The worst experience I have ever had selecting insurance!
It was very difficult to talk or get in touch with an agent to discuss plans. There were no times available to schedule appointments when we were first told that we could schedule. If I were taking on a company or organization and knew that they had 50 employees that needed to discuss insurance, I would have set time slots for 50 people and designated them for that specific company/organization so no one would have had to go through the struggle of scheduling a time to talk to someone or even be denied the opportunity to talk to someone. We would ask for call backs and never receive them. When appointments did get scheduled, the agent called an hour before the scheduled appointment time, which happen to be during a meeting that I was the presenter and had to hurriedly end my meeting as I was told that they would not call back and I would have to reschedule and go through the lengthy process again. I had coworkers who never received a call back and had to make decisions about insurance on their own. Every time I went into look at a plan, all the prescriptions that I had entered would be gone and I would have to reenter the prescription which was very cumbersome. (On the actual marketplace, that does not happen.) When comparing plans I would have to get out of the comparison to add doctors, hospitals and prescriptions if I had forgotten one. On real marketplace, you can just add them right in the comparison. Also why would you have doctors listed on a plan if they do not accept marketplace insurance, which then made extra work for me calling all my doctors to verify that they accepted the plan. In the chat you could only talk to AI which could never answer your specific question. Eventually after many attempts to get an answer from the AI, the chat would let you talk to a real agent. This is the worst experience I have ever had in trying to get insurance. My daughter is on the real marketplace without a broker and does not go through the hassle that I went through trying to select an insurance plan.