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An open letter from an Alabama mom about her personal experience with Obamacare aka ACA

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  • An open letter from an Alabama mom about her personal experience with Obamacare aka ACA

    My family’s journey with securing our new insurance under the Affordable Care Act (ACA) started on October 1, 2013. I have decided to write this letter to let the American people know what it has been like for us. We are a family of four, with two little boys’ ages seven years old and three years old. My husband and I have had full time jobs for 6 years and 13 years respectively. We have been with the same two companies for those years. We are a middle class family; we own our three bedroom two bath house, we own two cars, and previously provided our own insurance for the four of us. We have coverage through Individual Blue from Blue Cross Blue Shield of Alabama until 12/31/13. Our premiums have been $380.00 a month, which also included dental coverage for all four of us.

    On October, 1, 2013 we received our letters like other Alabamians about our new premiums and plans for 2014 from Blue Cross Blue Shield (BCBS) of Alabama. When I opened our letter to say I had sticker shock was an understatement. Our premiums for the Blue Saver Silver would now be $753.26. This included the ACA tax but did not include the additional $75.00 we would need to pay in order to keep dental for me and my husband. So we would need to pay total $828.26 to keep health and dental insurance for the four of us. This payment is roughly $64.00 less than what we pay for our mortgage each month. I was outraged that anyone thought we could afford this. Sure we have some savings, but with that price tag we would whittle it down to almost nothing very quickly. I consider savings as a rainy day fund, a start to saving for the kid’s college, our retirement, etc. I never dreamed in a million years we would need to use it to pay our insurance premiums each month – how in the world could this help the economy too?

    Throughout the month of October we read everything we could on what our plan would cover, and tried to get the information we needed about the ACA. I was also blown away when I realized that my son’s medical care, he has Attention Deficit Hyperactivity Disorder (ADHD), would cost us so much more out of pocket than it was currently costing us. My son has to go to his doctor every other month for his care. If we need to see a therapist we do that monthly, so you see on top of the premiums there are other out of pocket cost we have to factor in. He is also on medication that he takes daily. His medicine is a life saver for him and helps him function like a normal seven year old, without it he can’t focus, his grades slip and his mind literally goes back to the mind of a three or four year old. When he was first put on his medicine his reading went up 20 points and he went from writing one to two sentences to paragraphs, all in the course of a week. He is a straight A student and very bright, but without the proper medical care that could slip away from him. Under our new plan for 2014 we would need to pay a $55.00 co-pay, and then it would be covered at 80 percent once we reached his deductible, which would be $2,000 individual $4,000 family. Out of pocket max numbers are $6,350 individual and $12,700 family. All of this is enough to make anyone’s head spin. We were then forced to look at other options as none of this was affordable for our family.

    I started to dig deeper into healthcare.gov. I was hearing all the horror stories through the news about the subpar website. I was reading right off their healthcare.gov Facebook page about other people’s terrible experiences trying to get coverage. Then the government announces that they are going to be working on the site and making it a better experience as well as making it more secure. They had already had three years to make this happen but they said would need the month of November to get it running right. So I waited patiently for them to get the site running so I could see if we would qualify for the subsidy and continue our health insurance through that route.

    So I waited until Tuesday December 10, 2013, which was day four and called them back. I was then told it would be 2-5 business days and if I had not heard from them at that time to call back. So that is what I did, I waited till 9:00 pm on that Friday December 13, 2013 with no phone call. I called Sunday December 15th, 2013 and spoke with my 3rd supervisor who told me “they were very sorry that I had not received a phone call and they were messaging the two departments to give me a call the following day”. He also said to go ahead and file with All Kids in my state because even though they send that information to them, they have no idea when they will receive it. So Monday I went and applied for All Kids for my children, it was a similar application to the healthcare.gov site. I called them to verify that they received my application and was told they cannot access it till sometime in January. They said once they could access it that they would be in touch and if the kids qualified the coverage would retro act to January 1, 2014. So that was a little bit of good news.

    So here we are December 22, 2013, the day before the December 23rd deadline to sign up through the Health Insurance Marketplace’s Exchange. I decide I will call one last time to see what they can tell me about coverage, since I never received a phone call after my last conversation with a supervisor. I waited on hold for 1 hour and 15 minutes. I asked to speak with a supervisor and I was transferred. The supervisor pulled my file and was talking to me when she must have accidentally pressed a button and we got disconnected. I thought for sure she would call me back. That is one of the first things they ask for is your phone number. I did not receive a call back, so I call back and have to be placed on hold again to speak to someone. I waited another hour and a half before I get connected with a supervisor. She pulls up my file and tells me “there is nothing they can do and I have to wait the 90 days they have to contact me through the appeals process”. The supervisor tells me “that this whole time I have been told wrong by numerous people and that I should have been called back but that the two departments could do nothing for me”. I just have to wait the 90 days. I asked her, “so yet again an error, due to no fault of my own, has occurred all these times I have been calling and speaking with people and no one can really do anything”? She said “yes that is correct, I am sorry you have been told something different but that is all I can tell you”.

    I have never been treated so poorly by any insurance company in my whole life. I have never experienced such terrible customer service in all my years on this earth. I can’t imagine how long a company would last in this country if they followed the same protocol as the ACA/Health Insurance Marketplace does. Most companies can fix a glitch in their systems pretty easily, or can connect you to someone who can. Not the ACA/ Health Insurance Marketplace, you spend all that time on hold to just be told, so sorry but you have to wait for someone to get back to you in a 90 day time span.

    What is the most sickening thing to me is that we have been forced into the Health Insurance Marketplace’s Exchange. We wanted to continue our coverage through BSBC and pay as we always had been. But, we found out that option would not be affordable under the new Act, which is how we were forced into the Exchange. Furthermore, not only were we forced into the Exchange, but then forced again to submit an application to ALL Kids for our children. I just don’t understand how we go from being hard working middle class family who provides everything for our family to where we are today. I feel like everything that my husband and I have worked hard for is for nothing. I pray each night that we will get something resolved with our “glitch” in the system so our children will have health insurance coverage in January and by the time I have to purchase my son’s $400 a month ADHD medicine.

    I really don’t know how our government can allow this to be taking place. What if something happens and one of my boys breaks an arm, or God forbid something worse? They don’t have insurance, so I guess we will then be paying the hospital monthly if that happens. We are almost completely debt free currently and now all I see is very large medical bills in our future until the government can fix the issues with the ACA/Exchange. I would really like them to rename the Affordable Care Act, because from where I am sitting it is anything but affordable or caring for my family.

    Sincerely,
    Karri Kinder
    https://www.ijreview.com/2013/12/105...erican-people/

    This after being promised over 40 times by Barack Obama that if you liked your insurance you could keep it. Currently--to-date--there have been 6 million "liked" polices that have been cancelled--and when you add in children and spouses that were covered under those plans--it is estimated that another 14 million have been added to the uninsured in this country because of Obamacare mandates. Obama also promised that a family of 4 would save $2500.00 a year in premiums. Lies--Lies and more Lies.

    PURPOSE OF OBAMACARE: to insure the uninsured EFFECT OF OBAMACARE: uninsuring the insured


  • #2
    Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

    Didn't it go into effect January 1? Has anybody in the nation received even a check up under 0bamacare? I haven't heard about it.

    ?


    • #3
      Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

      Here, in my opinion, is the misapprehension under which you guys are laboring, though.

      See, I think most Americans believe Obama wants ACA to succeed.

      Simply put, he does not. He is teaching America a lesson about agreeing with him at all times. IMO, he still thinks the elected officials in the Senate actually do represent we, the people so when the Senate wouldn't give him the single payer system he REALLY wanted, he conspired with Nancy Pelosi and Gutless Reid (et al) to push this monstrosity down our throats. HE WANTS the ACA to fail, and take as many of us with it as possible or, failing that, at least frustrate the bejesus out of a goodly number of us... Because "we" wouldn't give him that single payer system he really wants.

      this is one big "I TOLD YOU SO" pout which he will effectively say when, sometime in 2014, ACA crashes and he swoops in to save the day with this "great new deal" (a single payer system).

      ?


      • #4
        Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

        You thought that the health insurance companies were evil?

        That's nothing compared to the evil the government does, and can do, as the letter above clearly illustrates.

        ?


        • #5
          Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

          Originally posted by Good1 View Post
          Here, in my opinion, is the misapprehension under which you guys are laboring, though.

          See, I think most Americans believe Obama wants ACA to succeed.

          Simply put, he does not. He is teaching America a lesson about agreeing with him at all times. IMO, he still thinks the elected officials in the Senate actually do represent we, the people so when the Senate wouldn't give him the single payer system he REALLY wanted, he conspired with Nancy Pelosi and Gutless Reid (et al) to push this monstrosity down our throats. HE WANTS the ACA to fail, and take as many of us with it as possible or, failing that, at least frustrate the bejesus out of a goodly number of us... Because "we" wouldn't give him that single payer system he really wants.

          this is one big "I TOLD YOU SO" pout which he will effectively say when, sometime in 2014, ACA crashes and he swoops in to save the day with this "great new deal" (a single payer system).
          I don't agree with that analogy. First of all Obama had a filibuster proof first two years. Republicans couldn't stop him, therefore, Democrats wouldn't go along with a single payer system. Nor do I believe Americans would. After all the failures of Obamacare--could anyone possibly imagine the Federal Government taking over their health completely?

          Furthermore, Obama has his name written all over Obamacare--aka Affordable Health care act--which will be his legacy--his Presidency. And this guy is way to arrogant to say well this didn't work so we're going to do something else.

          ?


          • #6
            Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

            By the time this is all said and done more will realize how much of a huge win Obamacare turned out to be for big insurance companies and big government.

            ?


            • #7
              Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

              I think big government will squeeze big insurance out of a job soon.

              ?


              • #8
                Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                Elections have consequences.

                ?


                • #9
                  Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                  Originally posted by Oreo View Post
                  I don't agree with that analogy. First of all Obama had a filibuster proof first two years. Republicans couldn't stop him, therefore, Democrats wouldn't go along with a single payer system. Nor do I believe Americans would. After all the failures of Obamacare--could anyone possibly imagine the Federal Government taking over their health completely?

                  Furthermore, Obama has his name written all over Obamacare--aka Affordable Health care act--which will be his legacy--his Presidency. And this guy is way to arrogant to say well this didn't work so we're going to do something else.
                  yes, his anme is all over it, but only because he has to be seen supporting it...and yes, the democrat we, the people, could have delivered the single payer system... When they did not, Reid, Pelosi, and his lordship conspired to teach we, the people, a lesson.

                  ACA will not be his legacy once he swoops in to save the day.

                  Factor this: do you think Obama's handlers are smart enough to understand that if Obamacare is so good (as they currently proclaim it is), they would not need a law to force people to buy it (I think Ted Cruz said that first)? I think they are, so if they don't really think it is that good... Don't you think we are all part of their bigger plan?

                  ?


                  • #10
                    Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                    Originally posted by Sluggo View Post
                    By the time this is all said and done more will realize how much of a huge win Obamacare turned out to be for big insurance companies and big government.
                    I think some of the insurance companies made lemonade with the lemon they saw coming. Remember, they were "against it before they were for it."

                    but as Texan said, I also expect they will soon be out of the healthcare arena.

                    ?


                    • #11
                      Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                      Originally posted by Texan View Post
                      I think big government will squeeze big insurance out of a job soon.
                      That is the logical next step. Obamacare already has some elements you could argue would transition well to a single payor system.

                      ?


                      • #12
                        Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                        Originally posted by Good1 View Post
                        I think some of the insurance companies made lemonade with the lemon they saw coming. Remember, they were "against it before they were for it."

                        but as Texan said, I also expect they will soon be out of the healthcare arena.
                        You should not forget that just before Obamacare was voted on Insurance Companies were at the White House putting their input into the plan. They may not have gotten all they wanted, but they sure protected themselves against having to insure everyone they once would not.

                        ?


                        • #13
                          Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                          Originally posted by Good1 View Post
                          yes, his anme is all over it, but only because he has to be seen supporting it...and yes, the democrat we, the people, could have delivered the single payer system... When they did not, Reid, Pelosi, and his lordship conspired to teach we, the people, a lesson.

                          ACA will not be his legacy once he swoops in to save the day.

                          Factor this: do you think Obama's handlers are smart enough to understand that if Obamacare is so good (as they currently proclaim it is), they would not need a law to force people to buy it (I think Ted Cruz said that first)? I think they are, so if they don't really think it is that good... Don't you think we are all part of their bigger plan?
                          Obama's handlers are smart enough to realize that ObamaCare isn't as good as they've been lying to the electorate about, and won't even address the valid question raised, which is 'if it's go good, why does the law have to force people into buying it?' I don't think they have a reasonable response to that, with the exception of lying some more, which I wouldn't put it past them.

                          I question your idea that 'once he swoops in to save the day'. How's he going to do that? Yet another illegal modification of the law by executive order?

                          Originally posted by Sluggo View Post
                          That is the logical next step. Obamacare already has some elements you could argue would transition well to a single payor system.
                          Single payer isn't going to be able to be instituted without congressional action to make it happen, and I think the congress has seriously soured on the idea of even more big government take over of healthcare.

                          However, I can see the healthcare insurance company bailout (it's already in ObamaCare) happening, but my impression is that that's not going to be enough money to keep the healthcare insurance companies afloat given the expense exposures that they are going to face in the coming year. So I can also easily see a healthcare bailout package working it way through congress and being held hostage with the presented choice of 'either a massive bailout or single player'. Given that choice, I think I'd go with the bailout, but only one, and would also insist on changes to ObamaCare that would eliminate a need for another one.

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                          • #14
                            Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                            Originally posted by eohrnberger View Post
                            Obama's handlers are smart enough to realize that ObamaCare isn't as good as they've been lying to the electorate about, and won't even address the valid question raised, which is 'if it's go good, why does the law have to force people into buying it?' I don't think they have a reasonable response to that, with the exception of lying some more, which I wouldn't put it past them.

                            I question your idea that 'once he swoops in to save the day'. How's he going to do that? Yet another illegal modification of the law by executive order?



                            Single payer isn't going to be able to be instituted without congressional action to make it happen, and I think the congress has seriously soured on the idea of even more big government take over of healthcare.

                            However, I can see the healthcare insurance company bailout (it's already in ObamaCare) happening, but my impression is that that's not going to be enough money to keep the healthcare insurance companies afloat given the expense exposures that they are going to face in the coming year. So I can also easily see a healthcare bailout package working it way through congress and being held hostage with the presented choice of 'either a massive bailout or single player'. Given that choice, I think I'd go with the bailout, but only one, and would also insist on changes to ObamaCare that would eliminate a need for another one.
                            If Obama, the liberals, progressives, congressional Democrats, are going to push for single payer because ObamaCare is failing so misterably, they'll have to overcome the already deep resistance having already developed based on experiences with Obamacare:
                            Ouch: Twitter Besieged by Angry ObamaCare Insults to Kick Off the New Year
                            Ouch: Twitter

                            Besieged by Angry ObamaCare Insults to Kick Off the New Year | Independent Journal Review


                            The media continues to assure us that everything is fixed with Obamacare now that the website works slightly better, but Americans are experiencing new and different problems with Obamas program.
                            And theyre tweeting about it. Here are some I was able to find.

                            No, you still cant keep your doctor:

                            My old doctor's office is now telling my ACA insurance is not good enough. Now I have to find a new doctor that accepts Obamacare.
                            David Prasad (@earth2dave2) January 3, 2014
                            I cannot take my child to the doctor cuz I have high deductible & no money. They require pay. Thanks for ruining our lives Obamacare. [IMG]file:///C:\Users\LZSF7Z\AppData\Local\Temp\msohtmlclip1\01 \clip_image001.gif[/IMG]
                            Amber (@oicStars) January 3, 2014
                            Wow Obama thanks for the health care that now makes it almost impossible for school teachers insurance plans to be accepted at any doctor
                            Jordan Davies (@jaydavxx) January 3, 2014

                            Some are being denied medical care:

                            @MichaelBerrySho
                            Thanks to Obamacare my Grandmother that is dying of cancer and has hospice can't get 24 hour nurse care in her final days
                            Thomas Schoeller (@tschoeller86) January 2, 2014
                            @MinikristinMini @ProducerKen @MichaelBerrySho because the law prevents her and because Medicare got funding cut they have to cut costs
                            Thomas Schoeller (@tschoeller86) January 3, 2014
                            I need a doctor ASAP! I'm in a world of pain FrFr! That Obama Care!!! Bunch of BS! Still got to do me tho! Grind http://t.co/rDkeTzKN4B
                            PURE SOUL & ($.) (@Freak_NastyBMV) January 3, 2014
                            The surgeon removed IVs from my friend's arm today & escorted him out of the OR when the hosp cldn't get an authorization for the procedure.
                            Chauncey Crookshank (@CCrookshank) January 3, 2014
                            When my friend dies because his Obamacare ins won't authorize surgery, is Obama going to pay for all the funeral arrangements? #hellno
                            Chauncey Crookshank (@CCrookshank) January 3, 2014

                            Its even hurting people who arent even ON Obamacare:

                            Mom just got denied an appointment with her GI doctor thanks to Obamacare, even though she has her own insurance. Affordable care, my ass.
                            GaYonc, MD (@Gay__MD) January 1, 2014
                            @iseeyou_nurse because her insurance is no longer providing payment to her doctor, as mandated by ACA
                            GaYonc, MD (@Gay__MD) January 1, 2014

                            Wasnt Obamacare supposed to shore up preventative care to save costs?

                            Preventative care? My doctor says they can no longer bill insurance for preventative labs, courtesy of #Obamacare. Rationed care, anyone?
                            SpatulaMinus (@SpatulaMinus) January 1, 2014

                            Doctors refusing to see Medicaid patients:

                            Took over 3 hours to be seen and they don't even accept Medicaid patients. Healthcare is deteriorating fast. No problems with my insurance,
                            Kozmic Kastaway (@milamberrex) January 2, 2014

                            Website glitches preventing people from seeing a doctor:

                            The WA exchange wants me to verify my income for the 3rd time! They approved us in Nov & DecWTF!? I need a damn doctor NOW! #Obamacare
                            Raytchul (@WreckingRaytch) January 3, 2014

                            Students working to become doctors are reconsidering:

                            Obamacare is making the outlook of being a doctor much worse. May have to rethink my major
                            dylan crozier (@dylancrozier) January 3, 2014
                            @Garrett_WH yeah I'm definitely gonna stick with something medical. Just can't decide.
                            dylan crozier (@dylancrozier) January 3, 2014

                            Doctors quitting:

                            a doctor told my RN wife that he's going to quit being a doctor & become a nurse because he can't afford Obamacare. Lawyers regulating Dr.s!
                            Robert Barber (@RobertBarber64) January 3, 2014
                            The doctor I've been going to for 20 years just told me he might not practice much longer once Obamacare starts to take full effect.
                            King Sa// (@KingOfTheRolex) January 3, 2014

                            Higher premiums and higher costs:

                            Found out today I have to pay additional health care costs at work. No doctor visits since I've worked there what a fine reward. #Obamacare
                            Dave Snyder (@DaveDdbig77) January 3, 2014
                            First a 70$ coepay to see my obgyn its insine #obamacare @Cigna 2nd they couldn't fill my prescription bc they only do home delivery #wtf
                            Sora0025 (@Sora_0025) January 3, 2014
                            @korapeters when I looked up Obama care plans, the cheapest plan was $200/month and literally covered nothing, not even doctor visits
                            Anthony Randall (@randallphoto) January 3, 2014
                            Just found out my #healthinsurance shot up over $1400 / yr #obamacare #sucks #Dislike
                            Mae Lee (@mklee936) January 3, 2014


                            Just search for prescriptions and Obamacare:

                            A gal I know has a sleeping pill prescription. The pill was $5.51 for 30. Now her COPAY is $96.00 because Obamacare reclassified the med.
                            Stephen Wilson (@GR8_2B_alive) January 2, 2014
                            3 weeks ago my prescription cost me $170 today thanks to #obamacare it was $15!!!!
                            high priestess (@cultofcali) January 3, 2014
                            My prescription co-pay went up 33% today guess I should have ordered it yesterday. Thanks #Obamacare
                            Liesl (@LieslChirps) January 1, 2014
                            Overheard a woman arguing at the pharmacy because her $2 prescription is now $450 with Obamacare.The same Obamacare we'll be FORCED TO HAVE
                            CHR⚠STIAN (@kushtiannn) January 3, 2014

                            And always the interminable waiting:

                            Went to @Walgreens to fill a prescription The wait because of #obamacare rollout & changes to Ins policy #'s turned it into a 2 hr ordeal
                            Billy M (@Newlaw1995) January 2, 2014
                            @V3CEO Yeppers. I have been on hold for 1 hr and 40 mins so far, trying to get my sister a doctor under Obamacare since scare in CA
                            Jodi Kyman (@jodikyman) January 3, 2014

                            He doesnt too popular:

                            My doctor just called Obama "the new vampire". Ooook.
                            Enidza Torres (@Uh_NID_Zuh) January 3, 2014
                            These are just from the first few days of Obamacare implementation. Some might dismiss these stories as possibly being exaggerated, but I saw many more negative tweets against Obamacare than positive ones.
                            Now many of the young indestructibles who are being counted on to make ObamaCare work fiscally live on Twitter, and are probably seeing all this.

                            ?


                            • #15
                              Re: An open letter from an Alabama mom about her personal experience with Obamacare aka AC

                              Her family was paying $380/month last year. This year they're paying $221/month (for what sounds like better coverage). If the problem for this family is supposed to be the dollars and cents, they're coming out ahead. By about $1900 per year.

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