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An Obamacare supporter recounts his misadventures dealing with HealthCare.gov
The Daily Caller ^ | January 14, 2014 | Steve Frieez

Posted on 01/14/2014 4:12:40 AM PST by Cincinatus' Wife

As we hoisted champagne flutes in the first seconds of 2014, my partner and I toasted all the usual things people do as they look ahead to the coming year. Health. Happiness. Love. Optimism. Hope.

To that traditional list, we added one more: Obamacare. My husband, Miles, was enrolled in what appeared to be an excellent, affordable plan at the stroke of midnight. Celebration seemed in order.

It had been a tough slog, of course. We’d worried the GOP would succeed in defunding it or undermining it in some other way that would put affordable coverage further out of our reach. Then we’d wrestled with that horrific website, struggled to understand the choices before us and waited nervously after we did so to see if the insurance card would actually materialize. It did.

On Jan. 1, we rejoiced. And on Jan. 10, we gave up.

Ten days in, we decided to cancel Miles’ Obamacare plan, swallow hundreds of dollars we’ll probably never recover and buy him a private policy away from the Federal Health Insurance Exchange Marketplace. His new plan does benefit from many requirements of the Affordable Care Act as well, so that’s good.

But even the administrators at Obamacare’s headquarters have agreed this is the best option. Really.

That’s not how it was supposed to be. After dozens of hours of phone calls that displaced my usual work obligations this week, only one thing is clear: Nobody can give anybody a straight or consistent answer to anything.

Our troubles may strike some as trivial and particular, although they wouldn’t if it happened to them. And anyone who wants a successful system – as we do – must understand that these nightmares are happening across the nation to the very people who want Obamacare to work.

Most just don’t have a way to tell the world.

In the summer of 2013, Miles and I, both 41 years old, quit our jobs in Washington. Miles was a producer at WJLA, the ABC affiliate in Washington D.C., but he longed to return to school for a new degree and a different career. I was at POLITICO realizing that my life as a freelance journalist was far more engaging, empowering and lucrative than chronicling the petty, overly intertwined worlds of D.C. politics and journalism.

Even a year earlier, it would have been unthinkable for Miles to walk away from a proper job. He has pre-existing conditions. None are life-threatening or unmanageable, but one requires expensive medication.

This is one of the promises of Obamacare we most appreciated, the idea that unshackling health decisions from employment can liberate people to leave unsatisfying jobs and engage their entrepreneurial sides. How many people have been prevented from pursuing careers that would make them more productive and passionate out of fear that a health calamity could ruin them?

Obamacare helped to embolden Miles to change his life. It is why we left Washington and headed back to the Midwest, a region we came to love while I had an academic fellowship at University of Michigan in 2011 and 2012. I wanted to freelance, write books and teach, and he wanted to go back to school.

We made our move when we did because the academic year was coming, figuring we could shoulder a few months of COBRA coverage for Miles – about $420 a month – until Obamacare began.

(With no important pre-existing conditions, I got a very good private plan right away through Aetna for about $210 a month. It’s evidently Obamacare-compliant, because I liked my plan and, as the applause line goes, I was able to keep it.)

Shortly after midnight on Oct. 1, we hopped onto healthcare.gov to see what the federal exchange had for Miles. As you may have heard, that didn’t go so well. When I wrote about that first-day misadventure of glitches and unhelpful phone assistance for New York Magazine, my liberal friends attacked me for judging too soon and providing anti-Obamacare fodder to the haters.

But to us, this really is not about politics. It’s about our lives. Miles and I support health reform because we believe that, executed correctly, it can liberate people to pursue their highest and best purposes. As recently as a week ago, that was the angle of a piece I pitched to Time.Com, where I regularly contribute.

And then Jan. 3 happened.

We struggled with the healthcare.gov website for months. Every so often, we’d return to find Miles’ application for eligibility stuck in some “pending” netherworld. The Phone People said to wait a few weeks and try again. Nothing ever happened, except that the site said at varying times the application was “in progress” or “incomplete.” I lost count of how many times I re-entered the same information because some Phone Person told me to try that.

The deadline to sign up was Dec. 23, so by Dec. 20 we were frantic. I finally broke down and called the Obamacare navigators in our region, the folks supposedly deputized to guide helpless souls to the finish line. Only two of the five I reached out to even responded, one to say she’d be on vacation for the rest of the year (?!?) and the other to say she was booked solid with other desperate customers. I guess we were supposed to know that the website would never, ever work and plan ahead for that.

The second lady did help, though. She suggested we create a whole new account for Miles because the old one, created in the earliest days of the troubled site, might be corrupted and stuck in some digital purgatory. I did that — and, gosh darn it, it worked. Well, sort of.

It turned out that Miles, despite planning to be a student and not expecting to have much income, did not qualify for any subsidy. We received a document supposedly explaining why, but it looked like this to us:

We kept asking the Phone People why. They suggested we download it again or log out and log in again or wait an hour and try again or reboot our computers. I was surprised nobody recommended a little club soda.

On Dec. 21, with two days to go, we shrugged off the perplexing notion that the ACA actually does not provide help for people who have low incomes. Maybe we could figure out an appeal or, perhaps, our accountant could figure it out later.

Subsidy or no, Obamacare offered Miles a seemingly terrific deal: $246 a month for health insurance with a $1,650 deductible through the Blue Care Network, a Michigan subsidiary of Blue Cross Blue Shield. This was comforting; Miles’ COBRA policy from his WJLA job was under BCBS and our coverage at University of Michigan was under Blue Cross Blue Shield of Michigan. His doctor was in the plan, the price was good, the benefits and co-pays seemed adequate. At long last, he had his coverage. Done.

We should’ve known new problems lurked, but it was Christmas and we wanted to be merry. Then, on Dec. 27, I realized the $30 per month dental plan I chose for Miles offered no dentists within a 20-mile radius of our home. When I ventured back into the morass of healthcare.gov to pick another one, the site wouldn’t let me. A Phone Person explained that if I changed the dental plan, it would also invalidate Miles’ medical plan, too, and he wouldn’t be able to start any coverage until Feb. 1. I left the dental plan as it was; the Phone Person told me I could come back in January and change it.

The Phone Person lied. They lie a lot. And this would become very important later.

Three days into 2014, Miles took his Obamacare out for its maiden drive. His stop at the doctor went fine. At the pharmacy, it crashed.

His medication — which has cost us a co-pay of between $10 and $30 under every other plan he’s had since 2004 including one under Blue Cross Blue Shield of Michigan — would not be covered. At all.

That’s $438 out of pocket. Every month. And it won’t even go against the plan deductible.

In other words, this nifty $246 Obamacare plan would actually cost $686 a month.

Miles put the $438 on a credit card, all the while wondering what someone without a credit card would have done in the face of going without important medication. He, like most Americans, assumed the insurer’s word, via the pharmacist, was final. Also, it was late on a Friday, a blizzard and epic cold snap bore down on us and he couldn’t know when he’d be able to go get it again.

The Pollyanna in me was sure this was some mistake. We spent a lovely weekend watching the snow pile up, confident that the matter would be handled in a call or two whenever business resumed after the storm and polar vortex.

Instead, it turned out to be all I did all last week. My work deadlines got pushed back, interviews rescheduled, emails unreturned. Day after day, I found myself on lengthy calls with countless Phone People trying to understand why this very common medication, covered under every plan Miles has ever had, was now about to become a significant monthly expense. Every time I hung up believing I understood something, it would be contradicted by something else in my notes or some lapse in logic. So I’d call again, and I’d get some other Phone Person who would blindfold me, spin me around a few more times and let me grope for the donkey’s tail yet again.

One thing remained consistent: Miles’ medication was not in the “formulary” anymore. I’d never heard that term, either, but it’s the document in which insurers state what they will cover and at what level.

From there, the situation made progressively less sense. The Obamacare Phone People offered no information or explanation, only a mild scolding that I should have checked the formulary before I signed Miles up for this plan. They couldn’t have been nicer — or more useless.

The Blue Care Phone People, however, were aggressively obnoxious and unhelpful. Time and again, they came up with different answers I would later learn to be wrong: that Miles had exceeded his lifetime limit of a component of the medication (creative, but false), that the Affordable Care Act forced the medication off the formulary (mostly false), that the FDA had pulled the medication from use (made up out of thin air), that no insurer was allowed to cover it anymore (big fat lie).

One Blue Care Phone Lady read off a list of other medications for the same condition that the doctor could prescribe, including the same medication in a different form. That was a possibility, but that wasn’t what Miles’ doctor wants him to take.

Much more troubling than the fact that we received so much worthless and conflicting information was that there was nobody to appeal to, nobody to trust.

For days, I attempted to obtain a credible, consistent answer as a “normal” person. Then, realizing how futile that was, I contacted the public relations offices of both Blue Care Network and the Centers for Medicare and Medicaid Services, the Health and Human Services division administering the Affordable Care Act. I explained I was chronicling this experience because thousands of people must be encountering similar frustrations.

The CMS folks promised to gather the information I requested, and I did get some. I sent one spokeswoman the illegible eligibility document that showed only pages of weird symbols; she opened it on her computer just fine. I sent her screenshots of what I saw, she acknowledged that this was weird and faxed me the actual document. It did explain that Miles didn’t qualify for a subsidy because his expected student income was so low that he should apply for Medicaid. That seems like an easy enough, perhaps even reasonable, answer. Why couldn’t any of the many Obamacare Phone People have told us that? And is it really possible I was the only one having trouble opening the document properly?

Nobody from Blue Care Network responded to my request for information or an interview.

When the Blue Care Phone People claimed the FDA and/or Obamacare had banned this form of Miles’ medication, I became skeptical. If that had been so, it would’ve been a gigantic medical news story given the millions who take this medication, but it wasn’t. So I logged onto my Aetna account to check if my policy covered it. I learned it was considered generic and would cost not $438 but a whopping $15. Huh. I called Aetna; a Phone Person confirmed this. Their “formulary” still included the drug. We were more baffled than ever.

Aetna had plans on the federal marketplace as well, so I returned to HealthCare.gov to seek out a different plan for Miles. The site, however, incorrectly — surprise! — believed Miles hadn’t yet enrolled in the plan he was in.

Thus, I found myself back on the line with an Obamcare Phone Person. This time, however, I was told that once someone is enrolled in a plan via the marketplace, they cannot change it until the next open enrollment period in November. The only time to change plans, I learned, was before we paid the first premium.

This was news. In late December, remember, I had asked about changing the dental plan. I had been told then that I couldn’t do so without canceling the medical plan as well and postponing coverage to February. All we could do, they said, was cancel our plans. We were stuck.

All of this was passed along to CMS’s publicists, who vowed repeatedly to provide answers. They promised, that is, until they changed their minds. On Wednesday, I received some boilerplate information and a note: “Unfortunately, nobody is available for an interview.” The material they sent was clearly cut-and-pasted off HealthCare.gov – an explanation of why we couldn’t change our plans and how we should have known that this common medication would not be covered in our plan. There was a line in there about a three-day appeals process when a medication is denied; this was the first time in countless phone calls or emails that anyone even suggested there was such a process. Shouldn’t that have been the first thing the Obamacare Phone People said?

It was time to get out of the Obamacare fun house.

Our math had changed. Initially we hoped to get Miles a plan for less than the $421 cost of his COBRA. Now Miles was stuck in an Obamacare plan for $246 plus $438 out of pocket for his medications. Anything less than $690 a month was now a bargain.

Miles hadn’t been able to get covered independently in 2013 because of his pre-existing conditions, but the ACA now prohibits that exclusion. And I knew from earlier research that Aetna covers his medication. So I called Aetna. They had an excellent plan for Miles for $335 a month that we could start in February. It was outside the federal exchange and wasn’t eligible for any subsidies but, at this point, so what?

Knowing this restored a modicum of confidence in the ACA. Without it, Aetna wouldn’t — as we learned in 2013 — offer Miles any plan at all. So we were grateful, at least, for that.

But I still needed answers, so we held off on signing on with Aetna. Why did Aetna cover the drug but Blue Care didn’t? Why didn’t Blue Care cover the drug when every other Blue Cross Blue Shield plan Miles had had did? Why were we told we couldn’t change the dental plan and still have coverage on Jan. 1? How do we cancel our Obamacare plan?

After CMS’s no-comment email, I offered a respectful but pointed reply: “Thanks for trying. This system, which I toasted on Jan. 1 and had such high hopes for, is unraveling. I hope you understand that. If you with your access can’t obtain actual answers to these very common problems, there is no hope for it.”

That actually dislodged something. The next morning, Tony Dawson, a specialist from CMS’s Center For Consumer Information and Insurance Oversight division called. He listened to the whole story. His conclusion was startling: He agreed that our best course would be to dump our Obamacare plan and buy the Aetna one.

Dawson was sympathetic and, dare I say, honest. He reiterated that we couldn’t change plans in the exchange, but he said he would see about getting special permission to switch dental plans because I had tried before the deadline and had received incorrect information.

He also offered a plausible answer to the mystery of the formulary. Insurers write their own formularies. Neither the FDA nor the Affordable Care Act forced them to remove this medication. It was likely, however, that Blue Care made the change in part during negotiations with CMS regarding what plans would be made available on the exchange.

Dawson said he would find out why the drug had been dropped. I asked how fast he could do so; he said it would take a quick email. I explained I had a Jan. 15 deadline to enroll Miles with Aetna and be covered for February.

The most refreshing part of the conversation with Dawson was his acknowledgement that normal people, buying health insurance, usually don’t think to request the formulary to check on whether a common drug is covered. The boilerplate material that had been provided by CMS suggested the formulary had been easily accessible when we were browsing for plans, but I went back and saw that it actually is still not available on HealthCare.gov. (In mid-December, Forbes writer Scott Gottlieb wrote that the formularies were usually not available as people chose their plans, and he warned people with certain chronic conditions in need of expensive medication might face sticker shock at the pharmacy.)

Anyhow, Dawson promised to get back to me, and he did. He called Monday to confirm this form of the medicine wasn’t covered and our best choice was, in fact, to dump our plan.

On Jan. 10, I signed Miles up for the Aetna plan and called Blue Care to cancel. A Phone Person said they can’t do it, that policies created through the exchange had to be canceled through the exchange.

I called the Obamacare line. This Phone Person apologized at the outset because the “system is down,” so he wouldn’t be able to access Miles’ account. Nonetheless, how could he help me?

“We want to cancel this policy,” I told him.

“Oh, we can’t do that,” he said.

“You what?”

“I can’t cancel policies,” he said. “I suggest you call the insurance company. They’re the only ones who can do it.”

“But they just told me to call you.”

“I’m sorry, that’s not something we can do here.”

I know it’s rude, but I just hung up without saying goodbye. It was all I could do to avoid saying something cruel and regrettable to a poor soul who may or may not be right.

I figured if Dawson ever called me back, maybe he could straighten this out. Otherwise, Blue Care will drop us sooner or later when they realize we’re not giving them our money anymore.

Some may boil our misadventures down to its core, a bratty dirge by privileged whiners who don’t even need Obamacare and are sore they couldn’t get their medication covered. But that’s just it — we, too, need and want more affordable health care. We are precisely the kind of folks they need to make these exchanges work. If it’s all poor, very sick people, Obama can kiss his legacy goodbye.

What’s more, we have the time and initiative to dig for answers. As journalists, we could tap on the shoulders of people who ought to know, but that failed, too. Even with the looming prospect of being subject to this sort of publicity, nobody could give us complete, prompt or useful information. How are people who don’t badger public figures for a living, people who have no other option than to contend with Phone People, supposed to work it out?

But this isn’t merely a failure of government — though it is that. It’s also a failure of the private sector in the form of the insurance industry. They’ve received an unbelievable gift, a government-backed money-minting machine on an epic scale. Nobody really likes them, either. This is their chance, too. And their Phone People are no better despite being significantly more experienced. Their media spokespeople were even less responsive than the government’s, and that’s a pretty low bar.

Come November, we’ll check back and see what Obamacare plans are available for 2015. We want the ACA to work; the previous status quo certainly did not.

Right now, though, it’s time to move on. It’s easy to shrug that these are the expected growing pains of a massive new system. That’s probably true. But in real time, it is destructive to our finances and potentially bad for our health.

The president promised a system that would make obtaining insurance as easy as buying a book on Amazon.com. Instead, he gave us – so far, anyhow – one that’s about as easy as getting the NSA to stop listening to our phone calls.


TOPICS: Crime/Corruption; Culture/Society; Front Page News; Government
KEYWORDS: aca; fagots; healthcare; obamacare; obamacareanecdotes; poofters; queers; whiners
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1 posted on 01/14/2014 4:12:41 AM PST by Cincinatus' Wife
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To: Cincinatus' Wife

I reported this problem on FR yesterday. The ONLY way to stop the other plan from auto-deducting from your account it to move your account to a different and unrelated bank.


2 posted on 01/14/2014 4:15:26 AM PST by Gen.Blather
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To: Cincinatus' Wife
YOU WANTED IT..NOW EAT IT..see what he finds inside footlocker at the 2:52 mark..

http://www.youtube.com/watch?v=5NP8y63Ms4o

3 posted on 01/14/2014 4:23:05 AM PST by Paul46360
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To: Cincinatus' Wife

Steve’s “husband” Miles.

Couldn’t read any further, queers disgust me.


4 posted on 01/14/2014 4:23:10 AM PST by Graybeard58 (_.. ._. .. _. _._ __ ___ ._. . ___ ..._ ._ ._.. _ .. _. .)
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To: Paul46360

OOPPPSSS at the 1:10 mark


5 posted on 01/14/2014 4:23:55 AM PST by Paul46360
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To: Cincinatus' Wife

The Leftist media is loaded with homosexuals.


6 posted on 01/14/2014 4:25:30 AM PST by txrefugee
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To: Cincinatus' Wife

“We’d worried the GOP would succeed in defunding it or undermining it in some other way that would put affordable coverage further out of our reach.”

1. It’s scary to think people actually believe that.

2. I stopped reading after the first 20 sentances but something tells me this woman never gave the GOP any credit for trying to warn her and stop this mess. All she does is lament her and her husband’s current situation.

Have another glass of champagne dumbass, we tried to warn ya but noooooooooooooooooooo the evil Republicans............................You deserve what’s happening to you.


7 posted on 01/14/2014 4:27:18 AM PST by V_TWIN
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To: Cincinatus' Wife

” My husband, Miles”

So Steve is the wife?


8 posted on 01/14/2014 4:31:59 AM PST by MNDude
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To: Graybeard58

There is good information in this saga.

If nothing else, you can see how any numbers put out by the government must be lies.


9 posted on 01/14/2014 4:33:16 AM PST by Cincinatus' Wife
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To: V_TWIN
I stopped reading after the first 20 sentances but something tells me this woman never gave the GOP any credit for trying to warn her and stop this mess. All she does is lament her and her husband’s current situation.

The author's name is Steve and he's talking about his "husband", not her husband.

10 posted on 01/14/2014 4:36:01 AM PST by Graybeard58 (_.. ._. .. _. _._ __ ___ ._. . ___ ..._ ._ ._.. _ .. _. .)
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To: Graybeard58

If your intention is to turn off readers STOP!

The information in this article applies to everyone.


11 posted on 01/14/2014 4:37:35 AM PST by Cincinatus' Wife
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To: Cincinatus' Wife

One thing remained consistent: Miles’ medication was not in the “formulary” anymore. I’d never heard that term, either, but it’s the document in which insurers state what they will cover and at what level.


Well, at least it covers birth control. So they have that. ;-)


12 posted on 01/14/2014 4:38:34 AM PST by cuban leaf
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To: V_TWIN

The part of the article I found most odd was how the wife had to do all the insurance calls and dickering for the husband. I have to wonder why he can’t actually take care of himself. What a batch of pathetic whiners. They wanted something for nothing, and merely got nothing for something as one should expect with such a desire.

Of course the article still ends with their fervent belief in unicorns and pixie dust solutions intact. What utter morons.

Oh, and it’s the insurance companies’ fault.


13 posted on 01/14/2014 4:39:41 AM PST by drbuzzard (All animals are created equal, but some are more equal than others.)
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To: Cincinatus' Wife

Two points:
1. Decoding the text indicates that one of these two has HIV, probably caused by their life style and celebrated by this Administration which scolds for a wide variety of other unhealthy behavior so the additional cost of medications is likely self inflicted. 2. I wonder if Tony Dawson is now unemployed for giving a straight answer to dump the ACA for a private plan.


14 posted on 01/14/2014 4:42:53 AM PST by Truth29
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To: V_TWIN

Gee, the poor little fags are upset because the joint cost of drugs and medical insurance is going to cost him 600 a month. That is what I pay for my individual group plan which my employer pays 40% of the cost. These jerks are blissfully ignorant of what their former employer was paying on their behalf. Worse, they have the temerity to believe that it is the government’s (taxpayers) responsibility to pay for their healthcare so they can pursue their life’s dreams. Sorry sucker, go to work and get your healthcare on your dime, not mine.


15 posted on 01/14/2014 4:43:49 AM PST by Mouton (The insurrection laws perpetuate what we have for a government now.)
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To: Graybeard58

How does Steve have the ability to sign Miles up for anything? He is 41 and wants to return to college to get a new career, so he has been on a two year fellowship. These are the Americans who exhibit exceptionalism that the rest of the world hates. And they are whiners. They better get signed up for the Titanic cruise, because the rest have to do so.


16 posted on 01/14/2014 4:44:59 AM PST by healy61
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To: Gen.Blather

Obamacare is dead to me and has been ever since Obama started pushing it. I’ve never been to healthcare.gov and don’t intend to go there. As for my wife and I, bot 60, we’ve just accepted that the US is in a form of “post russian revolution” hell hole and figure we won’t have insurance for the rest of our lives. Ours ended at the end of the year.

This is one of the ways we are going galt and invoking Revelation 18:4.

We will also no longer vote in federal elections. The federal government is also dead to us, though we will continue to file a tax return.

I’m too familiar with this nations history to just lie down like a good lemming and do what the fascists say. It’s why the scariest scene in any movie for me is the first ten minutes of Inglorious Basterds. Eventually they will come, no matter how “small” you are.


17 posted on 01/14/2014 4:45:36 AM PST by cuban leaf
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To: V_TWIN

It’s husband and husband. I read the entire thing. Nothing new - Obamacare is a giant failure. We told them so.


18 posted on 01/14/2014 4:45:38 AM PST by ilovesarah2012
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To: Graybeard58

This is confusing...so it’s husband and husband? Right? Or is there some newly invented terminology for this situation?

Meanwhile, back on the insurance topic...what shocking new development is this? Basically....the 2,000 page law didn’t think to see all the various ways that we utilize health insurance today....in various forms developed by the industry to fit the needs of people. And the government.....knew nothing of the arrangement or the mechanisms already in place? Am I missing anything on this?

A notice to anyone who researches WW II and the initial months of the war. Roosevelt basically “let go” (best wording for it)....all of the players who ran his economy and industry plan since 1933. Virtually all of them had to disappear....to let the real business enterprise in the front door, and allow America to flourish in a way that Roosevelt and his staff could not imagine or allow. It says a lot about the current mess, and why nothing seems to work.


19 posted on 01/14/2014 4:47:07 AM PST by pepsionice
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To: Graybeard58

Sorry about that, I was so wrapped up in people thinking the GOP is evil I didnt notice they were gay.


20 posted on 01/14/2014 4:51:50 AM PST by V_TWIN
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To: drbuzzard

FWIW, As someone pointed out to me, the 2 people in this story are gay.


21 posted on 01/14/2014 4:53:07 AM PST by V_TWIN
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To: ilovesarah2012

Thanks, there was so much wrong with this artice I actually missed the gay angle. lol


22 posted on 01/14/2014 4:54:46 AM PST by V_TWIN
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To: Cincinatus' Wife

a Scrooge quote comes to mind........ Obama care will reduce the surplus parasitic journalist Population.

That would be the free lancers like Kirsten Powers that exist by mooching. They have money to pay accountants but not to pay for medicine.

America will be a better place if they just die from lack of medicine and frustration


23 posted on 01/14/2014 4:55:17 AM PST by bert ((K.E. N.P. N.C. +12 ..... History is a process, not an event)
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To: Cincinatus' Wife

Talk about slow realization... At least these creeps can read. Can you imagine how hard this will be for the marginally literate?


24 posted on 01/14/2014 4:57:11 AM PST by Carry_Okie (0-Care IS Medicaid; they'll pull a sheet over your head and take your home to pay for it.)
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To: Cincinatus' Wife

“The information in this article applies to everyone.”

Yes, it does. People should at least skip to the last page where the author makes the point that if he, who has the time and expertise to deal with things like this, couldn’t make it work, other folks must be having a much harder time.

The drug issue is a huge one, generally even a sick person might avoid going to the doctor - but if you don’t take your needed medicine you’re going to end up in the hospital.


25 posted on 01/14/2014 5:00:11 AM PST by jocon307
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To: bert

Another thought comes to mind:

“A conservative is a liberal who’s been mugged by reality.”

They may not be there yet but they’re mad as hell and writing about it.

Sometimes they’re the only ones who can cut through the noise made by militant leftists; and through their experience with Obamacare, a few more conservatives could arise from the ashes.


26 posted on 01/14/2014 5:00:18 AM PST by Cincinatus' Wife
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To: Cincinatus' Wife

That’s one hell of a long story,
but what I thought was key was they both supported Obamacare because they wanted to quit their jobs where they had insurance coverage and pursue new careers, and that having ACA Obamacare would give them the safety net to do it.

Then they tell the nightmare story that resulted,


27 posted on 01/14/2014 5:00:31 AM PST by sickoflibs (Obama : 'If you like your Doctor you can keep him, PERIOD! Don't believe the GOPs warnings')
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To: Cincinatus' Wife

Even with the myriad of lies and hurdles they had to clear, they still what Obamascare to work! They are on crack!


28 posted on 01/14/2014 5:04:17 AM PST by blaveda
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To: V_TWIN

I had to look twice at the writer’s name to figure it out. I admit to taking perverse pleasure in their pain. They wanted Obamacare - they got it.


29 posted on 01/14/2014 5:04:18 AM PST by ilovesarah2012
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To: Cincinatus' Wife

What’s the saying, “a conservative is a liberal who’s gotten mugged”?

The writer may not be a conservative (yet), but he has certainly gotten mugged-courtesy of Obama.


30 posted on 01/14/2014 5:04:20 AM PST by randita
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To: Cincinatus' Wife

So, this guy thinks it fair to expect an insurance company to issue a policy to “Miles”, despite the screwed up math. He want to pay premiums of $2952/ year AND get coverage for a medication that costs $5256/year. With Miles’ deductible of $1650 annually, the insurance company would still pay $3606 for the medicine, resulting in a net loss of over $600. After that, every single covered medical expense is a negative loss for the insurer.


31 posted on 01/14/2014 5:05:18 AM PST by REPANDPROUDOFIT (November can't come soon enough!)
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To: randita

We’re on the same page!

I wonder how many, who thought that Obamacare would be grand, might be thinking about voting for Ted Cruz (who tried to stop it) in 2016 — about kicking out Dems in 2014.


32 posted on 01/14/2014 5:08:28 AM PST by Cincinatus' Wife
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To: Cincinatus' Wife; neverdem
Three days into 2014, Miles took his Obamacare out for its maiden drive. His stop at the doctor went fine. At the pharmacy, it crashed. His medication — which has cost us a co-pay of between $10 and $30 under every other plan he’s had since 2004 including one under Blue Cross Blue Shield of Michigan — would not be covered. At all. That’s $438 out of pocket. Every month. And it won’t even go against the plan deductible.

Given that he's gay, what do you bet that said drug is Valtrex for herpes??? It's the preferred drug, and those with Type II genital herpes use buckets of it. If ZeroCare CMS let the provider take it off the list, this is a howler. If they offered a substitute, it'll probably be Zovirax, which is a lot cheaper.

In the "mean time," that means they both really "need it." Let's hope they stay that way for a good long while. It'll make those future "news" stories a heck of a lot more entertaining.

33 posted on 01/14/2014 5:09:16 AM PST by Carry_Okie (0-Care IS Medicaid; they'll pull a sheet over your head and take your home to pay for it.)
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To: Cincinatus' Wife
How many people have been prevented from pursuing careers that would make them more productive and passionate out of fear that a health calamity could ruin them?

I think more people are prevented from pursuing careers that would make them "more productive and passionate" out of fear of losing everything they have, and/or of being regulated out of existence by the government.

And hey, here's a news flash for you: MOST people DON'T get to do what they're "passionate" about, they do what there's a demand for, and what they can find someone to pay them for. And it isn't the government's right to make people pay others (through taxes) to do nothing, or to do something they wouldn't otherwise pay them to do.

Oh, wait, I forgot that I was reading a piece written by a socialist.

34 posted on 01/14/2014 5:19:37 AM PST by Sicon ("All animals are equal, but some animals are more equal than others." - G. Orwell x)
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To: Cincinatus' Wife
progressively less sense

What's the opposite of an oxymoron?

35 posted on 01/14/2014 5:21:28 AM PST by Sicon ("All animals are equal, but some animals are more equal than others." - G. Orwell x)
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To: Cincinatus' Wife
As we hoisted champagne flutes in the first seconds of 2014, my partner and I....

Stopped right there. I don't need to read anything from someone who lives and supports the homosexual agenda.

Next.

36 posted on 01/14/2014 5:21:40 AM PST by usconservative (When The Ballot Box No Longer Counts, The Ammunition Box Does. (What's In Your Ammo Box?))
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To: V_TWIN
I was so wrapped up in people thinking the GOP is evil I didnt notice they were gay

Ditto. I missed it too. A prior poster noted that Steve's husband, along with being a worthless emasculated fop, likely has HIV.

Stories like this make me miss being a Republican ... unfettered power, the capability to control the weather, to control the global econmy, to make any AND every liberal utterly miserable ..... all at the push of a button or the flip of a switch. :-)

37 posted on 01/14/2014 5:30:54 AM PST by wbill
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To: Cincinatus' Wife

The depth of liberal stupidity is immeasurable. Maybe this true believer female will one day realize that she’s a useful idiot, but I doubt it. Your hope and change king doesn’t care about you, moron.


38 posted on 01/14/2014 5:32:23 AM PST by sergeantdave
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To: Cincinatus' Wife

“”As we hoisted champagne flutes in the first seconds of 2014, my partner and I””

Stopped reading right there. Thats liberal upwardly hipster speak.


39 posted on 01/14/2014 5:37:37 AM PST by envisio (Its on like Donkey Kong!)
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To: Cincinatus' Wife

“”””We want the ACA to work; the previous status quo certainly did not.”””””

Caught this at the end. Uhhhh, yes, it was working just fine.


40 posted on 01/14/2014 5:38:52 AM PST by envisio (Its on like Donkey Kong!)
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To: wbill

Yep, and don’t forget W and Carl Rove blew up the levee’s! lol


41 posted on 01/14/2014 5:40:56 AM PST by V_TWIN
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To: Cincinatus' Wife

Yes just what America needs. More Progtards free to pursue their dreams of advanced Puppetry degrees and free lance writers blogging about Wymens struggle with the patriarch. That’s why they needed to blow up the healthcare that was working for over 80 % of the population.


42 posted on 01/14/2014 5:41:23 AM PST by Kozak ("Send them back your fierce defiance! Stamp upon the cursed alliance! To arms, to arms in Dixie!)
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To: Cincinatus' Wife
His medication — which has cost us a co-pay of between $10 and $30 under every other plan he’s had since 2004 including one under Blue Cross Blue Shield of Michigan — would not be covered. At all . . . That’s $438 out of pocket. Every month. We are precisely the kind of folks they need to make these exchanges work. If it’s all poor, very sick people, Obama can kiss his legacy goodbye.

Steve actually thinks a monthly loss of at least ($438 minus $246) $212 on just one one prescription before any other treatment makes someone in an extremely high risk lifestyle "precisely the kind of folks they need to make these exchanges work"? These are educated liberals, and they are far stupider than I realized.

I have used insurance for multiple labor and delivery visits (a large but infrequent expense in most people's lives), for two terrible and shockingly expensive family disasters, and for annual routine expenses that are quite minor. Now that we're not having more kids, my insurance company is making money on my family and will continue to do so most years, as it should be. They were there and covered a whole series of surgeries and associated treatments when we had unexpected problems, which is what insurance is for, and I have no problem with them making a profit on average (which will NEVER happen with my family after what they spent, but the point is true in general). To expect Blue Cross to cover someone who will produce an annual loss, for decades, is absurd.

43 posted on 01/14/2014 5:41:42 AM PST by Pollster1 ("Shall not be infringed" is unambiguous.)
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To: Graybeard58

Gee wonder which antiretroviral drug he’s whining about having to pay for?


44 posted on 01/14/2014 5:42:50 AM PST by Kozak ("Send them back your fierce defiance! Stamp upon the cursed alliance! To arms, to arms in Dixie!)
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To: V_TWIN

There are no women involved.


45 posted on 01/14/2014 5:44:17 AM PST by Kozak ("Send them back your fierce defiance! Stamp upon the cursed alliance! To arms, to arms in Dixie!)
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To: Truth29

I also noticed the “ his income” would qualify him for Medicaid. If they are married isn’t it THEIR Income. So if hubby #2 makes a living why should they be getting Obamastash money?


46 posted on 01/14/2014 5:47:34 AM PST by Kozak ("Send them back your fierce defiance! Stamp upon the cursed alliance! To arms, to arms in Dixie!)
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To: Truth29

Maybe its for prolapsed rectum.

(I am sure we know what that term means but DO NOT GOOGLE)


47 posted on 01/14/2014 5:50:46 AM PST by envisio (Its on like Donkey Kong!)
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To: Cincinatus' Wife

Well, there have been persistent rumors floating around for years that Obama likes to screw homosexuals. Now we have, ahem, hard evidence.


48 posted on 01/14/2014 5:52:26 AM PST by WayneS (Respect the 2nd Amendment; Repeal the 16th (and 17th))
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To: Cincinatus' Wife

This a novel???????????????


49 posted on 01/14/2014 5:53:29 AM PST by Doc Savage ("I've shot people I like a lot more,...for a lot less!" Raylan Givins)
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To: ilovesarah2012

Yes. Husband and Husband.

Two grown men licking each others fecal matter. (sorry for the visual) And they speak of it like its totally normal... and the media and showbusiness celebrates it like its wonderful. Two grown men... going there... oh its so heart warming... SPIT PUKE!


50 posted on 01/14/2014 5:55:18 AM PST by envisio (Its on like Donkey Kong!)
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