Any healthcare navigators here?

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13. My sis has been dealing with the incompetent navigators for weeks.

She left her husband but found out that if you are married and try to get insurance for only yourself and/or children, but aren't living at home with hubby, and including him, then you don't get a subsidy. She moved back in with the jerk (long story, he is abusive, mostly verbally), and called the obamacare hotline back in January! She has been told that her application has been "expedited" over and over again, only to call back after checking with the new insurance company (some co-op that was evidently created by the ACA law - that barely has any pain management doctors in the entire state of SC, judging from their online search tool - very sketchy "insurance" company to begin with), and being told that they have no record of her, then speaking with a different navigator who says there's no record of her application being "expedited" but that it was in process - for weeks now, over two months. She gets a different story every time she calls, and has spoken to supervisors who say things like, "oh, the request to expedite was entered incorrectly" and on and on, one excuse after another. She's been told repeatedly by people up and down the chain of command that her insurance will be retroactive until March 1 because of the trouble. I know it's bs. She still believes them. Yet, as of late last week, the insurer (Consurmers Choice something or other), has no record of the application. She's been dealing with debilitating back and leg pain, nerve related according to all local doctors we've seen, for about three years now. She is on expensive meds for this. She finally, after jumping through some hoops, has secured an appointment at Mayo Clinic in Jacskonville, FL for April 1 in hopes of getting to be bottom of the cause of the pain and having the experts craft an effective treatment plan. But Mayo can't tell her if this new insurance will be accepted until she can provide them with the insurance info - account number, group number, etc. The deadline for enrollment and her Mayo appointment are just weeks away, and she's still getting daily bs from these navigators. I've told her she should just cancel the current application and do a new one online, but she still believes them when they tell her they will make her coverage retroactive to March 1. This is important to her because she sees several doctors and she doesn't have the funds to pay them out of pocket for the visits to them this month. That doesn't matter that much to me, however, because almost none of them show up when you search the new insurance co.'s network anyway. I'm sorry, but this is the most incompetent, cluster-f*** bs I've ever seen anyone have to go through.