We got some good news today, the boys were approved for OHP (Oregon Health Plan) so they'll have affordable health insurance for at least the next year. The bad news is, John and I were denied. They say we make to much. Ha! HAHAHAHAHA! Make too much? How can anyone possibly make LESS than what we do right now? John works part time and I make such a pathetic salary I'm not sure whether to laugh or cry when I get my paychecks.
We applied for individual coverage, a horribly expensive plan that covered hardly anything with a $10k deductible, and were denied.
I'm not eligible for benefits at my company for another 2 months, but even then, it will cost nearly HALF my pay each check. HALF!!! We're barely skating by with my whole paycheck. To spend half of that on health care premiums? How would we buy food? How would we pay rent? How would we pay for the copays and deductibles or afford to take time off work to even GO to the doctor??
So, as is my way, I freaked right the hell out about it. Had a real, honest to goodness breakdown right here at my dining room table. The boys staring at me with worried faces, John ignoring my maniacal sobs from the living room (mostly because I was being quite the bitch at him, having never really forgiven him for leaving Netflix and their benefits package, I also accused him of being a Republican. Obviously our current insurance perdicament is ALL HIS FAULT. Yeah, I know not at all supportive. It was a BREAKDOWN, I was hyperventilating and everything, perhaps the loss of oxygen to my brain made me so bitchy. I did apologize later though. Not that it makes it ok.).
I'm really not sure what we're going to do, but after packing the kids in the car and going to the park, the fresh air calmed me down. It seems there might not be anything to do. John and I can't get coverage. At least not now. John is actively looking for another job, we can hope that he will get one and it will both pay better and offer health benefits that we can afford (though after a year of looking, the dream of him finding that perfect job is fading). We still have a couple of weeks left on our current insurance before they drop us. We're going to try to get John in to see a nephrologist to hopefully renew his rx for another year (not likely) or at least find out what it will cost us for him to see the doctor uninsured (a lot I'm guessing) and I need to get in for my yearly girlie visit. Then, we'll just stay healthy. I hope.
Oh man. That is so sad. I feel for you. The positive though, is your kids are covered. They need to go to the dr on a regular basis and need that coverage, so that is awesome.
ReplyDeleteI think your plan to go in before your other insurance terminates is a great plan, along with staying healthy!!!
And, if you don't have insurance a lot of places will give you discounted rates, so you can just do that if necessary and make payments.
I have definetly with Scott applying for jobs, that what your insurance premiums are make a huge difference in your salary.
I'm so sorry it is tough right now. It will get easier!
I'm sure you realized what I was trying to say in my last sentence...
ReplyDeleteI have definetly "noticed" with Scott...
Insurance SUCKS!! Even if you have it they don't cover anything until you reach your deductible, which is so ridiculously high you never reach it! Our monthly premium just doubled because of Abilynn.
ReplyDeleteWe are looking into other options, but when you have an individual plan, they will deny you for any and every thing! Don't they want me to have insurance and pay them crazy amount of money for nothing?!
Canada is very pretty though. Maybe we would move with you!