Your Obamacare plan isn’t working. Let me explain…
I found out in January that my wife was pregnant with our first child! This was extremely exciting news for our family…I was going to be a dad!
Unfortunately, the week after I found out I was going to be a dad…my benefits at work were cut. I work for a startup and as with most businesses these days, money is tight. Our health benefits had to go in order to keep the company alive and avoid any layoffs. I am still very thankful for my job, but losing my healthcare benefits was and is a big hit for my family.
Fortunately for me (or so I thought) the Affordable Care Act aka Obamacare had just begun. I was able to enroll in a plan that was kinda sorta (but not really) close to my plan from work. It was more expensive than when I had purchased insurance in the past (fail #1)…but this was my only other option right?
I checked the BlueShield website (my new provider) and saw I could still use my same doctor and was able to find out what was and wasn’t going to be covered…or so I thought.
As my daughters due date came closer, we knew we had to pick a pediatrician for her soon. My wife started researching various doctors from recommendations and matched them up with who accepted my insurance.
Upon calling the first doctors office, my wife was told they would NOT accept my insurance since it was purchased from Covered California (fail #2). I was led to believe this was my only option for buying insurance and did not know I could buy directly from BlueShield. (fail #3) We were told the insurance would have been accepted if we had purchased it directly from BlueShield and not from Covered California.
Upon further research, there was NOT a single pediatrician that would accept my insurance. Every doctor the BlueShield website told me was covered under my plan told me the same thing upon calling, “We do not accept that plan because it is Covered California, but if you purchase it through BlueShield directly we would accept it.” (fail #4)
I called BlueShield to see if they could help since open enrollment is closed and I can’t change plans. I was told that many people are having this problem and that I should just keep calling and trying more doctors until I find one that will take my insurance. (fail #5) She also claimed that these doctors should be accepting and are required to accept my insurance (fail #6) but that BlueShield was currently having a lot of problems with doctors not accepting their insurance. (fail #7) She said there was nothing they could do about it. (fail #8)
I decided to call my doctor to see if he would accept my insurance like BlueShield had promised when I signed up. He didn’t. (fail #9)
The more and more I researched the issue, the more I found I was far from alone with this problem. Broken promises, misleading advertisements, and flat-out lies seem to be the forefront of the Affordable Care Act.
Sure you can tell me to find another job with better benefits (there aren’t many where I live). Sure the doctors can tell me it’s the insurance companies fault (fail #10) and the insurance companies can tell me it’s the doctors fault (fail #11) and both of them can tell me it’s really the Affordable Care Acts fault and it should get figured out at some point. (fail #12)
But what’s the point of Obamacare if it doesn’t really work?
Why am I required to buy insurance I can not even use?
What happens if I get really sick…will any doctors care for me?
When and how is this all going to be fixed?
Does anyone think $500 a month for low-grade health insurance is affordable?
Your daughters are insured, what about mine?
I have a lot of questions. Do you have any answers?
This isn’t a democratic or republican issue. I am neither of those anyways. This is presidential issue. An American issue. A life issue. A human issue.
Mr President I thank you for leading our country the best you know how. You did everything in your power to sign this issue into our lives. Please don’t leave office without doing everything in your power to fix it.
Chris Loach (US Citizen and proud new father)