After receiving two e-mail eligibility notifications from WA state related to AppleHealth, WA States expanded Medicaid program, that our income was too high to qualify (which was our intent!), our self attested
income couldn't be verified which resulted in our application being in limbo for the past 18 days. So I endured a 23 minute hold this am to discuss with a call center specialist. (The two individuals that I've talked to over the last 18 days at the state call center have been the most helpful and polite people I've ever encounter - I commend the state for their workforce for this function!)
Anyway, because I'd marked on the original health insurance application that we currently have insurance (Cobra), which the call center representative said should only have been a yes if we planned to keep it in 2014, and because I'd reported our interest income under the dividend question, our application was stuck in computer limbo. The support person asked me if I planned to keep my Cobra policy into 2014 (no!) and changed that answer on my application. Then he asked about my dividend income. I told him it was taxable interest and that I'd reported it under dividends as the application form had no selection available to report this type of income. He removed this income, our income verification was then confirmed with their verification check and we were instantly enrolled into AppleHealth (which we'd been trying to avoid)
So at this point we have succeeded in securing health insurance coverage for 2014
Since our current MDs are covered by AppleHealth, we'll just give this a try for now.
Can't say we didn't try to stay off the expanded Medicaid! They just couldn't accept our intent to derive income through a Roth IRA conversions until it actually occurs in 2014! So we'll delay our 2014 Roth Conversions until we see see how well this insurance coverage works for us.
To be safe, I've maintained detailed notes of both my call center conversations and copies of all of our submitted self income verification documents for 2014.