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


Welcome and thank you for stopping by. Please be aware and advised, this is a CONSERVATIVE BLOG.

 

Here is some information and my rules:

1) I do not like Liberal Ideology;

 

2) Conservatives have the voice of reason on my blog;

 

3) I will delete any comments that are abusive, non-related to the “blog theme” and not debated in a civil manner;

 

4) I welcome input from all walks of life.

 

However, this is my blog and I will make the “ultimate” decision on any/all comments.

I encourage “civil” discussion. We may not agree on “ideology”.

 

However, we can agree on “respect” and at least listening to different perspectives.

 

Thank you for visiting!

 

Reblogged from:http://www.ijreview.com/

 

Posted by:Emily Hulsey

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

 

Many of us can identify with the frustrating experience that Karri Kinder, a mother of two from Auburn, Alabama, has had with Obamacare. She penned this open letter to share her story. Shout-out to Yellowhammer News for the article:
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.
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.
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, I called the number they provided to speak to a representative. I was on hold for 20 minutes when a woman answered and offered to help me with the results. 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. 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”. She was reading her responses to me right off of a chart that I am sure they are given. So, I ended my conversation with her and proceeded to try to wrap my head around what was happening.
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. He looked up the results and said “this can’t be right, let’s start over and do an application over the phone”. So again I went through the application process. The results came back the exact same, we all qualified for something except my seven year old son. The gentleman could not understand how this could be happening and assured me it had to be a “glitch” in the system. He placed me on hold so he could speak with his supervisor on how to fix this error. I waited several minutes and when he came back he said “there was nothing more they could do tonight”. 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”. He also told me “it could take 2-5 days but that I would receive a phone call when they had closed my case”.
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

New ObamaCare Video Slammed by Gay Republican Group


Welcome and thank you for stopping by. Please be aware and advised, this is a CONSERVATIVE BLOG.

 

Here is some information and my rules:

1) I do not like Liberal Ideology;

 

2) Conservatives have the voice of reason on my blog;

 

3) I will delete any comments that are abusive, non-related to the “blog theme” and not debated in a civil manner;

 

4) I welcome input from all walks of life.

 

However, this is my blog and I will make the “ultimate” decision on any/all comments.

I encourage “civil” discussion. We may not agree on “ideology”.

 

However, we can agree on “respect” and at least listening to different perspectives.

 

Thank you for visiting!

 

Reblogged from:http://newsbusters.org

 

Posted by:Randy Hall

Just when it seemed that proponents of the Affordable Care Act couldn’t sink any lower, they’ve gone ahead and approved an offensive advertisement trying to get gay men to enroll in healthcare exchanges that has managed to get everyone disgusted.


The ad — which features muscular men dancing in colorful underwear and Christmas headgear as they tout the benefits of enrollment in insurance exchanges — was praised by Rep. Frank Pallone, a Democrat from New Jersey who said he supports “whatever it takes to get people enrolled.”

Participants in the two-minute video produced by the organization known as Out2Enroll sing a parody of the tune “Let It Snow,” which has new lyrics encouraging gays and lesbians to “Get Enrolled”:

Hope you’re stuffed from your Thanksgiving,
Now ’tis the season of giving.
‘Fore the doctor brings a lump of coal,
Get enrolled, get enrolled, get enrolled!
And when it’s time for resolutions,
A health insurance solution,
Don’t get left in the cold,
Get enrolled, get enrolled, get enrolled!
When you finally meet Mr. Right,
Never again will you be alone.
You’ll be glad you went to the site.
Together you’re a happy home.
Pre-existing conditions won’t stop ‘em.
New plans are better; can’t top ‘em.
Whether bronze, silver or gold,
Get enrolled, get enrolled, get enrolled!

It didn’t take long for leaders of the Log Cabin Republicans — self-described as the “only LGBT (Lesbian, Gay, Bisexual and Transgender) advocacy organization on the ObamaCare Repeal Coalition,”  to issue a statement on Sunday denouncing the video for “exploiting gay stereotypes.”

“This cynical ad betrays the depths ObamaCare advocates will sink to in order to pad their pathetic enrollment numbers,” executive director Gregory Angelo declared. “As a self-proclaimed ‘fierce advocate’ of gay equality, President Obama would do well to distance himself from this nonsense and denounce it immediately.”
Angelo then noted:

This ad is also an example of the left promoting harmful stereotypes that gay men are nothing more than sex-crazed lechers. If anyone on the right made such a comparison, liberals would be apoplectic.
At a time when left-wing propagandists are
decrying Duck Dynasty‘s Phil Robertson for equating homosexuality with promiscuity and deviance, Out2Enroll and others should take a look in the mirror and ask if the truth is that they are the ones responsible for promoting such harmful stereotypes.

Then on Monday morning, MSNBC Live anchor Craig Melvin played a clip of the controversial video and asked for Pallone’s response to it.

“Whatever it takes to get people enrolled,” the New Jersey Democrat said before attacking Chris Christie, the Republican governor of his state, for not using more of the $7.5 million allocated to promoting the ACA and driving up enrollment.
“At this point, whether it’s an ad, whether it’s, you know, TV ads, or newspaper ads, or people going door to door, I just want people to sign up because the more people that sign up, the larger the insurance pool, and the more likely it is that the insurance becomes affordable,” he noted.
“So I’m not going to prejudge what types of ads are being promoted,” Pallone added. “The main thing is to get people signed up.”
As NewsBusters has previously reported, this is far from the first time that advocates of ObamaCare have crossed the line between good and bad taste.
The first instance took place in Colorado during the month of October, when an ad targeting young men promoted “brosurance” because “Keg stands are crazy. Not having health insurance is crazier. Don’t tap into your beer money to cover those medical bills. We got it covered. Now you can, too! Thanks, ObamaCare!”
Just one month later,
an ad focused on young women was hammered for portraying them as “cheap sluts who don’t care about their health or well-being other than getting cheap birth control pills to have sex with strange men.”
And in December, ACA proponents released a display ad containing a
photo of a grown man in children’s pajamas holding a cup of hot chocolate. The text on the ad stated: “Wear pajamas. Drink hot chocolate. Talk about getting health insurance.” Ethan Krupp soon became known as “PajamaBoy”.
Before long, Krupp became the target of jokes from both sides of the political aisle. While some people considered him an “emblem” of people who are not white, others declared him “one of the whitest people on the planet.”
Who knows what kind of misfire the next promotion of ObamaCare will contain? It’s impossible to guess, so check back on this site regularly for coverage of the ACA defenders’ latest stumble. One thing is for certain: You won’t hear much about such ridiculous ads in the self-proclaimed mainstream media.

Read more: http://newsbusters.org/blogs/randy-hall/2013/12/25/new-obamacare-video-slammed-gay-republican-group-praised-new-jersey-demo#ixzz2ogs1AFNo

 

Ten Broken Obamacare Promises


Welcome and thank you for stopping by. Please be aware and advised, this is a CONSERVATIVE BLOG.

 

Here is some information and my rules:

1) I do not like Liberal Ideology;

 

2) Conservatives have the voice of reason on my blog;

 

3) I will delete any comments that are abusive, non-related to the “blog theme” and not debated in a civil manner;

 

4) I welcome input from all walks of life.

 

However, this is my blog and I will make the “ultimate” decision on any/all comments.

I encourage “civil” discussion. We may not agree on “ideology”.

 

However, we can agree on “respect” and at least listening to different perspectives.

 

Thank you for visiting!

 

Reblogged from:http://www.heritage.org

 

Posted by:Alyene Senger

Since the passage of Obamacare in 2010, many of the President’s famous promises have been routinely broken. As he so ironically threatened in 2009, “If you misrepresent what’s in this plan, we will call you out.”[1] To that end, here are 10 promises of Obamacare that have already proved to be broken.

Promise #1: “If you like your health care plan, you’ll be able to keep your health care plan, period.”[2]

Reality: Millions of Americans have lost and will lose their coverage due to Obamacare.

Obamacare has significantly disrupted the market for those who buy coverage on their own by imposing new coverage and benefit mandates, causing a reported 4.7 million health insurance cancelations of an existing policy in 32 states.[3]

For those with employer-sponsored insurance in the group market, the Congressional Budget Office (CBO) projects that 7 million fewer people will have employment-based insurance by 2018.[4]

Moreover, the Administration itself has admitted that employers would not keep their existing health plans. Federal regulations written in 2010 estimated that 51 percent of small and large employers would lose their “grandfathered status” by 2013—meaning a majority of employers would not keep their existing health plans.[5]

Promise #2: “[T]hat means that no matter how we reform health care, we will keep this promise to the American people: If you like your doctor, you will be able to keep your doctor, period.”[6]

Reality: Many Americans might not be able to keep their current doctor without paying extra.

Many plans offered on Obamacare’s exchanges have very limited provider networks, decreasing the chances consumers will be able to keep their current doctor without paying more money.[7] Furthermore, many Americans who purchase coverage on their own have had their existing health plans changed or canceled due to Obamacare, resulting in some people being unable to keep their current doctors without paying additional money to do so.

Due to the significant payment reductions included in Obamacare, seniors with Medicare Advantage plans may be forced to find new doctors. The largest provider of these plans, UnitedHealth, has recently reduced its provider networks in several states.[8]

Promise #3: “In an Obama administration, we’ll lower premiums by up to $2,500 for a typical family per year.”[9]

Reality: Premiums for people purchasing coverage in the individual market have significantly increased in a majority of states.

A Heritage analysis shows that, on average, consumers in 42 states will see their premiums in the exchanges increase, many by over 100 percent.[10]

For people with employer-sponsored coverage, costs also continue to increase. For families, premiums from 2009 to 2013 have increased by an average of $2,976.[11]

Promise #4: “[F]or the 85 and 90 percent of Americans who already have health insurance, this thing’s already happened. And their only impact is that their insurance is stronger, better and more secure than it was before. Full stop. That’s it. They don’t have to worry about anything else.”[12]

Reality: Obamacare imposes certain new benefit mandates on those with employer-sponsored coverage—a majority of Americans.

These mandates increase the cost of coverage. In fact, federal regulations written in 2010 assumed “that the increases in insurance benefits will be directly passed on to the consumer in the form of higher premiums. These assumptions bias the estimates of premium changes upward.”[13]

But higher premiums not only cost people more money; they have other impacts on coverage as well. For instance, as a response to the direct cost increases associated with Obamacare, UPS dropped coverage for spouses of employees if they are offered coverage through their own employers.[14]

Promise #5: “Under my plan, no family making less than $250,000 a year will see any form of tax increase.”[15]

Reality: Obamacare contains 18 separate tax hikes, fees, and penalties, many of which heavily impact the middle class.

Altogether, Obamacare’s taxes and penalties will accumulate over $770 billion in new revenue over a 10-year period.[16] Among the taxes that will hit the middle class are the individual mandate tax, the medical device tax, and new penalties and limits on health savings accounts and flexible spending accounts.[17]

Promise #6: “I will not sign a plan that adds one dime to our deficits—either now or in the future.”[18]

Reality: Obamacare’s new spending is unsustainable.

Obamacare was passed into law relying on a wide variety of unrealistic budget projections. A more realistic assessment reveals that it will be a multi-trillion-dollar budget buster. The Government Accountability Office (GAO) estimated the cost of Obamacare over the long term if certain cost-containment measures were overridden. Under that alternative scenario, which assumes that “historical trends and policy preferences continue,” the GAO found that Obamacare would increase the primary deficit by 0.7 percent of gross domestic product (GDP).[19]

Senator Jeff Sessions (R–AL) and the Senate Budget Committee staff, who commissioned the GAO report, translated the 75-year percentage estimate into today’s dollar amount, which would be $6.2 trillion over the next 75 years.[20]

Promise #7: “[W]hatever ideas exist in terms of bending the cost curve and starting to reduce costs for families, businesses, and government, those elements are in this bill.”[21]

Reality: Health spending is still rising and is projected to grow at an average rate of 5.8 percent from 2012 to 2022.[22]

While growth in health spending has been slower recently compared to the past, that is largely due to the sluggish economic recovery. Indeed, Obamacare’s new entitlements will help drive greater health spending in 2014 and beyond.[23]

Promise #8: “I will protect Medicare.”[24]

Reality: Obamacare cuts Medicare spending.

Obamacare makes unprecedented and unrealistic payment reductions to Medicare providers and Medicare Advantage plans in order to finance the new spending in the law. The cuts amount to over $700 billion from 2013 to 2022.[25] If Congress allows these draconian reductions to take place, it will significantly impact seniors’ ability to access care.[26]

Promise #9: “I will sign a universal health care bill into law by the end of my first term as president that will cover every American.”[27]

Reality: Millions of Americans will remain uninsured.

Despite spending nearly $1.8 trillion in new spending from 2014 to 2023, the law falls far short of universal coverage. Indeed, Obamacare is projected by the CBO to leave 31 million uninsured after a decade of full implementation.[28]

Promise #10: “So this law means more choice, more competition, lower costs for millions of Americans.”[29]

Reality: Obamacare has not increased insurer competition or consumer choice.

In the vast majority of states, the number of insurers competing in the state’s exchange is actually less than the number of carriers that previously sold individual market policies in the state.[30] And at the local level, for 35 percent of the nation’s counties, exchange enrollees will have a choice of plans from only two insurers—a duopoly. In 17 percent of counties, consumers will have no choice—a monopoly—as only one carrier is offering coverage in the exchange.[31]

—Alyene Senger is a Research Associate in the Center for Health Policy Studies at The Heritage Foundation.

 

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