Thursday, March 27, 2014

Over $100K for Medications

Here is another post for those who hate insurance companies..... It's March 27, 2014 and insurance has already paid out over $100K for medications.  I've got 2013 on top and 2014 on bottom. You can see what insurance paid and what our copays totaled. If dumped onto exchanges, the plans don't cover as much......

Wednesday, March 26, 2014

Medical Account Balance Update

We are at $6,889.36 in OOP Medical as of this morning. Medication copays don't go toward our OOP Max shown here. These are our account balances with bills still pending. We were better off with a higher flex spending limit to pay for a lower deductible and a lower OOP Max along with lower medication copays. All of which helped us better afford things insurance doesn't cover. Now we can't afford any of it. The $750 family deductible was better than $1950 and paying 15% after meeting a lower deductible was better than paying 20% after meeting a higher one. Flex spending is GONE. These balances do NOT include prescription copays. 

Tuesday, March 25, 2014

Today I'm Battling the Blues because the Government is Destroying myFamily

If you have a healthy family, be very thankful. Today, I was really sad as we drove to the hospital before 8am for a PT appointment we can no longer afford because of Obamacare. We repeat this Thursday at 7:45am, and twice a week for three more weeks after that. Along with our usual appointments. 

Why was I feeling more gloomy than normal? Well, for starters, no one seems to care about the destruction of our family. A Washington Post reporter called to talk to me last night, but since my family still has the same insurance we had before Obamacare, it didn't fit into the story she was writing. She's wanting to find people who are now on the Obamacare exchanges and things have changed for the worse because of the exchanges. Maybe we will fit that narrative when we are dumped to the exchanges next year......and we lose access to the life saving treatments out of state. I think they are missing a huge part of the Obamacare story.

It seems that no one cares what Obamacare is doing to middle class families like mine who liked their insurance before Obamacare, are still grateful for the benefits, but who have definitely been impacted by the law because of cost increases, premium increases, increased deductibles, copays and out of pocket maxes. They fail to report that families like mine are paying more because BEFORE the law we had an 85/15 plan and now it's an 80/20 because that's the minimum requirement of the law. They won't report that Obama math is wrong. Since when is paying more helpful to families with sick loved ones!? Let's not forget the devastating effect dropping the flex limit, decreasing the amount of medical we can deduct from our taxes and the medica device tax have done to harm families with sick loved ones.

The media doesn't care that my family is quite literally being destroyed by Obamacare. I've shared our Obamacare nightmare with all of my elected government officials and am mostly being ignored. The media doesn't seem to care, either. It's sad... I've not seen a story on a family like mine in the media and I know there are others like us out there. I've seen plenty of news stories on those who have lost insurance and have worse coverage through the exchanges.... I've seen some on the premium increases.... But the media fails day in and day out to report on the devastating effects it is having on families with sick kids who haven't lost insurance coverage....but who are clearly being destroyed by the law Obama and his minions said would help us all. 

A friend's Flat Stanley is visiting us and we brought him to PT: 

Sunday, March 23, 2014

$131 Was Affordable Compared to $650

For six years before Obamacare passed, this copay was $131 for a three month supply. No need to ask for special exceptions, get physicians to fill out special paperwork, etc. It was actually quite affordable before the law passed. We finally got a small reprieve, but found out we must go through the CRAP again or pay $650 now. Is there anyone out there who thinks families with sick kids need extra stress and work? It took us years to get the first exception made.... After we'd paid $283 for a year, $343 for a year, the. $495 which increased to $532  in the same year. We had four hospital/doctor appointments last week and 3 this week.  I don't have extra time for this!  Please take the change back. I hTe the change. We were less stressed and better off before that law passed.

Friday, March 21, 2014

2k a Month in OOP Medical PLUS Increased Premiums Because of #Obamacare

Because the affordable care act is so affordable ( gag) in addition to our increased premiums, these bills that posted bring us to $5,970.24 in OOP medical. I'm sure by the end if the day another bill will roll in and we will be over 6k. Monday for sure as I have to pay our new higher copay to receive the medical service. Thanks for redefining affordable, Barack. And cutting off TV, Internet, cell phone, water AND electricity wouldn't help us survive, moron. We could live like we were in the stone ages and STILL couldn't afford this crap. Who can!? Over 2k a month PLUS premiums!? Are we supposed to give up eating, too!?

Tuesday, March 18, 2014

How You Can Support Hobby Lobby at the Supreme Court on March 25

Dear friends, 
In 2012, it was my special honor serve as "Rally Captain" in Winston-Salem for the "Stand Up for Religious Freedom" campaign that hosted hundreds of rallies all over the country in opposition to President Obama's HHS Mandate. I'm writing today to ask for your special help supporting the cause of religious freedom when the U.S. Supreme Court hears oral arguments in two critical cases next week. 
On March 25, the U.S. Supreme Court will hear arguments in Sebelius v. Hobby Lobby and Conestoga Wood Specialties v. Sebelius -- the first two cases on the HHS Mandate to reach the high court. The HHS Mandate is one of the most controversial parts of Obamacare. It forces employers to provide FREE abortion inducing drugs in their health plans -- without any regard to religious or moral objections. 
The Green family, owners of Hobby Lobby, and the Hahn family, owners of Conestoga, are standing for ALL of us who cherish religious freedom by challenging the HHS Mandate in court. So where do you come in? There are THREE ways you can support the Green and Hahn families when their cases go before the court: 
1. Attend a prayer vigil and rally at the Supreme Court on March 25. If you can't be there yourself, let all your friends and family in the area know about it. Here are the details:
 EVENT: Vigil and Rally at the Supreme Court WHEN: Tuesday, March 25, 9:30-11:30 a.m. WHERE: U.S. Supreme Court, 1 First St NE, Washington D.C. 
The Rally will take place on First Street, right in front of the court steps. You can get a map and more details here:
2. Spread the word about these important cases and the religious freedom issues involved through every channel: email, Facebook, Twitter and your personal blog or other website. Forward this email to all your contacts, and find Facebook graphics to share, a link to the Facebook event for the rally, hashtags, sample tweets right here: 
 3. Keep the Green and Hahn families, all their attorneys and the Supreme Court justices hearing their cases in your prayers over the coming days before the oral arguments. Thank you for doing your part to support the cause of religious freedom as these two critical cases go before the Supreme Court on March 25. 
Pattie Curran 

Thursday, March 13, 2014

Can't Pay.....

Here's a bill we can't pay, thanks to Obamacare. The drop in flex is just part of the problem. Remember this and the $451 could have been paid with the tax savings alone from the higher flex limit..... Sadly, everything costs more because our deductibles, copays and OOP maxes are now higher, and our medication copays are higher.......  Any Obama voters and Obamacare supporters want to pay this? ha! You expect the government to do it...... If you'd get the government out of our lives, costs would be lower.....and if the government stopped raping us via taxes, we'd be able to afford more. Affordable care Act my fat patootie!!! 

Wednesday, March 5, 2014

Crazy 2014 OOP Medical Numbers

Insurance has paid $83,256.99 for medications in 2014... Our copays added up to $2,406.36 plus just over $100 not listed here because we had a few prescription meds that were not covered by insurance. Including the $451 bill that posted this morning, our total out of pocket medical for 2014 is $5,361.10 already. 

We are so thankful that Obamacare dropped our flex from 5k to $2,500 and decreasing the amount of medical we can deduct from our taxes....all while the horrid law is increasing our costs exponentially. 

Drowning in Medical Bills Because of Obamacare

Just another thank you shout out for Barack Obama dropping our flex.... Just had another bill post..... Makes me want to vomit. This bill would be lower in the pre-obamacare days because our deductible was lower..... A lot lower. And then, once we met that they used to pay85% of the claim... Now they pay 80%.... But I digress, we haven't met our new higher deductible yet so that's a moot point at the moment.... But we pay more because of the crap law.  But liberals, don't worry, just ignore pictures of our bills because Harry Reid says I'm lying.