I promise I don't create drama, in fact do everything within my power to avoid, yet somehow I am magnetized... For what I try to escape follows me relentless!!
Rewind to 2014 open enrollment for insurance. I am medically speaking early in my disability under care of rheumatologist that is making referrals to opthalmologist, an ENT, & urology specialists to assist in my care.
Concerned about continued coverage & potential FINE under the Affordable Care Act I immediately called the Marketplace to discuss options for 2015. I am told by the customer representative that due to lack of income (unable to return to work & not willing to lie about it) I am denied coverage going forward and referred to public assistance that may be available in my community, going forward.
Kevin had already been paying my portion of premiums since July, when I began a medical leave from work. And although I had tried to return & train for a different position, it became apparent I was no longer fit.
Subsequently, we found that I could be covered under Kevin's employer provided policy and filed the necessary paperwork to do so for 2015.
Fast forward now to 2016, Kevin has filed his tax return only to be advised by IRS that form 8968 is necessary to amend for a reported 1095A. Translation ~ 1095 is an insurance reporting form verifying coverage to IRS. The A form is marketplace provided (B & C come from employer or self-insured respectively).
Having received a 1095A that MIS-reported 1 month of Marketplace coverage (Jan 2015, on my behalf, to BlueCross BlueShield) a request for corrected 1095 was made & subsequently received but without any changes.
Keep in mind that the IRS would like the items they requested in relation to return back to them within 20days, while marketplace states it could be 30days for reply. So, now we have consulted with the IRS ACA department & are keeping the "reject dept." up-to-date by fax as we proceed toward resolution with the Marketplace, which provides to be exceedingly difficult!! We have just sent our second fax as day 20 is upon us.
When we received the unchanged 'corrected 1095A' without any explanation I immediately phoned for one. After lengthy discussions with more than one representative, it was determined that a new case would be escalated; by requesting a 'retroactive cancelation date' which would correct the matter, should my request be honored, in turn generating a corrected - 'corrected 1095A'.
A few days later the mail delivers an explanation letter which states the 1095A form, as submitted, should be used. However, the date on the letter is prior to my most recent request.
Therefore, today's efforts in futility commenced & end in the yet-to-be-determined category. Yet again, after calls to BCBS, IRS, & Marketplace. It was determined that a new request for corrected 1095A be processed (as most recent action didn't specifically request a new 1095 be generated) and could be another 30days for investigation.......... ?&%$@#! ....
as stated to today's representative through tears, "I have zero confidence" at this point! The first three requests didn't work, hoping this one is the charm, is simply beyond me now. Especially, in light of this all stemming from initial misrepresentation from original Marketplace CSR 2 years ago!
Why thirty more days could be possible when prior investigation requests have born the supporting facts, is beyond me;
1)apparently the Marketplace made a grace payment on my behalf due to an auto-enrollment option not being UNchecked during open enrollment denial!
2) BCBS confirms that I had no active coverage 2015, therefore no 1095, nor date amendment, necessary.
Bare in mind, that all of this mess stems from the burden of Kevin simply trying to do right by me. Keeping me off public assistance (that wasn't expanded in SC, so not sure I qualified anyhow... & was denied social security benefits upon first application, so...) & claiming me as a dependent on a tax return that should by all rights, already be deposited & probably spent towards my care... RIDICULOUS!!
PS.. This is me avoiding stress, which aggravates my conditions, can you tell it's working???
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