Many folks who signed up for coverage through the state and federal exchanges are running into roadblocks now that they are trying to use their new benefits. And though exchange officials and insurers have urged consumers to call their insurers if they encounter problems, many say they either wait endlessly on hold or get the runaround. Patterson's journey started New Year's Day, when she landed in the emergency room for a stomach ailment. The Independence policy number she received didn't work and the hospital required her to sign a form saying she would pay for care herself, though it agreed...