Wednesday, October 23, 2013

Obamacare Deception: Exchange Lists Wrong Coverage Prices...for Starters.

Obamacare exchange shop and browse comes with the wrong price tag

CBS News has uncovered deceptive pricing on the Obamacare exchange sites.

Purchasers of Obamacare online risk being stuck later with premiums at least double the cost of the initial premium, as quoted at the moment of purchase...for starters.

CBS News
CBS News has uncovered a serious pricing problem with HealthCare.gov. It stems from the Obama administration's efforts to improve its health care website. A new online feature can dramatically underestimate the cost of insurance.
The administration announced it would provide a new 'shop and browse' feature Sunday, but it's not giving consumers the real picture. In some cases, people could end up paying double of what they see on the website, CBS News' Jan Crawford reported Wednesday on 'CBS This Morning….'
Under the 'shop and browse', one types in one's zip code to get a list of prices which are incorrect.

In addition, the website separates individuals into two categories, i.e., “49 or under” and “50 or older.”

Obamacare exchange shop and browse comes with the wrong price tag 002

The cost of premiums for individuals in the first group, ages “49 or under” are based on the premium costs for 27 year olds while the premium cost for the latter group, ages “50 or older”  is based on that which a 50 year old would pay.



Confused yet?  You should be and no doubt, it is intentional especially since all of this coming from an administration that plays fast and loose with the rule of law and the math.

Keeping in mind that Obamacare is a power and money grab, what are the odds that those who purchase this train wreck will periodically find themselves hostage to higher costs and premiums at the whim of a government that wants to do nothing but tax Americans to death and at the mercy of overly aggressive bullies at the IRS, mercy being in extremely short supply.

Am I overthinking this?  Maybe, maybe not.  Time will tell.

Another example:
...CBS News ran the numbers for a 48-year-old in Charlotte, N.C., ineligible for subsidies. According to HealthCare.gov, she would pay $231 a month, but the actual plan on Blue Cross and Blue Shield of North Carolina's website costs $360, more than 50 percent higher. The difference: Blue Cross and Blue Shield requests your birthday before providing more accurate estimates.
The numbers for older Americans are even more striking. A 62-year-old in Charlotte looking for the same basic plan would get a price estimate on the government website of $394. The actual price is $634....
Read Full Article

Obamacare, the Ponzi scheme and spy tool.

So what is their excuse?

HHS claims that they wanted visitors to the Obamacare exchange to learn the status of their eligibility for subsidies prior to awareness surrounding the cost of policies.  However, in order for one to learn one’s eligibility status, one must first and foremost submit all of their personal information including date of birth while spies data mine the IP address, etc., of the individual seeking information.


Mission accomplished, the individual seeking information will then be presented with the incorrect cost of premiums which according to HHS is only incorrect because it allegedly excludes tax credits.

Hmmm.  Are you buying that?  Better yet are you following this? (Trust me, this is no different than watching con artists on 34th Street and Seventh Avenue, NYC con tourists with three card monty.)

Success of the ponzi scheme aka Obamacare is incumbent upon first securing the personal and credit information of the mark then bait said mark with the introduction of deceptively low pricing.
The Healthcare.gov website requires that individuals looking for coverage enter personal information before comparing plans. IT experts believe that this requirement is causing the website to crash.
The Healthcare.gov website requires that individuals looking for 
coverage enter personal information before comparing plans. IT
experts believe that this requirement is causing the website to crash.

The next step would be advising the mark of the real cost after the mark has been reeled in for the kill and the deal sealed.
The federal government’s decision to force people to apply before shopping, Weaver and Radnofsky write, ‘proved crucial because, before users can begin shopping for coverage, they must cross a busy digital junction in which data are swapped among separate computer systems built or run by contractors including CGI Group Inc., the healthcare.gov developer, Quality Software Services Inc., a UnitedHealth Group Inc. unit; and credit-checker Experian PLC. If any part of the web of systems fails to work properly, it could lead to a traffic jam blocking most users from the marketplace.’
Jay Angoff, a former federal official at the agency that oversees the exchange, told the Journal that he was surprised by the decision. ‘People should be able to get quotes’ without entering all of that information upfront.
Weaver and Radnofsky say that the core problem stems from ‘the slate of registration systems [that] intersect with Oracle Identity Manager, a software component embedded in a government identity-checking system.The main Healthcare.gov web page collects information using the CGI Group technology. Then that data is transferred to a system built by Quailty Software Services. QSS then sends data to Experian, the credit-history firm. But the key ‘identity management system’ employed by QSS was designed by Oracle, and according to the Journal’s sources, the Oracle software isn’t playing nicely with the other information systems….
Experian sold personal information and credit history to Identity thieves.

Obamacare, from day one has been an accident waiting to happen.  We are now learning that the credit history firm Experian mentioned above sold drivers license and social security numbers, bank account and the credit card data of millions of Americans to an identity theft service.


Krebson Security.com
Founded in 2001, Court Ventures described itself as a firm that “aggregates, repackages and distributes public record data, obtained from over 1,400 state and county sources.” Cached, historic copies of courtventures.com are available through archive.org.
THE ROLE OF EXPERIAN
In March 2012, Court Ventures was purchased by Costa Mesa, Calif.-based Experian, one of the three major consumer credit bureaus. According to Martin, the proprietors of Superget.info had gained access to Experian’s databases by posing as a U.S.-based private investigator. In reality, Martin said, the individuals apparently responsible for running Superget.info were based in Vietnam.
Martin said he first learned of the ID theft service after hearing from a U.S. Secret Service agent who called and said the law enforcement agency was investigating Experian and had obtained a grand jury subpoena against the company.
While the private investigator ruse may have gotten the fraudsters past Experian and/or CourtVentures’ screening process, according to Martin there were other signs that should have alerted Experian to potential fraud associated with the account....
Read full report

The news gets worse by the minute. You just can’t make this up no matter how hard you try.
The personal information, financial and otherwise of Americans should not be made privy to Experian, the IRS and many of the Obamacare exchange navigators.

Moreover, people should be mindful that under Obamacare the IRS controls the purse strings of the individual.  Therefore, if said individual overpays into this ponzi scheme, said individual should not be surprised when the IRS rationalizes not returning said overpayment.

After all, Obamacare is a money and power grab which means that you will never get back that with which you have parted.

Even worse is those unacquainted with Obamacare and its trappings will sign up for this ponzi scheme expecting to pay $250 per month or less only to later find themselves locked into a premium three four times higher.  Attempting to extricate oneself from that debacle promises to be a nightmare.

Finally, not only do I smell b.s., I sense a major class action suit coming on, possibly several.  H/t Washington Free Beacon.


References:
Obamacare's Website Is Crashing Because It Doesn't Want You To Know How Costly Its Plans Are
Experian Sold Consumer Data to ID Theft Service



LINKS:
http://www.cbsnews.com/8301-505269_162-57608843/healthcare.gov-feature-often-lists-wrong-prices-for-coverage/
http://www.forbes.com/sites/theapothecary/2013/10/14/obamacares-website-is-crashing-because-it-doesnt-want-you-to-know-health-plans-true-costs/
http://freebeacon.com/obamacare-website-often-lists-wrong-coverage-prices/
http://krebsonsecurity.com/2013/10/experian-sold-consumer-data-to-id-theft-service/?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+KrebsOnSecurity+%28Krebs+on+Security%29
http://www.theverge.com/2013/10/21/4861620/experian-court-ventures-reportedly-sold-ssn-superget-identity-theft

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