry out to be different to her pancreas. And afterwards that, a lifetime of tests and scans to watch for recurrence.

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She calls herself “extremely lucky” that her bump was bent beforehand than most. She feels beneath advantageous with her allowance plan.

“You’ve got to apperceive what you accept afore you buy it. Question everything,” she said. “I don’t anticipate the bodies who awash it to me alike knew what it meant.”

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