Working more on me!

[whatisis]

It makes that first heart attack a return on investment rather than a health issue...it's all perspective, Mish!

[kat727]

Is that for the 3 of you or just you? Isn't there also some kind of credit based on your income? I know it would vary quite a bit based on where you live in the country. You live in an expensive area. There isn't anyway to move to a more affordable area or are you needing to wait until Marc graduates?

I think we both need better paying jobs. I know I wouldn't pay enough to get a credit but I think you would. I am already covered through work. I might get on the site just to compare but I heard it was pretty well used today.

kat

[Underdog]

Mish,

I'm a small business owner, and I can tell you that even a high deductible plan for an individual nonsmoker is more than $500 per month on a company plan. That means you pay all the fees at 100% until you hit the annual $3500 deductible - catastrophic coverage. What my company pays for a family is more than my monthly rent. I can no longer offer insurance to my employees, so I have to boost their pay to help them a bit.

And just remember, that your taxes are paying for all the uninsured. You're paying it anyway. It's just not getting itemized on your tax bill so that you can see how much of the general fund has to pay per year.

Uh, and my gall bladder surgery a few years ago exceeded $18K.

It's really a tough situation.

Once I dropped the company premium, I went out on my own and saved $150/month through Anthem. They do offer individual policies (may be Blue Cross in your state).

Good luck-

Betsey

[mishka422]

That is me and Marc. I'm waiting a little while to see how this goes. I honestly can't afford a single extra dollar right now and I can't move until Marc graduates. Trust me though, it's in the works. After he's done I'm moving to the next county over. 10 miles equals about $300 a month savings in rent alone. Kat, you never said a more true statement than that - WE NEED BETTER PAYING JOBS!

Betsey, I hear ya. My company offers insurance, but just to cover me on the plan is over $700 a month with a super high deductible. No go. That's why I haven't had coverage in the last 6 years. I know what will happen if I have a serious medical issue and it gives me night terrors. UGH.

Like I said, just venting because it boggles my mind! My poor little pea sized brain just can't handle it all!

[oldtimer]

Mish,

If you can move and save that much money, why not drive Marc 10 miles to school? My guess is they'd let him finish his senior year.

[Underdog]

Mish,

Believe me, my heart goes out to you. My sister and I were just talking about this issue. It's a nobrainer when you have to choose between food and health insurance.

I'll send you lucky thoughts and prayers that you don't have anything happen. I truly, TRULY know what it means to be terrified of stuff like this.

OT, she's probably in a sitch like mine - you can't enroll someone in another county school and live in another. And I bet Marc is in the better of the 2 right now?

With D16 in special ed, I'm in the lovely position of not even being allowed to enroll her in a school outside of the school's physical boundaries.

Mish, I'm taking roommates with D19 being gone.

Betsey

[mishka422]

LOL! If you weren't so far away Betsey I'd take you up on it!

OT, Betsey is exactly right. I can't move to the next county and drive him the 10 miles to school and keep him in the HS he's in. I live in the top school district in GA, on purpose, to make sure Marc gets the best education he can and the ASD support he has to have. I only have to make it until next May/June. I'll make it until then. Scraping by, but I'll make it.

Betsey, in our county's Autism Triad program we are able to live anywhere in the county and be in the program but we have to take them to school ourselves. No bus service. Thankfully, I live in the immediate boundaries for the school so he gets bus pick up.

[Underdog]

Mish,

Good for you and your son! We have some autism programs in our district that operate the same way. My D16 isn't part of the spectrum - she has Angelman Syndrome - so she stays in her home school.

Like you, we specifically moved from our old house in another county into our neighborhood within this district because it IS the best all around - for my typical kid and especially my special needs one. They have very little room for open enrollment, even within the district - and that's for typical kids. I know of exceptions for special needs, but that has only happened in other schools and not ours. There are NO exceptions in mine. When my house was for sale last fall, I begged and pleaded for an exception in case I couldn't find a house within the boundaries (with supply being so limited then). I got a written reply: NO.

I have teacher friends within the district that had a tough time getting their kids into the system. Our HS has almost 4000 kids, and in a suburban area, that's pretty big. Heck, it's bigger than my college was.

Mish, our district allows you to stay the rest of the school year once the move has occurred, as long as you were in the residence in the boundaries the day school started. Not sure if that works for you? Like yours, we only get bus service to/from houses and day facilities that are within the physical school boundaries. Otherwise, you drive and pick up. Once she started HS, and the start time is 7:10 here, we knew that the bus would pick her up at 6:30. We think that is too long a day for her, as we pick her up from her after school program at 5. That's hard enough.

Good luck, Sweetie!

Betsey

[mishka422]

Thanks Betsey! I did check on the move but they said I had to at least remain in the county throughout the school year or he would have to transfer out of county so....no go. No point in moving within the same county, even if I could find a less expensive place I wouldn't want to stay there very long. The less expensive places are that way for a reason! LOL

[mishka422]

The anxiety is not going to overtake me! I WILL NOT LET IT!

There, I said it so I will make it so!

Gabe is leaving tomorrow for CA for his goddaughter's wedding. He has a feeling that while he is there his godson may get married as well as he will be home from Japan (he's a Navy SeeBee) for his sister's wedding and his fiance will be there too. We shall see. It always makes me a nervous wreck when he's gone but I'm not going to let it get to me so much this time.

Can you all make sure I stick to my word?