LaRue and Cassandra Kidd—Chicago, IL
LaRue and Cassandra Kidd were dropped by their insurance provider. Now, they are enrolled in a Marketplace plan and are spreading the word about the Affordable Care Act to their church and community.
Pastor LaRue Kidd and his wife Cassandra say that their introduction to the health insurance Marketplace last December came at the “perfect” time for them.
Pastor Kidd’s church, Chicago’s True Light Baptist Church, is too small to qualify for group insurance policy rates, and Cassandra’s part time job did not offer coverage to part time employees; as such, prior to the Affordable Care Act, the couple had opted for a private insurance plan.
They had been making due when, suddenly, their insurance provider dropped them, stating Pastor Kidd’s pre-existing condition as the reason for termination of coverage.
Fortunately, the Kidd’s were aware of the upcoming changes that the Affordable Care Act was bringing to the world of health coverage. In fact, they were already spreading the word to others.
“We did try to host some events at our church to make other people in our church and in our community aware of the Marketplace,” says Cassandra, “[We] provided assistance signing up for those that needed it…we tried to get as many people that we know aware of it as well.”
In December 2013, the Kidd’s went online to healthcare.gov and began to review their coverage options.
“The things that were important to us were the coverage and the cost,” says Cassandra.
The couple was able to select a plan that met their needs in both areas and to enroll online. They say that ever since their plan began coverage in January 2014, they have been able to visit the doctor several times.
“We go to the doctor regularly, not because we have health issues per se,” says Cassandra, “but, you know, to stay abreast of check-ups and that sort of thing. We have a $30 co-pay, which I think is average. But one of the things that we did notice is that we had more coverage for less money [compared to our previous plan]. There are some prescriptions we have filled regularly on a monthly basis that we don’t pay for.”
The Kidd’s say that they plan on continuing to host health care enrollment events at their church, including an event at the end of this month.
“We are very pleased at this point,” says Cassandra.