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Alabama Mom's ObamaCare Horror Story Gives America a Glimpse of Government-Run Healthcare
Independant journal Review ^ | 12/31/2013 | Emily Hulsey

Posted on 01/01/2014 3:59:41 AM PST by afraidfortherepublic

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:

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.

(Excerpt) Read more at ijreview.com ...


TOPICS: Business/Economy; Front Page News; Government; News/Current Events; US: Alabama
KEYWORDS: abortion; aca; alabama; bluecross; deathpanels; healthcare; karrikinder; obamacare; zerocare
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1 posted on 01/01/2014 3:59:42 AM PST by afraidfortherepublic
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To: afraidfortherepublic

Welcome to the new Amerika. Compliments of Zero and the Democrats.


2 posted on 01/01/2014 4:05:18 AM PST by Fzob (Jesus + anything = nothing, Jesus + nothing = everything)
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To: afraidfortherepublic

THIS is just why Obamacare was created....to make DECENT hard working families PAY FOR slackers that don’t pay taxes.


3 posted on 01/01/2014 4:07:44 AM PST by Ann Archy (Abortion......the Human Sacrifice to the god of Convenience.)
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To: afraidfortherepublic
Usually you lose your doctor and the hospital you would normally go to under Obamacare as well have double the premium and double the deductible.

My new years prediction: Democrats will turn on Obamacare in droves, but it will not help them in November.

4 posted on 01/01/2014 4:13:39 AM PST by sr4402
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To: afraidfortherepublic

I think I see the problem: This family is almost completely debt free. They are not sufficiently dependent and shall be crushed. Worse, she has spoken up. She must be a right wing secret militia member and she will get special attention from all the alphabet government agencies to assure right thinking and subservience.


5 posted on 01/01/2014 4:17:24 AM PST by Truth29
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To: afraidfortherepublic

-— When I opened our letter to say I had sticker shock was an understatement. -—

I guess they didn’t pick up on five years of warnings.


6 posted on 01/01/2014 4:17:38 AM PST by St_Thomas_Aquinas ( Isaiah 22:22, Matthew 16:19, Revelation 3:7)
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To: afraidfortherepublic

They either didn’t vote or voted for Obama.


7 posted on 01/01/2014 4:22:34 AM PST by Java4Jay (The evils of government are directly proportional to the tolerance of the people.)
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To: afraidfortherepublic

I read through the whole pity-party article. An overly long recount of her troubles and difficulty in dealing with bureaucrats she mistakenly ascribes to “insurance companies”. She wasn’t dealing with ‘insurance companies’. She was talking to Exchange Bureaucrats - Obama’s people.

Insurance companies did not set the rules here, Obama did. He had THREE YEARS and over HALF A BILLION DOLLARS to get this right. And he signed up 6 people the first day. Today, January 1, 2014, his administration and the media are implying they’ve signed up nearly a million people, BUT THEY WILL NOT PROVE IT with evidence.

Honestly, I commiserate with her and her husband because they seem to be workers - producers and seem to be a nice family. The only thing I’d like to see in this article is who the hell she voted for in 2008 and 2012.


8 posted on 01/01/2014 4:23:17 AM PST by Gaffer
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To: Gaffer

Good points!


9 posted on 01/01/2014 4:25:21 AM PST by afraidfortherepublic
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To: afraidfortherepublic

Punishment for everyone the rats love to hate.


10 posted on 01/01/2014 4:27:55 AM PST by no-to-illegals (Scrutinize our government and Secure the Blessing of Freedom and Justice)
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To: Truth29

That family is going to get an IRS audit. She will learn to shut up.


11 posted on 01/01/2014 4:34:34 AM PST by dforest
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To: Gaffer
The worst law in American history will not be repealed. Obamacare is the progressives' golden calf. For pubbies, it is a club with which to pound democrats.

The uniparty knows Obamacare is largely responsible for our economic suffering, yet it will neither defund nor repeal it.

Our demise is assured until more of us get our minds around the fact that our elected oligarchs in Washington DC will do nothing to save our dying republic. Elections cannot excise the virus of liberalism.

12 posted on 01/01/2014 4:36:32 AM PST by Jacquerie (Article V.)
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To: afraidfortherepublic
I've been arguing with a close friend who is looking forward to Obamacare and has just enrolled in it. To him its basically income equalization as evidenced in what he said in his last email:

"Again, these rules are for those who are not on a free lunch with their employer

13 posted on 01/01/2014 4:41:08 AM PST by Hot Tabasco (Miss Muffit suffered from arachnophobia.....)
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To: afraidfortherepublic; Gaffer
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.

I wonder, instead of going to the ACA Exchange for coverage, why they didn’t look to enroll in group health coverage with their respective employers. Of course it could be that both of their employers are very, very small companies that don’t provide and aren’t required to provide any health insurance benefits or their employer’s plan’s open enrollment does not open at January 1 (some employer group health plans operate and renew on a fiscal year basis such as on July 1 or September 1 and not on a calendar year basis) or their employer’s plans really suck and would be even more expensive that what they got quoted on the exchange.

But I have to wonder why this option and explanation of why that was not an option, was left out of her letter.

14 posted on 01/01/2014 4:48:17 AM PST by MD Expat in PA
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To: afraidfortherepublic

Bump


15 posted on 01/01/2014 5:01:09 AM PST by lowbridge
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To: afraidfortherepublic

Who did she vote for?


16 posted on 01/01/2014 5:13:54 AM PST by nonliberal (Graduate: Curtis E. LeMay School of International Relations)
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To: Truth29
To: afraidfortherepublic

“I think I see the problem: This family is almost completely debt free. They are not sufficiently dependent and shall be crushed. Worse, she has spoken up. She must be a right wing secret militia member and she will get special attention from all the alphabet government agencies to assure right thinking and subservience.”.......

Unfortunately and sadly you are right. this same thing will be happening all across the nation as more and more “takers” get on board with the demodummies. Wait till the new amnesty kicks in.

17 posted on 01/01/2014 5:15:22 AM PST by DaveA37
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To: sr4402

Let’s hope it sinks most of them in November.


18 posted on 01/01/2014 5:19:41 AM PST by Eric in the Ozarks ("Say Not the Struggle Naught Availeth.")
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To: afraidfortherepublic
The only two questions that matter:

1. Did she vote for Obama ? If so...STFU...you got exactly want you voted for...
2. Alabama or Auburn fan...

19 posted on 01/01/2014 5:21:24 AM PST by Popman ("Resistance to Tyrants is Obedience to God" - Thomas Jefferson)
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To: Gaffer
dealing with bureaucrats she mistakenly ascribes to “insurance companies”. She wasn’t dealing with ‘insurance companies’. She was talking to Exchange Bureaucrats - Obama’s people

That's not what she said. She made the comparison between a private insurance company, and getting good customer service, and the government, saying "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." She was not mistaken at all.

20 posted on 01/01/2014 5:23:26 AM PST by PistolPaknMama
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To: MD Expat in PA
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.

Yes, the coverage was private before January 1. After, her problems came with the law, not the insurance company. She was seeking a subsidy from the government, and the 'government' was telling her that the child did not qualify.

21 posted on 01/01/2014 5:24:14 AM PST by Gaffer
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To: afraidfortherepublic

Middle Class citizens should be marching on Washington Dc with buckets of tar and feathers for every democrat SOB who voted for this.

We won’t though , we will struggle to pay it and half of us will vote for another democrat come November.


22 posted on 01/01/2014 5:34:21 AM PST by Venturer (Half Staff the Flag of the US for Terrorists.)
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To: Gaffer
Yes, the coverage was private before January 1. After, her problems came with the law, not the insurance company. She was seeking a subsidy from the government, and the 'government' was telling her that the child did not qualify.

OK. But if they are debt free, own their own home and presumably make decent money with both of them being employed full time, I wouldn’t think they would qualify for the subsidy and I don’t know why they would think they would be entitled to one.

And again this doesn’t answer the question of whether either or both of their employers offer group health care insurance and why they didn’t mention or presumably bother look into that option.

23 posted on 01/01/2014 6:06:23 AM PST by MD Expat in PA
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To: MD Expat in PA

IIRC, the subsidies go all the way up to 400% of the so-called ‘poverty level’ which is very high in my opinion.

The government also, I strongly believe has surreptitiously relaxed the requirements for Medicaid so that a number of the would-be subsidies will be foisted off on Medicaid to make it seem Obamacare is fiscally sound.

I also believe we will NOT see a truthful accounting of true Medicaid costs until after this bastard is gone, certainly not before November of this year.


24 posted on 01/01/2014 6:19:11 AM PST by Gaffer
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To: sr4402
"Usually you lose your doctor and the hospital you would
normally go to under Obamacare as well have double the premium
and double the deductible."

 photo Deductibleboy.jpg

25 posted on 01/01/2014 6:19:33 AM PST by n230099 ("When no one knows who is armed...everyone is.")
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To: sr4402
"Usually you lose your doctor and the hospital you would
normally go to under Obamacare as well have double the premium
and double the deductible."

 photo Deductibleboy.jpg

26 posted on 01/01/2014 6:19:33 AM PST by n230099 ("When no one knows who is armed...everyone is.")
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To: St_Thomas_Aquinas
-— When I opened our letter to say I had sticker shock was an understatement. -— I guess they didn’t pick up on five years of warnings.

Or had no common sense. What did these people think was going to happen?

27 posted on 01/01/2014 6:19:33 AM PST by FrdmLvr ("WE ARE ALL OSAMA, 0BAMA!" al-Qaeda terrorists who breached the American compound in Benghazi)
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To: afraidfortherepublic

The most confusing thing to me is why the American people are not rioting in the streets against these illegal government actions. The American people are acting like herded sheep being lead to the slaughter house.


28 posted on 01/01/2014 6:24:46 AM PST by WesternPacific (The herded sheep have finally arrived at the slaughter house.)
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To: MD Expat in PA
OK. But if they are debt free, own their own home and presumably make decent money with both of them being employed full time, I wouldn’t think they would qualify for the subsidy and I don’t know why they would think they would be entitled to one.

A family of 4 is eligible for exchange subsidies up to $94K. Their off exchange premium rates may have tripled. In order to get a similar level of coverage on the exchange their rates doubled even with the subsidy.

29 posted on 01/01/2014 6:27:32 AM PST by EVO X
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To: Ann Archy

In this case, this family is being forced onto Gov run health care, not to pay for those who won’t be responsible, but to become dependent on the government. Ridiculous her story.


30 posted on 01/01/2014 6:37:31 AM PST by ican'tbelieveit
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To: Jacquerie
The worst law in American history will not be repealed. Obamacare is the progressives' golden calf. For pubbies, it is a club with which to pound democrats.

If democrats think they will lose their cushy seat they will toss Oidiot under the buss faster than a cat can lick his A$$!!! Trouble is... how many will die before they either wake up or are defeated!!!

31 posted on 01/01/2014 6:42:09 AM PST by ontap
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To: MD Expat in PA

My neighbor told me the company she works for is going to pay employees to find their own coverage this year. They couldn’t deal with all of the nuances of the law. With the $300 they are getting a month, she said she will still be out of pocket $10,000 before insurance will start paying.


32 posted on 01/01/2014 6:42:21 AM PST by ican'tbelieveit
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To: afraidfortherepublic
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.

She seems to think that fixing the Exchange/website is going to give her affordable insurance and pay medical bills. If they get a subsidy, the next major blow will be the huge family deductible before the insurance company pays a penny & of course, co-pays will be higher. Her son may lose his therapist and doctor(s) due to the narrow network. They're screwed .... as is the rest of America.

33 posted on 01/01/2014 6:43:10 AM PST by MissMagnolia (You see, truth always resides wherever brave men still have ammunition. I pick truth. (John Ransom))
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To: afraidfortherepublic

“I really don’t know how our government can allow this to be taking place.”

Our government willingly caused this to happen. That family must be just one of millions. I read every word, but am amazed that an obviously smart lady could could make that statement after such an ordeal.


34 posted on 01/01/2014 7:17:43 AM PST by billhilly (Has Pelosi read it yet?)
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To: afraidfortherepublic

bump


35 posted on 01/01/2014 7:25:29 AM PST by gibsosa
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To: afraidfortherepublic

And this story is one in a long, sad parade of victims.


36 posted on 01/01/2014 7:30:15 AM PST by VRW Conspirator ( 2+2 = V)
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To: MD Expat in PA

“But if they are debt free, own their own home”

The bank owns their home. They pay app. 900.00 p/mo for it. Definitely not debt free.


37 posted on 01/01/2014 7:33:03 AM PST by Rannug
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To: afraidfortherepublic

1)Auburn fans.

2)


38 posted on 01/01/2014 7:33:59 AM PST by petitfour
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To: WesternPacific

“The most confusing thing to me is why the American people are not rioting in the streets”

Are you rioting in the streets?


39 posted on 01/01/2014 7:35:09 AM PST by Rannug
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To: Fzob

obamadontcare was created to fail so that it 1) wrecks the current health care system 2) causes people to clamor for a fix and 3) will be reverted to single-payer.

That’s why sebelius and zero stood firm on no “fixes” or any more exemptions... they are waiting for it to collapse.


40 posted on 01/01/2014 7:37:32 AM PST by Reddy (bho stinks)
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To: Gaffer
I read through the whole pity-party article. An overly long recount of her troubles and difficulty in dealing with bureaucrats she mistakenly ascribes to “insurance companies”. She wasn’t dealing with ‘insurance companies’. She was talking to Exchange Bureaucrats - Obama’s people.

I think you may be misinterpreting what she says. Here's the part I think you're referring to:

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.

This is a comparative analysis - the only thing she's ascribing to the insurance companies is that every one she's ever dealt with treated her much, much better than "the ACA/Health Insurance Marketplace does". She's basically saying that the ACA/Health Insurance Marketplace sucks at customer service to the point it would never survive if it were a real company.

I just wish that, rather than using a more technical term like "ACA/Health Insurance Marketplace" she'd gone with "Obamacare" instead. That would really make her comments clear as day ...
41 posted on 01/01/2014 7:45:14 AM PST by tanknetter (L)
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To: afraidfortherepublic

Obamacare first lesson on how to live on your knees or die on your feet.


42 posted on 01/01/2014 7:49:57 AM PST by Vaduz
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To: Ann Archy
THIS is just why Obamacare was created....to make DECENT hard working families PAY FOR slackers that don’t pay taxes.

This just why the Democrat Party even exists at all now.

43 posted on 01/01/2014 7:56:22 AM PST by alrea (Now hiring "Obamacare Navigators" : community organizer experience preferred.)
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To: Rannug
“The most confusing thing to me is why the American people are not rioting in the streets”

Are you rioting in the streets?

Sad response.

44 posted on 01/01/2014 8:30:25 AM PST by WesternPacific (The herded sheep have finally arrived at the slaughter house.)
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To: afraidfortherepublic

Death Panels refused coverage for her 7 yr. old, because of his PRE-EXISTING CONDITION.

Coverage for pre-existing conditions are just another Obama/Pelosi lie.


45 posted on 01/01/2014 9:09:16 AM PST by G Larry
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To: afraidfortherepublic

and who can you turn to? Reps are cowards and Dems don’t care abouth anything but power.

Even if we have a bloodbath in November, will Reps step up and have the balls and backbone to remove this burden from America?

I don’t think so.


46 posted on 01/01/2014 9:11:26 AM PST by Farnsworth (Now playing in America: "Stupid is the new normal")
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To: WesternPacific

Exactly my thought!


47 posted on 01/01/2014 9:17:42 AM PST by conservcalgal (Dear Lord, please bless our nation and those who have stepped up to serve our nation with honor.....)
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To: nonliberal

She’s white, she’s married, she has kids, she looks cute and happy, she owns her own house, she works hard, and they live in ALABAMA. That does not sound like an Obama voter to me. I could be wrong, she could be really stupid, but the probabilities are against it.


48 posted on 01/01/2014 9:21:11 AM PST by ottbmare (the OTTB mare, now a proud Marine Mom)
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To: Java4Jay

“They either didn’t vote or voted for Obama.”

I don’t know why people keep saying things like this. This stuff is happening to many people, and even if many did vote for Obama (or didn’t vote) the fact is they were mislead by those in power, and maybe we can say they were even mislead by Romney, et al. also who was/were unwilling to raise these issues during the campaign.

But this attitude that people are getting what they deserve is simply wrong.


49 posted on 01/01/2014 9:26:41 AM PST by jocon307
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To: afraidfortherepublic
~~~An Open Letter to the Obama Administration~~~


50 posted on 01/01/2014 9:27:24 AM PST by F15Eagle (1Jn4:15;5:4-5,11-13;Mt27:50-54;Mk15:33-34;Jn3:17-18,6:69,11:25,14:6,20:31;Ro10:8-11;1Tm2:5-6;Ti3:4-7)
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