or Connect
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › Anyone not able to get health insurance?
New Posts  All Forums:Forum Nav:

Anyone not able to get health insurance? - Page 2

post #21 of 57
Thread Starter 
He is not able to do the childcare himself. It'd be different if he could.

ETA: As I mentioned, with the level of income I would be making at this point at an entry-level, possibly minimum wage job, especially from a part time job, it's not likely that there would be any additional income going towards savings or anything like that. It'd probably be breaking even with childcare (I have researched it actually; the best case scenario would be making a couple of hundred dollars extra a month. At best. That's not including work clothes, gas to commute, etc.) I suppose I could take a night shift job after the kids are asleep but I don't want to give up going to school either; that's paid for and having a graduate degree will pay off in the future (I hope). And I hope that within a few months I will be getting some income on my business and think about becoming officially self-employed, but right now there's no income from that yet. If I took a night shift job, not only would I be exhausted to mother my kids during the day, it would also effectively wipe out school and my own business stuff as well. In the long run I think I have a better shot at establishing financial stability through those means - not through getting a dead-end job at Starbucks or the like.
post #22 of 57
Quote:
Originally Posted by Kaleanani View Post
I respect other people's opinions, but I honestly don't even think I could afford to go to work with the price of childcare - I would probably be breaking even and losing so much time with the kids. I have a college education but no work history and I graduated a while ago with a liberal arts major. So, it's not likely I'd be making any money whatsoever - I'd just be out of the house for however many hours a week with the ONLY benefit of getting health insurance. I know health insurance is the responsible thing and all, but I can't see changing our entire functioning lifestyles around JUST for health insurance. YKWIM? The kids are still babies - 1 and 2 and I'm never away from them, we've maybe had two date nights since they were born. Maybe in the future. DH can't work because he's even stressed being out of the house long enough to go school four mornings a week.

ETA: The way it works out, I do about 30 hours a week working on my own after the kids go to bed, and I also am taking 12 credits this semester, probably more next semester, in online graduate classes. I don't graduate for another three years or so. So my schedule is already pretty hectic (ironically) to take 20 MORE hours a week away. I know it's all about choices, I'm just trying to see what other choices we have at the moment because going and getting another sort of a job JUST for the insurance benefit seems like making a devil's bargain.
I just wanted to say I understand. In your shoes I would not leave my two toddlers to work 20 hours a week just for insurance (I had 2 under 2, also). Like I said, we did without insurance, and it was fine. We were able to afford out-of-pocket for the care we needed. We are pretty healthy and learned we can self-treat for a lot more than I used to think. I know that in an emergency, without insurance our local hospital will treat you and charge you based on a sliding scale. DH and I couldn't see spending $40,000 for four years of health insurance where we maybe spent all of a couple thousand on health care that whole time. The chance of us needing a horrifically expensive procedure was statistically small, and if we ended up having to spend $40K out of pocket for something major, we would have considered it "breaking even" in a way.

It's an unconventional choice. But I stand by it. It's not within everyone's comfort zone, but I don't think it's crazy, because we did it. I know some people will disagree, but it's a viable option.
post #23 of 57
FedEx and UPS both offer health insurance to part-time employees, and offer early-morning shifts. Both will be hiring for the holidays soon, and that would give you a chance to get on with a possibility of being made permanent.

(If you decide it would be worth it to make $600 a month or so, plus free insurance. I know the sleep sacrifice is steep.)

Also, check your college's alumni association; mine offers a group-rate health insurance plan. Also, look in the phone book and call some insurance agents who do medical; they might be able to find you an affordable plan, even if it had exclusions for six months to a year of your pre-existing conditions.
post #24 of 57
Thread Starter 
Hmm, well, I'm averaging about 5 hours of sleep a night - not sure how much more I could afford to give up. And the kids wake up at 5:30 as it is... I know it sounds like I'm making excuses. But the thing is, I am not in a position right now to get a job. I have absolutely zero doubt in my mind that in the future we will be in a better financial position. But for reasons I mentioned above, I have no plans to get a job for insurance purposes. I am working on getting insurance OUTSIDE of having an employer.

Surely not everyone's plans include working for a corporation nor do all the self-employed out there able to afford the high rate plans themselves. I'm trying to find out what they do, to see how I can help ourselves.

Some people have been really helpful in mentioning alternatives (joining an association, HSA's, etc) and I'm very thankful for that. The college I went to, I never thought to think if they offer health insurance. If so, that'd be GREAT! It was a small school though so maybe not, but I will check!

There seems to be a trend that is telling me to go out and get a job outside the home. I worked before having kids, so it's not like I'm against working. And it's not like I'm sitting around, doing nothing - I am loaded with things I'm doing. The thing is, I just have no plans on working for a company for the sole sake of health insurance, at least not right now. Period. I say all this with all the niceness I can convey through the Internet; I'm not trying to throw advice back in the face, and I value all the responses I got.
post #25 of 57
Quote:
Originally Posted by gratefulmama View Post
Is there a county or state hospital nearby? In my state, the local hospital that receives county and state money has set up a sliding-scale insurance system for people who don't qualify for medicaid.
This. It's not ideal -- it won't cover out-of-hospital services, obviously, but it is what my husband uses, and it's what got his recent $1000-1500 visit knocked down to about $125 for us out of pocket.
post #26 of 57
Quote:
Originally Posted by Kaleanani View Post
Hmm, well, I'm averaging about 5 hours of sleep a night - not sure how much more I could afford to give up. And the kids wake up at 5:30 as it is... I know it sounds like I'm making excuses. But the thing is, I am not in a position right now to get a job. I have absolutely zero doubt in my mind that in the future we will be in a better financial position. But for reasons I mentioned above, I have no plans to get a job for insurance purposes. I am working on getting insurance OUTSIDE of having an employer.

Surely not everyone's plans include working for a corporation nor do all the self-employed out there able to afford the high rate plans themselves. I'm trying to find out what they do, to see how I can help ourselves.

Some people have been really helpful in mentioning alternatives (joining an association, HSA's, etc) and I'm very thankful for that. The college I went to, I never thought to think if they offer health insurance. If so, that'd be GREAT! It was a small school though so maybe not, but I will check!

There seems to be a trend that is telling me to go out and get a job outside the home. I worked before having kids, so it's not like I'm against working. And it's not like I'm sitting around, doing nothing - I am loaded with things I'm doing. The thing is, I just have no plans on working for a company for the sole sake of health insurance, at least not right now. Period. I say all this with all the niceness I can convey through the Internet; I'm not trying to throw advice back in the face, and I value all the responses I got.
I don't think people are just trying to make you get a job but as someone whose spouse is self employed, in the early years I worked for the insurance. Later on as I mentioned in another post we did the high deductible policy which is better than none but can still put you in debt I learned the hard way. We had planned to have our dd at a birthing center, prepaid and everything only to end up needing to be transferred to the hospital where our deductible did not kick in.

I will also say we spent almost 2 years recently without insurance which is scary. In a weird way its turned into a mixed blessing that my dh's business dropped off because we now were able to qualify for state health coverage something we previously had not qualified for.

That said, I personally would work for insurance because it only takes one seemingly minor thing to become big and you are SOL as far as how to pay for it.

Yet if that is not comfortable for you, that's cool too. I know when I didn't have insurance and couldn't afford it, I used the sliding scale clinic for my preventative stuff and my dd's doctor offered a discount for paying in cash.

Good luck to you!
post #27 of 57
A friend of mine applied for a high-deductible "emergency" health insurance policy. (Would have partly covered expenses over $5000 or so) He admitted to planning a future medical appointment for a medical problem - a small itchy spot on his wrist caused by an allergic reaction to a ten year old black fly bite - and was denied the insurance policy.

One option is to move to a state with some public health insurance option ... MA might be your only choice there. The other options are PT jobs with insurance, school with insurance or belonging to some group which offers health insurance (eBAY Power Sellers, maybe?).

The current system is very broken, obviously. If you have major medical expenses, ask for charity care or declare bankruptcy.
post #28 of 57
Thread Starter 
I just looked at my alumni association site and it says that they DO offer health insurance!!! I'm not sure if it's for the family though or just personal. And what's worse is that the page is outdated and the link they have up is broken. I really hope it's just a dead link and not that they've discontinued it. I've emailed them and will probably get an email back soon, but not today. Just a matter of waiting, I guess.

And I am so kicking myself. We moved here a year ago from a state where we were all covered. I figured that any state would cover us because our income was so low - below the FPL. I had zero idea that some states (like this one) don't cover you unless you're 70% of the FPL or under - we're over 70% but under 80% iirc. It was my fault for not researching that before we moved, but what's done is done. We can't afford to move anywhere now; our house is bought, DH is enrolled in school, etc. We can't just up and leave right now. (We are planning a move in the future though because turns out we don't like it here very much... it's in the five year plan or so.)
post #29 of 57
this is exactly why we need healthcare reform that includes a public option.
post #30 of 57
You said you are doing online classes. Check if that school offers insurance to its students at a group rate.
post #31 of 57
Thread Starter 
That's a good idea, but nope - it doesn't offer any student services. It's very new, only a few years old, and still establishing itself.
post #32 of 57
double post, sorry
post #33 of 57
Are your children insured through the state? CHIP? Medicaid? Shake the tree and see what you are eligible for. The limits for kids are lenient & often you can buy into a state CHIP plan even if you're over the income requirements.

I have many friends who work only for the heath care. If you have too many pre existing issues it can be impossible to get any care. My aunt and my best friend have been flat out denied by every insurance provider out there. Only by working were the insurance companies forced to accept them.

That said, I also would not necessarily leave my kids to work for insurance if there was another way.

This sounds morbid, but do you have life insurance? It would keep me up at night thinking that me or my dh could die because of a major illness we couldn't afford to treat, and then my kids not being provided for after we were gone.
post #34 of 57
Are you saying it isn't accredited? Is there a way you can transfer to a more-established school, since it's online anyway, and receive services that way?

Also some states have something called a Free-lancers' Union offering health insurance. That might work for your husband, or for you, depending on what type of work you do. But if both of you are students anyway, and you don't qualify for Medicaid, it sounds like one of you really needs to be in a school that offers health insurance.

ETA: I'm not quite clear what's going on with the thing with your child's speech therapy and all that. Would it be possible for you and your DH each to get on your own individual policies, and then put your DC on your state's version of the S-CHIP program?
post #35 of 57
Thread Starter 
Nope, it's not accredited. It's working on accreditation. I'd go to another school (I was accepted into several, and I even had a professor strongly pushing me to apply to Yale Divinity where he had some say in the acceptance process) but I chose this one because it's the first Pagan seminary in existence. It is working on accreditation but it's a lengthy process. They just were approved to legal degree granting status; accreditation is still a ways away but should be retroactive. There are no other Pagan seminaries out there at this point. And none that I could afford, at that - I'm what's considered a legacy student so it's really cheap for me to go, because I've been involved with the school for years, even before they were legally degree granting, so they reward that commitment by very much reduced fees.

The kids both have Medicaid. As I wrote before, it's not something I really am comfortable with them on it long term. Where we moved from, the state benefits were great. Here, Medicaid is different. I don't know the whole story of policies and all, but let me try to explain.

In CT, where we moved from, you initially get a gray card which entitles you to the bare minimum state clinics. Then you get a white card which entitles you to... well, to not EVERY provider, but you have a wide choice, you get service just like everyone else, albeit with some limitations. Sometimes you have to provide additional tests like blood tests, drug tests, etc, and sometimes you can only come on certain days during the week, but it's still the same care. Here, there is only the equivalent of the gray card - you get the bare minimum of care, in practically one facility where everyone is sent to, and you can't go anywhere else, there are no choices, there are all sorts of official policies of what the state is allowed to do if you don't comply with their guidelines... Things like vaccinations, etc. It's a really bad system and I don't want the kids involved in it. I'm not too proud to accept help but I also don't want to be boxed into this whole system.

No, we don't have any life insurance. It's not something that we even considered.

What keeps me up more is that if we were to die, well if *I* were to die, there would be no one for them to go to - money or no. No family, no friends, nothing. If I died, DH would have to give them up to state care or something like that. It truly worries me and that DOES keep me up at night. If anything happens to me, the kids are screwed. Really. State care? Great... OK this whole thread is depressing me!

And I know a lot of people do choose to work only for health insurance. And like I said, I think that's the devil's bargain. I don't think anyone should have to be separated from their home, their family, their kids, go against their values - so that just in case they get ill they might be treated. If, at that point, their health insurance doesn't get canceled anyway - have heard WAY too many horror stories about insurance companies finding some reason not to pay money out when someone actually DOES get really sick. It really shouldn't be that way. It's very sad that people have to make that choice.
post #36 of 57
Quote:
No family, no friends, nothing. If I died, DH would have to give them up to state care or something like that.
That is heavy. Is there anyone at your seminary whose values you feel comfortable with, even if you don't know them that well? It never hurts to ask. People usually say yes. Online community, old college friends on facebook, anyone? Anything is better than foster care. If you or dh have any family living they will get your kids even if you are estranged, if no guardian is appointed.

Sorry, off topic and you didn't ask for advice. You're right, that would keep me up at night more than not having health insurance for me or dh.
post #37 of 57
Quote:
Originally Posted by Kaleanani View Post
And I know a lot of people do choose to work only for health insurance. And like I said, I think that's the devil's bargain. I don't think anyone should have to be separated from their home, their family, their kids, go against their values - so that just in case they get ill they might be treated. If, at that point, their health insurance doesn't get canceled anyway - have heard WAY too many horror stories about insurance companies finding some reason not to pay money out when someone actually DOES get really sick. It really shouldn't be that way. It's very sad that people have to make that choice.
Just to make this clear, people who have health insurance through work do not generally get their policies canceled when they get sick, because those are group plans. The companies try to avoid paying on whatever technicalities they can come up with, but they wouldn't cancel insurance altogether. They only are able to outright cancel the policy on an individual policy holder; that's where the main horror stories you describe come from. Not that it's legal in any case, of course, but the fraud is easy to perpetrate on individual policyholders and difficult to perpetrate on group policies (because they'd have to cancel the whole contract with the company).
post #38 of 57
Thread Starter 
DH doesn't have relatives except his dying mother - she's got a few months to live. My mother is the only living relative I have in the U.S. and I do *not* want her to get custody - she is very... hm. Toxic is a good word to use. To the point where I'd rather have a stranger raise them than her. That's horrible and really sad to say, but it's the truth.

The only online community I have is on MDC and these are really the only types of threads I get - I can't exactly be like, "hey, you responded to my question on health insurance a few months ago... you want to raise my children? "



The only people I have on my Facebook account are a couple of people I knew from high school that I considered friends, but I know for sure they don't consider me a friend as well, merely an acquaintance at this point. Half the time they don't even reply to my friendly emails to see what they're up to, or they respond with a one liner about how life is great. They live all over the world and are living very different lives than we do (not married, no kids on the mind, in fact babies are something to be actively avoided... career focused and partying, the typical single twenty somethings). If I asked any of them to be a godparent... oh I can only imagine the awkwardness.

I often write notes for my kids in case I do die to let them know about me and what we have done together. I want them to have that if they do end up going into foster care or something. I also am trying to write out a tentative homeschooling plan for them, at least the basics that I would want them to learn, in case by any miracle someone wanted to continue in my parenting path. I've always dreamed about, even before we TTC, what I would teach my kids in life before they set off in the real world. If I can't do it myself due to dying or something, I at least want a shot at having them learn the things I value, even if I can't be the one to teach them myself.
post #39 of 57
Thread Starter 
Quote:
Originally Posted by lolar2 View Post
Just to make this clear, people who have health insurance through work do not generally get their policies canceled when they get sick, because those are group plans. The companies try to avoid paying on whatever technicalities they can come up with, but they wouldn't cancel insurance altogether. They only are able to outright cancel the policy on an individual policy holder; that's where the main horror stories you describe come from. Not that it's legal in any case, of course, but the fraud is easy to perpetrate on individual policyholders and difficult to perpetrate on group policies (because they'd have to cancel the whole contract with the company).
Huh, that's interesting. Didn't know that! I have my fingers crossed that the alumni association's group policy is still active and not like, cut by budget cuts or something. Do those usually insure the whole families, or just the alumni? I'll ask them if they email me back obviously, their whole info page was down.
post #40 of 57
I think mine will cover families, but I haven't checked it out in a long time (and I never actually enrolled in it, it was just one option I was considering several years ago).

And I wasn't trying to say that you MUST get a job; just wanted to throw out a couple of companies that might work out, you know, if not having insurance was more stressful than working. I think you understand that we are all just responding with ideas
New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: Frugality & Finances
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › Anyone not able to get health insurance?