So you might remember almost a year ago when I was going through this:
I Am An Obamacare Statistic
Well. The story ended with pretty good and pretty reasonably priced insurance for John and me, and an erroneous Medicaid flag on each of my children. I can’t remember the exact number, but I believe John and I pay $250 a month for a plan that has a $1000 deductible, an 80/20 split after deductible, and max out of pocket is $4000. A new benefit I’ve taken advantage of this year is covered chiropractor visits, where I only pay a $30 co-pay. So far, I’m not unhappy with this.
My children are a different story. Instead of going through the Government Healthcare Appeal process, I submitted an application for Medicaid. In the meantime, we extended our children’s wellness plan from 2012. Eliott and Carter’s insurance costs something like $84 (each) a month, and Isaiah is closer to $120 a month. They get all their wellness visits covered at 100%, but everything else must be paid in full until we hit a $2500 deductible, which, let’s be honest, isn’t happening. Thankfully, we’ve not encountered any major medical emergencies ever, and our family doctor does stitches and casts for a much lower cost than the emergency room.
Also – no free dental coverage. So we pay for cleanings out of pocket.
Well. Guess what came in the mail last week?
My Medicaid application has only just now been processed. Were we approved? Well, we’re not quite there yet. Nope. This wasn’t an approval or a rejection letter. This was a “request for more information” letter.
I submitted that application last November.
Now they are asking for proof of residency, proof of income, and a couple of signed waivers.
What a freaking joke.
By the time I get the insurance debacle sorted out it will be time to spend 117 minutes on the phone again re-applying for next year’s Obamacare.