tag:blogger.com,1999:blog-34834657007668807472024-03-13T06:41:16.814-07:00An Open Letter to the Obama Administration and American CitizensThe Kinder'shttp://www.blogger.com/profile/03367989167049374014noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-3483465700766880747.post-72820220212911424172014-01-04T14:03:00.000-08:002014-01-04T14:10:40.593-08:00An Update to My Open Letter to the Obama Administration and American Citizens<!--[if gte mso 9]><xml>
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<b> December 23<sup>rd</sup> 2013 is the day my life as I
currently knew it changed.<span style="mso-spacerun: yes;"> </span>I decided
that the letter I had written about my experience with healthcare.gov and the
new Affordable Care Act needed to be posted to what I thought was my little
world of Facebook Friends.<span style="mso-spacerun: yes;"> </span>I addressed
it as <i style="mso-bidi-font-style: normal;">An Open Letter to the Obama
Administration and American Citizens</i>.<span style="mso-spacerun: yes;">
</span>My hopes were for my family and friends to read my letter and understand
what we were going through.<span style="mso-spacerun: yes;"> </span>I wanted
them to know if they were going through it too - they were not alone.<span style="mso-spacerun: yes;"> </span>I knew it would be shared and I asked it to
be shared.<span style="mso-spacerun: yes;"> </span>However I never could have
dreamed it would travel in social media as far as it has to date. </b></div>
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<b> </b></div>
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<b> First, I want to make sure there is no confusion - I am Karri
Kinder who lives in Alabama.<span style="mso-spacerun: yes;"> </span>I did write
that letter and I am also writing this letter.<span style="mso-spacerun: yes;">
</span>Every word of my letter is true.<span style="mso-spacerun: yes;">
</span>This is happening to countless Americans.<span style="mso-spacerun: yes;"> </span>I am now more convinced of that than I was
when I wrote my letter.<span style="mso-spacerun: yes;"> </span>I have had so
many people contact me with their own “Obama Care Horror Story” as some
articles have named it.<span style="mso-spacerun: yes;"> </span>There were a
number of other Americans just like us with such similar stories; it began to
be quite eerie.<span style="mso-spacerun: yes;"> </span>I knew what I had done
would spark conversation among the American people.<span style="mso-spacerun: yes;"> </span>I was speaking out and helping others to do
the same.<span style="mso-spacerun: yes;"> </span>I was letting my children’s’ voices
be heard, I was letting our story be told.<span style="mso-spacerun: yes;">
</span>But, as I realized I was also opening my family up to the court of
public opinion too. </b></div>
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<br /></div>
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<b> Once you put something on the internet it is always there,
and while I never meant to do any harm, my words sparked anger in many of my
fellow Americans.<span style="mso-spacerun: yes;"> </span>I could not understand
it.<span style="mso-spacerun: yes;"> </span>All I was trying to do was to get
the word out there about what was happening to us and what was happening to my
children.<span style="mso-spacerun: yes;"> </span>They are the only ones who
have mattered through all this.<span style="mso-spacerun: yes;"> </span>They
were the reason I wrote my letter – I needed to be their advocate.<span style="mso-spacerun: yes;"> </span>I, as their mother, had to tell their story.
And I am very glad I live in a country where a single individual’s voice
matters.</b></div>
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<br /></div>
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<b> Again, everything in my previous letter was completely
the truth.<span style="mso-spacerun: yes;"> </span>We were covered by Blue Cross
Blue Shield (BCBS) of Alabama for $380.00 a month, including dental coverage.<span style="mso-spacerun: yes;"> </span>I wouldn’t even begin to know how to make up
that number.<span style="mso-spacerun: yes;"> </span>That is what our plan cost
and that is what I paid for the last 12 months.<span style="mso-spacerun: yes;">
</span>Everyone’s premiums are different; they fluctuate from state to state as
well.<span style="mso-spacerun: yes;"> </span>However, I saw my fellow Americans
coming to my defense when my numbers came in question on several sites – for
that I am very grateful.<span style="mso-spacerun: yes;"> </span>They also were
telling their stories and sharing their premiums and confirming my numbers were
not a lie.<span style="mso-spacerun: yes;"> </span>Their numbers were similar to
ours.<span style="mso-spacerun: yes;"> </span>Many will say that our plan was so
cheap because it was one of the sub par plans we have heard all the politicians
talk about on the television.<span style="mso-spacerun: yes;"> </span>But to us
it wasn’t.<span style="mso-spacerun: yes;"> </span>It met our needs and wants in
a health insurance plan.<span style="mso-spacerun: yes;"> </span>My child’s
medical needs (he has ADHD) were being met.<span style="mso-spacerun: yes;">
</span>All of his care this past year had been covered at 100 percent.<span style="mso-spacerun: yes;"> </span>When we went to the doctor for his ADHD care,
we never paid a co-pay.<span style="mso-spacerun: yes;"> </span>When we saw his
therapist for his behavioral therapy we never paid a co-pay or received a bill
for that either.<span style="mso-spacerun: yes;"> </span>His medicine that he
takes (generic form) cost us $100 for the first prescription, for us to meet
his deductible and then a $15 dollar co-pay the rest of the year each time we
filled a prescription.<span style="mso-spacerun: yes;"> </span>So, again for us
our BCBS plan was meeting our needs.<span style="mso-spacerun: yes;"> </span></b></div>
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<br /></div>
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<b> I kept my letter politics free.<span style="mso-spacerun: yes;"> </span>My letter wasn’t about the political side of
the Affordable Care Act.<span style="mso-spacerun: yes;"> </span>It was about
what was happening to us and how it was hurting my family.<span style="mso-spacerun: yes;"> </span>After all the stories people have sent me, it
is clear there are many “glitches” in this system.<span style="mso-spacerun: yes;"> </span>I for one am so happy that people, who were
being denied coverage for pre-existing conditions, now are able to get
insured.<span style="mso-spacerun: yes;"> </span>I have always supported that
aspect of the ACA.<span style="mso-spacerun: yes;"> </span>It is not right that
someone who wants health insurance and is willing to pay the premiums for their
health insurance, were not allowed by the insurance companies to do so.<span style="mso-spacerun: yes;"> </span>However that is where my support
stopped.<span style="mso-spacerun: yes;"> </span>I don’t feel it is right to
force other people, into a system they don’t want or truly need to be a part
of. <span style="mso-spacerun: yes;"> </span>What happened to “if you like your
current plan, you can keep it?”<span style="mso-spacerun: yes;"> </span>We
certainly liked our plan but we are no longer allowed to keep it, it doesn’t
meet all the requirements of the ACA and that is why it was terminated.<span style="mso-spacerun: yes;"> </span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b> So here we are on January 4, 2014 and I do have some good
news.<span style="mso-spacerun: yes;"> </span>Because I decided to write my
letter and speak out - people stepped up and helped us.<span style="mso-spacerun: yes;"> </span>We were contacted on January 1, 2014 by the
U.S. Department of Health and Human Services.<span style="mso-spacerun: yes;">
</span>I was told by the woman I spoke with that she had read my letter and
wanted to get her team involved and see what they could do to help us.<span style="mso-spacerun: yes;"> </span>I recounted to her what was happening and
that I had been advised to go ahead and sign me and my husband up for a plan on
healthcare.gov.<span style="mso-spacerun: yes;"> </span>We went with a lower
cost plan because it was going to just be the two of us.<span style="mso-spacerun: yes;"> </span>We had no idea what it was going to cost for
the children once we got some answers.<span style="mso-spacerun: yes;"> </span>So
we went with BCBS Blue Value Saver plan.<span style="mso-spacerun: yes;">
</span>The cost of the plan is $459.19.<span style="mso-spacerun: yes;">
</span>We qualified for $255.00 in subsidies so the final cost of the plan to
us is $204.19 each month.<span style="mso-spacerun: yes;"> </span>I told the
lady that I would cancel that plan if I needed to.<span style="mso-spacerun: yes;"> </span>What we wanted was to have all of us on one
plan like we always have been.<span style="mso-spacerun: yes;"> </span>She said,
“If the kids qualify for ALL Kids then I am pretty sure they have to go that
route or you will have to buy them a plan at the normal rate.”<span style="mso-spacerun: yes;"> </span>So again we were told more than likely we
will have to go through ALL Kids.<span style="mso-spacerun: yes;"> </span>She
took the rest of our information down and said she was getting her team to work
on it and would either call us back or ALL Kids would contact us. </b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b> January 2, 2014, a gentleman from ALL Kids contacted me
as the Health and Services rep had stated.<span style="mso-spacerun: yes;">
</span>He had more questions for me and he said wanted to make sure we needed
to go the ALL Kids route, since the U.S. Dept of Health and Human Services rep
told him that we didn’t want to put our kids on ALL Kids unless we had no other
option.<span style="mso-spacerun: yes;"> </span>He went over the program with me
and said they would be working on my application.<span style="mso-spacerun: yes;"> </span>He also told me it was a very good thing that
I had went ahead and filled out an application with them personally because
they had still not received our application through healthcare.gov.<span style="mso-spacerun: yes;"> </span>I couldn’t believe that information had not
been sent yet.<span style="mso-spacerun: yes;"> </span>Remember I had received
our first results on December 6, 2013.<span style="mso-spacerun: yes;"> </span>I
was even more confident at that point that my letter had made all the
difference for my children.<span style="mso-spacerun: yes;"> </span>I can’t
imagine how long we would have waited to be contacted by the state, because our
application was somewhere in limbo land through the healthcare.gov site.<span style="mso-spacerun: yes;"> </span>I was also very grateful to the one person
with healthcare.gov who actually told me I needed to go ahead and file a
separate application with ALL Kids.<span style="mso-spacerun: yes;"> </span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b> January 3, 2014 at 2:00 pm I returned a missed phone call
from ALL Kids – I had been at work and unable to answer the original call.<span style="mso-spacerun: yes;"> </span>They told me that our children have now been
approved and they went over the cost with me.<span style="mso-spacerun: yes;">
</span>The cost to us for both boys will be $208.00 annually.<span style="mso-spacerun: yes;"> </span>So that means it will be a little over $17.00
a month for coverage through ALL Kids for both boys.<span style="mso-spacerun: yes;"> </span>I was told we should be receiving our packet
information and cards in the mail within the next 5-7 business days.<span style="mso-spacerun: yes;"> </span>I thought when all this started that when we
finally got our boys coverage through something I would have a huge sense of
relief and weight off my shoulders.<span style="mso-spacerun: yes;"> </span>Please,
do believe, I am incredibly grateful that they have coverage now and I am
indebted to those who made this possible.<span style="mso-spacerun: yes;">
</span>However, I truly hate the fact that it is not how we wanted them to be
covered.<span style="mso-spacerun: yes;"> </span>We don’t want to have to be
reliant on the government, which is what makes my heart so heavy today.<span style="mso-spacerun: yes;"> </span>I think to myself, just a month ago, we were
paying for our whole family to have private insurance and now today that is not
the case.<span style="mso-spacerun: yes;"> </span>There are so many people out there
who needed these services due to falling on hard times and other
circumstances.<span style="mso-spacerun: yes;"> </span>I think it is a great
program for those who need it, to get back on their feet.<span style="mso-spacerun: yes;"> </span>However a month ago we were not the people
the program was designed for and today we are - to afford coverage and still
have some money to spend and support the U.S. Economy by affording to buy
clothes, food , clothes, gas, and other necessities.<span style="mso-spacerun: yes;"> </span>Again, I am forever indebted to those who got
the ball rolling for them to have coverage – those who called me and made sure
my children would get coverage quickly.<span style="mso-spacerun: yes;">
</span>We just didn’t want to have to be reliant on the government when we
didn’t have to before the ACA was passed and enacted. <span style="mso-spacerun: yes;"> </span>Seems we should have a healthcare system that
maintains affordability on all levels without needing the government’s funds to
afford a modest lifestyle as middle class Americans.<span style="mso-spacerun: yes;"> </span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b> Lastly, I want to thank my family and friends for all the
support you have shown us.<span style="mso-spacerun: yes;"> </span>To all, my
fellow Americans, who did not know us and shared our story. <span style="mso-spacerun: yes;"> </span>To our Alabama State Senator Tom Whatley (R -27<sup>th</sup> District) who took the time to call us and offered his help
and support.<span style="mso-spacerun: yes;"> </span>All of you had a part in
helping get us answers and a solution to our situation.<span style="mso-spacerun: yes;"> </span>So many sent us their thoughts and prayers
and we are so thankful to each and every one of you.<span style="mso-spacerun: yes;"> </span>I encourage everyone who has shared their
stories with us to please write your own letter so others can see that we are
not the only family this is happening to.<span style="mso-spacerun: yes;">
</span>There are so many stories in my email inbox of families, just like us,
getting lost in the ACA system and that were paying for their own healthcare
plans that were affordable for their families until now.<span style="mso-spacerun: yes;"> </span>If we all speak up then our government will
have to listen and work on fixing the problems as a whole.<span style="mso-spacerun: yes;"> </span>I will support all of you who decide to speak
out.<span style="mso-spacerun: yes;"> </span>It is not an easy road as I have
learned, but it did get us the help we needed to start the new year fully
covered.<span style="mso-spacerun: yes;"> </span>My thoughts and prayers are
with all of you going through this and I will offer my support any way I can. </b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Karri Kinder </b></div>
The Kinder'shttp://www.blogger.com/profile/03367989167049374014noreply@blogger.com4tag:blogger.com,1999:blog-3483465700766880747.post-51823614033685759762013-12-23T12:29:00.000-08:002013-12-23T16:05:15.515-08:00<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal">
December 22, 2013</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">The Affordable Care
Act is leaving my children uninsured as of January – so how can this law have
the word Care in it? </b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
An Open Letter to the Obama Administration and American
Citizens:</div>
<div class="MsoNormal">
<span style="mso-tab-count: 1;"> </span></div>
<div class="MsoNormal">
<span style="mso-tab-count: 1;"></span> My
family’s journey with securing our new insurance under the Affordable Care Act
(ACA) started on October 1, 2013.<span style="mso-spacerun: yes;"> </span>I
have decided to write this letter to let the American people know what it has
been like for us.<span style="mso-spacerun: yes;"> </span>We are a family of
four, with two little boys’ ages seven years old and three years old. <span style="mso-spacerun: yes;"> </span>My husband and I have had full time jobs for
6 years and 13 years respectively.<span style="mso-spacerun: yes;"> </span>We
have been with the same two companies for those years.<span style="mso-spacerun: yes;"> </span>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.<span style="mso-spacerun: yes;"> </span>We have
coverage through Individual Blue from Blue Cross Blue Shield of Alabama until
12/31/13. Our premiums have been <b style="mso-bidi-font-weight: normal;">$380.00</b>
a month, which also included dental coverage for all four of us.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="text-indent: .5in;">
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.<span style="mso-spacerun: yes;">
</span>When I opened our letter to say I had sticker shock was an
understatement.<span style="mso-spacerun: yes;"> </span>Our premiums for the
Blue Saver Silver would now be <b style="mso-bidi-font-weight: normal;">$753.26</b>.
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.<span style="mso-spacerun: yes;"> </span>So we would need to pay <b style="mso-bidi-font-weight: normal;">total $828.26</b> to keep health and dental insurance for the four of
us.<span style="mso-spacerun: yes;"> </span><i style="mso-bidi-font-style: normal;">This
payment is roughly $64.00 less than what we pay for our mortgage each month</i>.<span style="mso-spacerun: yes;"> </span>I was outraged that anyone thought we could
afford this.<span style="mso-spacerun: yes;"> </span>Sure we have some savings,
but with that price tag we would whittle it down to almost nothing very
quickly.<span style="mso-spacerun: yes;"> </span>I consider savings as a rainy
day fund, a start to saving for the kid’s college, our retirement, etc.<span style="mso-spacerun: yes;"> </span>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?<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="text-indent: .5in;">
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.<span style="mso-spacerun: yes;"> </span>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.<span style="mso-spacerun: yes;"> </span>My son
has to go to his doctor every other month for his care.<span style="mso-spacerun: yes;"> </span>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. <span style="mso-spacerun: yes;"> </span>He is also on
medication that he takes daily.<span style="mso-spacerun: yes;"> </span>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.<span style="mso-spacerun: yes;"> </span>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.<span style="mso-spacerun: yes;">
</span>He is a straight A student and very bright, but without the proper
medical care that could slip away from him.<span style="mso-spacerun: yes;">
</span>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. <span style="mso-spacerun: yes;"> </span>Out of pocket max numbers are $6,350
individual and $12,700 family.<span style="mso-spacerun: yes;"> </span>All of
this is enough to make anyone’s head spin.<span style="mso-spacerun: yes;">
</span>We were then forced to look at other options as none of this was
affordable for our family. </div>
<div class="MsoNormal">
<span style="mso-tab-count: 1;"> </span></div>
<div class="MsoNormal">
<span style="mso-tab-count: 1;"> </span>I
started to dig deeper into healthcare.gov.<span style="mso-spacerun: yes;">
</span>I was hearing all the horror stories through the news about the subpar
website.<span style="mso-spacerun: yes;"> </span>I was reading right off their
healthcare.gov Facebook page about other people’s terrible experiences trying
to get coverage.<span style="mso-spacerun: yes;"> </span>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.<span style="mso-spacerun: yes;">
</span>They had already had three years to make this happen but they said would
need the month of November to get it running right.<span style="mso-spacerun: yes;"> </span>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. </div>
<div class="MsoNormal">
<span style="mso-tab-count: 1;"> </span></div>
<div class="MsoNormal">
<span style="mso-tab-count: 1;"> </span>December
6, 2013 I went to healthcare.gov and started our application.<span style="mso-spacerun: yes;"> </span>The process took me over two hours to
complete.<span style="mso-spacerun: yes;"> </span>Once it was completed it came
back with our results.<span style="mso-spacerun: yes;"> </span>The results were
that my husband and I qualified.<span style="mso-spacerun: yes;"> </span>That my
three year old qualified for All Kids and that my seven year old did not
qualify for anything through the exchange (ACA).<span style="mso-spacerun: yes;"> </span>I was so confused, how could a seven year old
not qualify for a subsidy?<span style="mso-spacerun: yes;"> </span>I was also
confused on why they wanted me to enroll one of my children in All Kids?<span style="mso-spacerun: yes;"> </span>So, I called the number they provided to
speak to a representative.<span style="mso-spacerun: yes;"> </span>I was on hold
for 20 minutes when a woman answered and offered to help me with the
results.<span style="mso-spacerun: yes;"> </span>She told me that it is coming
back that my seven year old son did not qualify and the only thing I could do
was to file an appeal.<span style="mso-spacerun: yes;"> </span>I asked her a few
more questions about how this could have happened, and I was told “she does not
know and that all I can do is file an appeal”.<span style="mso-spacerun: yes;">
</span>She was reading her responses to me right off of a chart that I am sure
they are given.<span style="mso-spacerun: yes;"> </span>So, I ended my
conversation with her and proceeded to try to wrap my head around what was
happening.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="text-indent: .5in;">
I decided to call back, this time I
waited 15 minutes and spoke to a very nice gentleman who seemed to have an
understanding for how the system was working.<span style="mso-spacerun: yes;">
</span>He looked up the results and said “this can’t be right, let’s start over
and do an application over the phone”.<span style="mso-spacerun: yes;">
</span>So again I went through the application process.<span style="mso-spacerun: yes;"> </span>The results came back the exact same, we all
qualified for something except my seven year old son.<span style="mso-spacerun: yes;"> </span>The gentleman could not understand how this
could be happening and assured me it had to be a “glitch” in the system.<span style="mso-spacerun: yes;"> </span>He placed me on hold so he could speak with
his supervisor on how to fix this error.<span style="mso-spacerun: yes;">
</span>I waited several minutes and when he came back he said “there was
nothing more they could do tonight”.<span style="mso-spacerun: yes;"> </span>He
said “we are sending your application to two different departments and that one
of the departments would get back to me through a phone call with a fix to this
problem”.<span style="mso-spacerun: yes;"> </span>He also told me “it could take
2-5 days but that I would receive a phone call when they had closed my case”.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="text-indent: .5in;">
So I waited until Tuesday December
10, 2013, which was day four and called them back. <span style="mso-spacerun: yes;"> </span>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.<span style="mso-spacerun: yes;"> </span>So that is what I did, I waited till 9:00 pm
on that Friday December 13, 2013 with no phone call.<span style="mso-spacerun: yes;"> </span>I called Sunday December 15<sup>th</sup>,
2013 and spoke with my 3<sup>rd</sup> 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.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
<span style="mso-tab-count: 1;"> </span> </div>
<div class="MsoNormal">
So here
we are December 22, 2013, the day before the December 23<sup>rd</sup> deadline
to sign up through the Health Insurance Marketplace’s Exchange.<span style="mso-spacerun: yes;"> </span>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.<span style="mso-spacerun: yes;">
</span>I waited on hold for 1 hour and 15 minutes.<span style="mso-spacerun: yes;"> </span>I asked to speak with a supervisor and I was
transferred.<span style="mso-spacerun: yes;"> </span>The supervisor pulled my
file and was talking to me when she must have accidentally pressed a button and
we got disconnected.<span style="mso-spacerun: yes;"> </span>I thought for sure
she would call me back.<span style="mso-spacerun: yes;"> </span>That is one of
the first things they ask for is your phone number.<span style="mso-spacerun: yes;"> </span>I did not receive a call back, so I call back
and have to be placed on hold again to speak to someone.<span style="mso-spacerun: yes;"> </span>I waited another hour and a half before I get
connected with a supervisor.<span style="mso-spacerun: yes;"> </span>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”.<span style="mso-spacerun: yes;"> </span>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”.<span style="mso-spacerun: yes;"> </span>I just have to wait the 90 days.<span style="mso-spacerun: yes;"> </span>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”?<span style="mso-spacerun: yes;">
</span>She said “yes that is correct, I am sorry you have been told something
different but that is all I can tell you”.<span style="mso-spacerun: yes;">
</span></div>
<div class="MsoNormal">
<span style="mso-tab-count: 1;"> </span></div>
<div class="MsoNormal">
<span style="mso-tab-count: 1;"> </span>I have
never been treated so poorly by any insurance company in my whole life.<span style="mso-spacerun: yes;"> </span>I have never experienced such terrible
customer service in all my years on this earth.<span style="mso-spacerun: yes;">
</span>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.<span style="mso-spacerun: yes;"> </span>Most companies can fix a glitch in their
systems pretty easily, or can connect you to someone who can.<span style="mso-spacerun: yes;"> </span>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.</div>
<div class="MsoNormal">
<span style="mso-tab-count: 1;"> </span></div>
<div class="MsoNormal">
<span style="mso-tab-count: 1;"> </span>What is
the most sickening thing to me is that we have been forced into the Health
Insurance Marketplace’s Exchange.<span style="mso-spacerun: yes;"> </span>We
wanted to continue our coverage through BSBC and pay as we always had been.<span style="mso-spacerun: yes;"> </span>But, we found out that option would not be
affordable under the new Act, which is how we were forced into the Exchange.<span style="mso-spacerun: yes;"> </span>Furthermore, not only were we forced into the
Exchange, but then forced again to submit an application to ALL Kids for our
children.<span style="mso-spacerun: yes;"> </span>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.<span style="mso-spacerun: yes;"> </span>I feel
like everything that my husband and I have worked hard for is for nothing.<span style="mso-spacerun: yes;"> </span>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.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="text-indent: .5in;">
I really don’t know how our
government can allow this to be taking place.<span style="mso-spacerun: yes;">
</span>What if something happens and one of my boys breaks an arm, or God
forbid something worse?<span style="mso-spacerun: yes;"> </span>They don’t have insurance,
so I guess we will then be paying the hospital monthly if that happens.<span style="mso-spacerun: yes;"> </span>We are almost completely debit 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. <span style="mso-spacerun: yes;"> </span>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.</div>
<div class="MsoNormal" style="text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="text-indent: .5in;">
Sincerely,</div>
<div class="MsoNormal" style="text-indent: .5in;">
Karri Kinder</div>
<div class="MsoNormal" style="text-indent: .5in;">
<br />
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<![endif]-->The Kinder'shttp://www.blogger.com/profile/03367989167049374014noreply@blogger.com37