Announcement

Collapse

Disclaimer - Read This First

Disclaimer

This website contains general information about medical and educational conditions and treatments. The information is not advice, and should not be treated as such.

The educational and medical information on this website is provided “as is” without any representations or warranties, express or implied. Cheryl Swope, M.Ed. and Memoria Press make no representations or warranties in relation to the information on this website.

You must not rely on the information on this website as an alternative to medical advice from your doctor or individualized advice from any other professional healthcare or educational provider. If you think you or your child may be suffering from any medical condition you should seek immediate medical attention.

You should never delay seeking medical or educational advice, disregard medical or educational advice, or discontinue medical or educational treatment because of any information on this website.
See more
See less

OT: anyone faced something like this?

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

    #16
    Re: OT: anyone faced something like this?

    Originally posted by Anita View Post
    But our health insurance runs out on Saturday. Not ideal. Say a prayer for our collective good health.
    I'm so sorry to hear this! I believe you have 30 days to sign up for COBRA, and I believe it's retroactive if something does happen in that time. It's not ideal due to it's price, but it's a safety net. I think Obamacare open enrollment has started or starts soon too.

    Prayers for good health, new insurance, and a new job!
    Michael
    Memoria Press

    Comment


      #17
      Re: OT: anyone faced something like this?

      Originally posted by Anita View Post
      Good to hear, Jen. Track your symptoms. Be aware. Give yourself a mental outlet and rest. Exercise. Stay away from alcohol (a depressant). You know what to do. Dealing with that, working, and rearing/educating children is a full plate. I’m glad you’re feeling better.

      We are in the midst of an unexpected layoff over this way. But, weirdly, no one is depressed. Hubby and I are both enjoying each other’s company. This is the most the kids and I have seen him in years. We’re having a lot of fun. Severance and other benefits, plus some belt-tightening, will mean we are fairly well covered for about 7 or 8 months of unemployment. But our health insurance runs out on Saturday. Not ideal. Say a prayer for our collective good health.

      Oh wow. We went through this in 2008 -- my husband was working in the housing industry when the recession hit. We had the exact opposite financial setup though: no severance but they gave us two months' advance warning and they allowed us to stay on the company insurance until the end of the year because I was pregnant. This was a huge blessing as C ended up being a semi-emergency, c-section preemie.

      Prayers that it continues to be a blessing-in-disguise!
      Jennifer
      Blog: [url]www.seekingdelectare.com[/url]

      DS16
      MP: Lit 10, VideoText Algebra
      MPOA: High School Comp. II
      HSC: Spanish I, Conceptual Physics, Modern European History, and electives

      DS15
      MP: Biology, Lit 10, VideoText Algebra, Greek Tragedies
      MPOA: High School Comp. II, Fourth Form Latin
      HSC: Modern European History

      DS12
      7M with:
      Second Form Latin, EGR III, and HSC for US History

      DS11
      SC Level 4

      DD9
      3A, with First Form Latin (long story!)

      DD7/8
      Still in SC Level 2

      DD 4/5
      SC Level C

      Comment


        #18
        Re: OT: anyone faced something like this?

        Thanks, y’all. ❤️ This is our first ever layoff. It happens. I’m grateful for the love, support and prayers.
        Boy Wonder: 10, MP2/SC4 (Special Needs)
        Joy Bubble: 8, MP2 (Special Needs)
        Snuggly Cowboy: 6, MPK
        Sweet Lightness: 2, Reverse-Engineering Specialist

        “Have no fear of moving into the unknown. Simply step out fearlessly knowing that I am with you, therefore no harm can befall you; all is very, very well. Do this in complete faith and confidence.”
        ~Pope St John Paul II

        Comment


          #19
          Re: OT: anyone faced something like this?

          Ugh! Just now seeing this.

          Jennifer, I'm so sorry about the new bout of depression. You know I 'get it' after connecting at Sodalitas and privately through email. Here just today you and I were swapping emails and I had no idea! Why? Because you are a giver and someone who wants to ministers to others. Love you in the Lord, beautiful one. I'm so thankful for YOU and all you are. More later....

          Anita, so sorry to hear about the lay-off. We've encountered that. In fact, it is what threw us across country in January '09 to the foreign land known as "The East Coast", away from all we knew and loved in California. We took our one-way flights the night before Obama was inaugurated. We didn't have a dime to our name. These were the years we almost lived in pediatric ICU. So I get the insurance coverage thing. Jobs, insurance, trauma and years later....we live in a small town, my hubby not making the best salary for the experience he has....and we are uninsured. Today we are facing new added $1200 per month in medical debt to one of my son's reoccurrence of a health issue he has....no fun. We were just about to join "Samaritan Ministries" and then this happened. (That means, I guess, we can't join Samaritan Ministries as this son cannot have a pre-existing condition to get Samaritan.) I pray every single day for God to protect our family from something given we've been uninsured for years. This son's health set-back has caused the other son not to get the therapy he needs. It's all so awful. There's literally nothing getting me through the day except the grace of the Lord. One day at a time. And He is enough.

          Hugs all around .....may the peace of the Lord be with you, and us, all tonight. And forever more. What else is there?

          SusanP in VA

          Comment


            #20
            Re: OT: anyone faced something like this?

            Originally posted by SPearson View Post
            Ugh! Just now seeing this.

            Jennifer, I'm so sorry about the new bout of depression. You know I 'get it' after connecting at Sodalitas and privately through email. Here just today you and I were swapping emails and I had no idea! Why? Because you are a giver and someone who wants to ministers to others. Love you in the Lord, beautiful one. I'm so thankful for YOU and all you are. More later....

            Anita, so sorry to hear about the lay-off. We've encountered that. In fact, it is what threw us across country in January '09 to the foreign land known as "The East Coast", away from all we knew and loved in California. We took our one-way flights the night before Obama was inaugurated. We didn't have a dime to our name. These were the years we almost lived in pediatric ICU. So I get the insurance coverage thing. Jobs, insurance, trauma and years later....we live in a small town, my hubby not making the best salary for the experience he has....and we are uninsured. Today we are facing new added $1200 per month in medical debt to one of my son's reoccurrence of a health issue he has....no fun. We were just about to join "Samaritan Ministries" and then this happened. (That means, I guess, we can't join Samaritan Ministries as this son cannot have a pre-existing condition to get Samaritan.) I pray every single day for God to protect our family from something given we've been uninsured for years. This son's health set-back has caused the other son not to get the therapy he needs. It's all so awful. There's literally nothing getting me through the day except the grace of the Lord. One day at a time. And He is enough.

            Hugs all around .....may the peace of the Lord be with you, and us, all tonight. And forever more. What else is there?

            SusanP in VA
            Indeed. Adding you to my prayer list ❤️
            Boy Wonder: 10, MP2/SC4 (Special Needs)
            Joy Bubble: 8, MP2 (Special Needs)
            Snuggly Cowboy: 6, MPK
            Sweet Lightness: 2, Reverse-Engineering Specialist

            “Have no fear of moving into the unknown. Simply step out fearlessly knowing that I am with you, therefore no harm can befall you; all is very, very well. Do this in complete faith and confidence.”
            ~Pope St John Paul II

            Comment


              #21
              Re: OT: anyone faced something like this?

              Originally posted by SPearson View Post
              Ugh! Just now seeing this.

              Jennifer, I'm so sorry about the new bout of depression. You know I 'get it' after connecting at Sodalitas and privately through email. Here just today you and I were swapping emails and I had no idea! Why? Because you are a giver and someone who wants to ministers to others. Love you in the Lord, beautiful one. I'm so thankful for YOU and all you are. More later....

              Anita, so sorry to hear about the lay-off. We've encountered that. In fact, it is what threw us across country in January '09 to the foreign land known as "The East Coast", away from all we knew and loved in California. We took our one-way flights the night before Obama was inaugurated. We didn't have a dime to our name. These were the years we almost lived in pediatric ICU. So I get the insurance coverage thing. Jobs, insurance, trauma and years later....we live in a small town, my hubby not making the best salary for the experience he has....and we are uninsured. Today we are facing new added $1200 per month in medical debt to one of my son's reoccurrence of a health issue he has....no fun. We were just about to join "Samaritan Ministries" and then this happened. (That means, I guess, we can't join Samaritan Ministries as this son cannot have a pre-existing condition to get Samaritan.) I pray every single day for God to protect our family from something given we've been uninsured for years. This son's health set-back has caused the other son not to get the therapy he needs. It's all so awful. There's literally nothing getting me through the day except the grace of the Lord. One day at a time. And He is enough.

              Hugs all around .....may the peace of the Lord be with you, and us, all tonight. And forever more. What else is there?

              SusanP in VA
              Anita, Susan, Jennifer, I am really sorry to hear about all these various difficulties. I will pray for you!

              I did want to share that we were part of Samaritan Ministries for several years, and it is very affordable compared to health insurance. Most of that is because it doesn't cover behavioral health or pre-existing conditions. But, they have an additional piece to the program where any uncovered expenses (such as therapies) are presented for Samaritan members to donate towards. And a lot of people do donate to help with those uncovered expenses. Anyway, it may be that Samaritan for the whole family plus some type of additional insurance for the child with a preexisting condition would be your most affordable option.

              Peace to you!
              Catherine

              2019-20
              DS16, 10th
              DS13, 7th
              DS11, 6th
              DD11, 6th
              DS7, 1st
              DD4, JrK
              DS 17 mos

              Homeschooling 4 with MP
              2 in classical school

              Comment


                #22
                Re: OT: anyone faced something like this?

                Susan & Anita,

                Because we're self-employed, the health-share type programs are too expensive for us and they may be for you in your current situations. We also found some "statement of faith" issues with one of them; I emailed to clarify what they meant by something and from what I remember it resulted in an interesting conversation on Mary's preservation from sin. Basically, by signing their statement of faith we would have been denying it/lying about our belief in it in order to participate in their program.

                Anyways...

                You have to watch which plans cover objectionable procedures, but one of our state's medicaid programs has been a great help for our kids. I don't think pre-existing conditions are a problem and the coverage has been good. In Indiana, if your income is too little for regular insurance but too much for free medicaid, you can be on the medicaid program for a small monthly payment. Depending on your income, the payment can be very small.
                Jennifer
                Blog: [url]www.seekingdelectare.com[/url]

                DS16
                MP: Lit 10, VideoText Algebra
                MPOA: High School Comp. II
                HSC: Spanish I, Conceptual Physics, Modern European History, and electives

                DS15
                MP: Biology, Lit 10, VideoText Algebra, Greek Tragedies
                MPOA: High School Comp. II, Fourth Form Latin
                HSC: Modern European History

                DS12
                7M with:
                Second Form Latin, EGR III, and HSC for US History

                DS11
                SC Level 4

                DD9
                3A, with First Form Latin (long story!)

                DD7/8
                Still in SC Level 2

                DD 4/5
                SC Level C

                Comment


                  #23
                  Re: OT: anyone faced something like this?

                  Originally posted by jen1134 View Post
                  Susan & Anita,

                  Because we're self-employed, the health-share type programs are too expensive for us and they may be for you in your current situations. We also found some "statement of faith" issues with one of them; I emailed to clarify what they meant by something and from what I remember it resulted in an interesting conversation on Mary's preservation from sin. Basically, by signing their statement of faith we would have been denying it/lying about our belief in it in order to participate in their program.

                  Anyways...

                  You have to watch which plans cover objectionable procedures, but one of our state's medicaid programs has been a great help for our kids. I don't think pre-existing conditions are a problem and the coverage has been good. In Indiana, if your income is too little for regular insurance but too much for free medicaid, you can be on the medicaid program for a small monthly payment. Depending on your income, the payment can be very small.
                  Jennifer,
                  I'm so sorry to hear you had a bad experience! If you ever are in a position to consider it again, you might be interested in the separate branch Samaritan Ministries has created for Catholics called Curo:

                  http://cmfcuro.com/web/

                  (although Catholics can still be a part of the original Samaritan too).
                  Catherine

                  2019-20
                  DS16, 10th
                  DS13, 7th
                  DS11, 6th
                  DD11, 6th
                  DS7, 1st
                  DD4, JrK
                  DS 17 mos

                  Homeschooling 4 with MP
                  2 in classical school

                  Comment


                    #24
                    Re: OT: anyone faced something like this?

                    Originally posted by jen1134 View Post
                    Susan & Anita,

                    Because we're self-employed, the health-share type programs are too expensive for us and they may be for you in your current situations. We also found some "statement of faith" issues with one of them; I emailed to clarify what they meant by something and from what I remember it resulted in an interesting conversation on Mary's preservation from sin. Basically, by signing their statement of faith we would have been denying it/lying about our belief in it in order to participate in their program.

                    Anyways...

                    You have to watch which plans cover objectionable procedures, but one of our state's medicaid programs has been a great help for our kids. I don't think pre-existing conditions are a problem and the coverage has been good. In Indiana, if your income is too little for regular insurance but too much for free medicaid, you can be on the medicaid program for a small monthly payment. Depending on your income, the payment can be very small.
                    This is good to know.

                    We will likely just go the uninsured route, though. We don’t qualify for aid (even in our unemployed status) but we can’t afford COBRA. We don’t qualify for a lot of the share programs either. My husband is speaking with a lawyer about the legalities of the severance agreement today and they are expiring asking for a formal extension of health benefits. So there’s that.

                    We do not have any chronic or pre-existing health concerns here. And we don’t do any out of home therapies. We generally tend to only need a dr for booster shots, rare ear infections and the occasional eye exam. Urgent care and a local optometrist can cover those if need be.
                    Boy Wonder: 10, MP2/SC4 (Special Needs)
                    Joy Bubble: 8, MP2 (Special Needs)
                    Snuggly Cowboy: 6, MPK
                    Sweet Lightness: 2, Reverse-Engineering Specialist

                    “Have no fear of moving into the unknown. Simply step out fearlessly knowing that I am with you, therefore no harm can befall you; all is very, very well. Do this in complete faith and confidence.”
                    ~Pope St John Paul II

                    Comment


                      #25
                      Re: OT: anyone faced something like this?

                      Originally posted by Anita View Post
                      This is good to know.

                      We will likely just go the uninsured route, though. We don’t qualify for aid (even in our unemployed status) but we can’t afford COBRA. We don’t qualify for a lot of the share programs either. My husband is speaking with a lawyer about the legalities of the severance agreement today and they are expiring asking for a formal extension of health benefits. So there’s that.

                      We do not have any chronic or pre-existing health concerns here. And we don’t do any out of home therapies. We generally tend to only need a dr for booster shots, rare ear infections and the occasional eye exam. Urgent care and a local optometrist can cover those if need be.
                      Do look into catastrophic insurance. It is a lot less than health insurance and will protect you from financial ruin if you or your family is in an accident. It could be a good option for your family if you aren't able to get health benefits extended.
                      Cheryl, mom to:

                      ds 24, graduated
                      ds 23, graduated
                      dd 15, 9th Grade
                      dd 12, 6th Grade
                      ds 10, 4nd Grade

                      Comment


                        #26
                        Re: OT: anyone faced something like this?

                        Originally posted by Cheryl in CA View Post
                        Do look into catastrophic insurance. It is a lot less than health insurance and will protect you from financial ruin if you or your family is in an accident. It could be a good option for your family if you aren't able to get health benefits extended.
                        We might be able to get help through USAA or our VA military benefits as well. Thanks!
                        Boy Wonder: 10, MP2/SC4 (Special Needs)
                        Joy Bubble: 8, MP2 (Special Needs)
                        Snuggly Cowboy: 6, MPK
                        Sweet Lightness: 2, Reverse-Engineering Specialist

                        “Have no fear of moving into the unknown. Simply step out fearlessly knowing that I am with you, therefore no harm can befall you; all is very, very well. Do this in complete faith and confidence.”
                        ~Pope St John Paul II

                        Comment


                          #27
                          Re: OT: anyone faced something like this?

                          Originally posted by Anita View Post
                          We might be able to get help through USAA or our VA military benefits as well. Thanks!
                          You're welcome :-) I hope you can find something to protect your family until your hubby has a new job!!
                          Cheryl, mom to:

                          ds 24, graduated
                          ds 23, graduated
                          dd 15, 9th Grade
                          dd 12, 6th Grade
                          ds 10, 4nd Grade

                          Comment

                          Working...
                          X