Wednesday, November 26, 2014

Affordable my foot

Blogs all over the country are writing sweet, touching, thoughtful posts on gratitude.  I am grateful, don't get me wrong.  I am grateful every day but today...I'm frustrated!  Still grateful, but frustrated.

2015 is the year everyone has to be on the Affordable Care Act.  So, I've been working on that for the past week.

I got a letter from Health and Welfare and the Exchange saying that two of my three kids aren't eligible for the Exchange and the government has deemed them suitable candidates for Medicaid.  That sounds all well and good but they are each on a different Medicaid plan.  Neither one of those plans offer enough coverage for a kid with Dyskeratosis Congenita.  For example, they only cover three ER visits a calendar year!  That's a joke!  We've been there 15 times already and it's not the end of the year!

Remaining calm, I called my agent and he got all important players on a conference call so we could hash this out.  I just wanted to be able to add the two kids to my family plan with my one kid and me and have Medicaid as secondary.  Apparently, that is not going to be that easy.

Since the government has already decided on the coverage the two kids are going to have, I can't change that.  Because they will be on Medicaid, I get no tax benefits or breaks, I can't write off any out of pocket expenses  in their care and believe me, there will be plenty of out of pocket expenses that Medicaid isn't going to cover and so many of the things will need will have to be fought for.  I don't have one ounce of energy left for fighting the government.

If I go against the government and put them on my family plan, they will each have to have their own premium, their own deductible, basically their own plan and there will be no tax benefit or breaks AND I will be fined and taxed!!!  Why?  Because the government sucks!

So, as it stands tonight, I will have to have three completely different policies for my family!  How does any of that make any sense whatsoever!

I have another meeting set up with some Specialist in Obamacare to figure things out Friday or Monday.  I said to the guy tonight, "So whatever happens, I am going to be dealt a huge financial burden in 2015?"

His reply?  "Well, yes, I'm afraid so.  I sure hope you have a great Thanksgiving though."

Really?  He has no clue!!  I'm so annoyed!

I couldn't just let him have the last word, "Do you have any idea how much energy it takes to take care of these kids and now to worry about insurance coverage and going broke from medical bills?  I can't expend one ounce of energy fighting insurance companies for every claim!"

Oh my gosh...I need some serious meditation tonight!  I just don't get it. I try not to say that life isn't fair.  It's more fair than we realize but this is not fair.  The government is not fair! It's not fair that I have to worry about astronomical medical expenses and take care of three children with an orphan, fatal disease.  That's not fair.

Despite my anger and frustration, I will put this in God's hands and let him work it out.  Doing anything more than that will just make me crazy and sick.

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