I think he is going to think I am making him look like an asshole with this post. But I'm not. My husband is a hard worker a great father and a loving husband who will do anything for me and the kids. Including let my mother move in with us.
Here is our dirty secret....
We don't have health insurance. It's offered to us through his work. At a whooping $849.00 a month. It doesn't even cover much. So we had to decline it. We even had to sign a statement saying that we declined it. So I thought, I will get a job. I will work for health insurance. I got a part time job. It's all I could get without an education and being out of work for 10 years. A big orange company hired me part time and offered me health insurance. I thought we hit the jackpot!
During the summer I worked almost full time. Insurance cost roughly ninety bucks a week. I had to pay a babysitter at times because of schedule conflicts with Dave but I didn't keep track of what I was paying out. Fall rolled around and hours were cut. Marian got sick and I took her to the Dr. It was the first time I used the insurance. When I produced the card the receptionist smiled at me and said "Yea, you have health insurance now, Mrs. Zawistowski." I have to tell you. I was proud. So proud of the fact that I had insurance and my kid could go to the Dr.
How quickly I deflated when her face fell as she looked at the card. She said," I will submit the bill and we'll see." That was it. End of conversation.
Marian had a virus and they did a strep test.
Six weeks later I get a bill from the insurance company. My portion of the Dr.s visit was $90.00 plus I had to pay for the strep test. The Dr.s visit itself was $120.00. They paid $30.00.
Sometimes I only worked 4 hours at a time. The store reasoned, we will work you a few days a week between 4 and 6 hours. I tried to explain I lived 13 miles away. That was 26 miles round trip. With gas prices it wasn't working. Then I didn't make any money. All my money was going to insurance. Then I didn't have insurance cause I wasn't working my $90.00 a week. Does this make sense? I was driving back and forth to work, paying for gas and a sitter and sometimes not getting any money at the end of week because I owed for back insurance. That I couldn't use. I was really confused.
This caused major strife in our lives. I kept telling Dave we HAVE TO HAVE health insurance. I couldn't see the big picture. We didn't have it. I worked all summer and lost money. After we sat down and went through receipts we figured I spent at the least$1,500.00 going to work. Holy fricken hand job.
I quit my job.
We can't get insurance just on our children. Even though the state of Maine said, and I quote, " No child shall go uninsured." Mine are. We make more that fifty eight thousand a year. That's the cut off. That's before taxes. After taxes we don't. That doesn't count. We have four kids. Just because one is over 18 doesn't mean we don't help her or we never buy her anything. "Excuse me child, your over 18 we must never help you, now get out of our house." Yes, I'm being Sarcastic.
A side note. Maine's Next Generation, the college fund you pay for now while the kids are small so they can go to college later, you have to make under fifty eight thousand dollars..... Yeah, that's right. Just telling you so you know. Also the "Gear up" program. You have to qualify for free or reduced lunch.
What's a family to do? I have a husband who feels like he's failing because we don't have insurance. Society makes it that way. My husband has a wife that lays awake at night and thinks of things like, what if the Dr. tells us on of our babies has cancer and they can't help us cause we don't have any money. This does happen. I've seen it.
Every time we spend a dollar in the back of our minds we are thinking what if someone gets sick. Two weeks ago our daughter was sick and thankfully she was okay. I wanted to bring her to the doctor but couldn't. So we waited it out. She is allergic to penicillin products as well as macrobiotics. When she gets ill it is a guessing game of what to give her. Not only that but most of the time it has to be administered at the hospital which they charge you for or at the doctors office with an ambulance on stand by. And what they give her, nothing is generic and costs a fortune.
I'm not telling you all of this for pity. Don't think that. What I'm saying is this is the norm. People out there that have good insurance need to realize how fortunate they are. It's not normal.. That's all
I have to add this in. After I wrote this I lost one person who followed me and everyone else seems to pity me. It's not like that. We could pay for health insurance. We just would have to go without other things. Some of them are more important than others but we could do it. I'm just trying to be honest. I like that, honesty. It's important to me. I want to thank the gals who sent info of where to look for info. I'll check it out. What I won't take is any form of welfare. We don't need welfare. Our bills are all paid and paid on time. Our kids have everything they need. Just don't ask them because thay will tell you they don't have a wii and everyone else has one. I just wanted to throw that in cause I can see my husbands blood pressure starting to rise after he reads this....Ha HA hee Hee