A story that is becoming all too common across America now as families struggle to make sense of the insanity that surrounds every aspect of Obamacare.

A family quite literally being torn apart financially by the Obamacare mandates…

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(via Independent Journal)

Alabama Mom’s ObamaCare Horror Story Gives America a Glimpse of Government-Run Healthcare

An Open Letter to the Obama Administration and American Citizens:

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.

In 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.

…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.

…December 6, 2013 I went to healthcare.gov and started our application. The process took me over two hours to complete. Once it was completed it came back with our results. The results were that my husband and I qualified. That my three year old qualified for All Kids and that my seven year old did not qualify for anything through the exchange (ACA). I was so confused, how could a seven year old not qualify for a subsidy? I was also confused on why they wanted me to enroll one of my children in All Kids? 

…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. 

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