Friday, April 16, 2010
HMO's, PFO's, UFO's
I had no idea what a head ache I would be putting myself through when deciding to graduate 1 month before Jadyn is due. We were under the impression that we were covered for 6 months after I graduated...fail...in the real world this does no happen. My insurance is terminated on Monday. It's like D-day, only if I get injured I wouldn't be able to go to the doctor. But I did find a solution--- Extended Coverage! You can continue to get the lovely Deseret Mutual coverage for 9 more months, so long as you are willing to pay 6 times the amount you were paying while in school! (I feel like I may be overdoing it on exclamation points but I am fully exclaiming). Since we are 8 months in with a doctor there's no changing now so we will have to pay for one month of the "pay so much you almost would prefer just giving them your kidney" plan. So we have added a bit to the baby bill. Even still, a baby is a baby and you can't put a price on that, so I am happy nontheless!
Second, we are looking for another option after we have paid the dues, extending at least a couple more months of living with mom and dad---side note: I LOVE living with my parents, but will never feel that I am progressing completely until I am taking care of my own home, so I do want an end it sight. Plus I don't want a toddler still sleeping in the same room with mommy and daddy. Things could get slow-developing---We found an insurance company that is fairly low but will just add more to the pot. I am not planning on driving to Lousiville anymore for work so my hours are going to drop. Jace is working on finding work. And I just don't want to do Medicaid! Maybe I am too prideful. I don't want things handed to me, but I can't help thinking that the more insurance we pay more, the less able we will be to go out on our own eventually. How can we do this? I want to provide for my family, be a good mother, have insurance, buy a house in the future and it's all just so expensive! And the more I think about everything we need to buy and everything we need to have prepared, the longer I want Jadyn to wait. I am going to have another dream about my water breaking FOR SURE tonight.