heehhe.. More success stories. I'm getting all choked up here
-Geaux
snopes.com: Alabama Mom's Obamacare Horror Story
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?
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Saturday, January 4, 2014
An Update to My Open Letter to the Obama Administration and American Citizens
December 23rd 2013 is the day my life as I currently knew it changed. 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. I addressed it as An Open Letter to the Obama Administration and American Citizens. My hopes were for my family and friends to read my letter and understand what we were going through. I wanted them to know if they were going through it too - they were not alone. I knew it would be shared and I asked it to be shared. However I never could have dreamed it would travel in social media as far as it has to date.
First, I want to make sure there is no confusion - I am Karri Kinder who lives in Alabama. I did write that letter and I am also writing this letter. Every word of my letter is true. This is happening to countless Americans. I am now more convinced of that than I was when I wrote my letter. I have had so many people contact me with their own “Obama Care Horror Story” as some articles have named it. There were a number of other Americans just like us with such similar stories; it began to be quite eerie. I knew what I had done would spark conversation among the American people. I was speaking out and helping others to do the same. I was letting my children’s’ voices be heard, I was letting our story be told. But, as I realized I was also opening my family up to the court of public opinion too.
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. I could not understand it. 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. They are the only ones who have mattered through all this. They were the reason I wrote my letter – I needed to be their advocate. 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.
Again, everything in my previous letter was completely the truth. We were covered by Blue Cross Blue Shield (BCBS) of Alabama for $380.00 a month, including dental coverage. I wouldn’t even begin to know how to make up that number. That is what our plan cost and that is what I paid for the last 12 months. Everyone’s premiums are different; they fluctuate from state to state as well. 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. They also were telling their stories and sharing their premiums and confirming my numbers were not a lie. Their numbers were similar to ours. 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. But to us it wasn’t. It met our needs and wants in a health insurance plan. My child’s medical needs (he has ADHD) were being met. All of his care this past year had been covered at 100 percent. When we went to the doctor for his ADHD care, we never paid a co-pay. When we saw his therapist for his behavioral therapy we never paid a co-pay or received a bill for that either. 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. So, again for us our BCBS plan was meeting our needs.
An Open Letter to the Obama Administration and American Citizens