Needing Health Insurance

[sharlan]

We picked up the COBRA in the beginning and carried on with it. Check out United Healthcare. That is who we have. I have diabetes, High blood pressure, High cholesteral, GERD and a benign breast cancer scare.

Gee, are we related????

[SandeeAR]

Gee, are we related????

LOL
::

[MyAngels]

Sorry if this is harsh but....

He's tired of paying for it? What the bleep!?! Arent those his kids, and aren't you his wife? It's BOTH your responsibilities to pay for that health insurance. And you have a job that doesnt have insurance, but it contributes MONEY to the household bills, so you have the money to pay for that health insurance! The way I see it, you are BOTH paying the health insurance! Part of having kids is being responsible enough to provide for their needs, which includes health insurance. What does your daycare income pay for? For instance my husband pays all the bills, but I pay all the household expenses. I buy all the groceries, and things we need for the house. I have NEVER ONCE felt like I was tired of paying for HIS groceries! Nor has he ever felt like he was tired of paying for MY car insurance.

I agree, health insurance is horribly expensive, and gets worse by the day. But it will be way cheaper for you through his work policy than if you purchase a policy on your own. Are you paying $500 for a month for 3 of you? If so, that is cheap for health insurance! Most plans now a days are a lot more than that.

If you are checking into purchasing a policy LOOK CAREFULLY a the policies. It may seem cheaper, but the coverage may be drastically lower. Health insurance can be very confusing.

If he thinks insurance is expensive, try going without it. If you or your kids get sick, you need to be able to get it taken care of. You dont want to have to compromise your childrens health because you are afraid to run up a drs bill.

All of this, especially the bolded part. One problem and your entire family could be bankrupted if you don't have adequate insurance.

We have pretty good insurance through hubby's work, but it is expensive, with a $3,500 deductible, then 80/20. Our son has had needed some surgeries in the past couple of years - our insurance has paid over a quarter of a million dollars for treatment, but our portion has been close to $10,000. I can't even imagine where we'd be if we didn't have "good" group insurance .

Heaven forbid you should have anything happen, but if you do, you and your hubby will be thankful that you paid all those expensive premiums.

[MG&Lsmom]

The law states that now insurance companies MUST pay for wellness things, like physicals, pap smears, etc. At least that is what I have been told by the insurance people I have been talking to....and that has been a lot of them.

I'm fighting both the bills as this was my understanding as well. It comes down to the fact that we have a deductible for diagnostics and how Harvard Pilgrim is getting around the law. It's ridiculous!

[mac60]

What people don't understand, especially those who have never been in the situation where they did not have health care or who have never had to pay it out of pocket, it is so very expensive. It isn't a matter of "you can't afford to be without it", it is a matter of do I pay my utility bills, buy groceries and put gas in the car. Seriously, my family knows what it is like to lose an income, lose health insurance, try to figure out how we are going to add an additional expense to our budget equal to another housepayment, all the while our income is cut in half. The way health insurance is offered in this country is a disgrace. Guess it pays to live off the system, as these people don't worry about health insurance and use it "freely".

[MarinaVanessa]

Arent those his kids, and aren't you his wife? It's BOTH your responsibilities to pay for that health insurance. And you have a job that doesnt have insurance, but it contributes MONEY to the household bills, .... The way I see it, you are BOTH paying ... Part of having kids is being responsible enough to provide for their needs... What does your daycare income pay for?

Yep, when my DH tried to get smart with me about how "little" I contributed to the household financially and how DC doesn't make us that much money I handed him two pieces of paper. One was quotes for what it would cost me to put 2 kids in DC and how much money I saved us by starting DC and watching my own kids. The other was a bill for half of our kids daycare based on my weekly fees that he didn't incorporate into what I contribute to the household's finances.

In my case you're talking about more than $16,000 a year that we're saving in DC for 2 kids. It really opened his eyes as he had never thought about it in that light.

[learn-n-grow]

I need health insurance as well and don't know where to look. My family doesn't qualify for medicaid anymore. The income cut off for a family of 5 is $1800/mth (like that's alot of money). My husband only works part time so he doesn't get health insurance.

[Sugar Magnolia]

Political....(sorry!)

This will boil your blood (if you are progressive like me)....Went to a ECE conference last year. One workshop was titled "Obama's Health Reforms and the Child Care Industry" I'm thinking....oh good, maybe some info about how I may be able to finally afford health care. Nope. It was VERY right-wing slanted, bashing the program, and denigrating universal health care,etc. The 'speaker' went so far as to tell us to get involved and write to our congressmen and vote against Obama. Couldn't take it anymore so....ummmm....I made a scene. A BIG scene. My husband had to drag me out, but I did get a round of applause on my way out! :: I b****ed a fit to the conference promoter. Several other people walked out as well, grumbling. With the audience being mostly minorities, women (except for my husband :sunny, low-paid and uninsured, it did not go over well.

I don't want free health care. I want affordable health care. I want a deductible that's reasonable, coverage that won't be dropped if I get sick and a company that will treat me fairly. IS THAT TOO MUCH TO ASK?!?!? In the meantime, I will NOT being paying United Healthcare the $875 a month they quoted me. Instead, I'll just PAY the doctor when someone gets sick and PRAY I don't get a major illness. My BIL has cancer. And a $285000 bill. The stress of the bill is what's killing him. Sad.

[sharlan]

This will boil your blood (if you are progressive like me)....Went to a ECE conference last year. One workshop was titled "Obama's Health Reforms and the Child Care Industry" I'm thinking....oh good, maybe some info about how I may be able to finally afford health care. Nope. It was VERY right-wing slanted, bashing the program, and denigrating universal health care,etc. The 'speaker' went so far as to tell us to get involved and write to our congressmen and vote against Obama. Couldn't take it anymore so....ummmm....I made a scene. A BIG scene. My husband had to drag me out, but I did get a round of applause on my way out! :: I b****ed a fit to the conference promoter. Several other people walked out as well, grumbling. With the audience being mostly minorities, women (except for my husband :sunny, low-paid and uninsured, it did not go over well.

I don't want free health care. I want affordable health care. I want a deductible that's reasonable, coverage that won't be dropped if I get sick and a company that will treat me fairly. IS THAT TOO MUCH TO ASK?!?!? In the meantime, I will NOT being paying United Healthcare the $875 a month they quoted me. Instead, I'll just PAY the doctor when someone gets sick and PRAY I don't get a major illness. My BIL has cancer. And a $285000 bill. The stress of the bill is what's killing him. Sad.

I won't risk being without insurance. I was having chest pains last Oct. 3 wks of testing racked up $60k to find out my heart was fine, I was over stressed. (No fooling, I've been that way for 3 yrs now.) I paid less than $1K.

[Sugar Magnolia]

I won't risk being without insurance. I was having chest pains last Oct. 3 wks of testing racked up $60k to find out my heart was fine, I was over stressed. (No fooling, I've been that way for 3 yrs now.) I paid less than $1K.

I hear you Sharlan! I am scared to death someone in my family will get hurt or sick. I worry about not having insurance every SINGLE day. It shouldn't have to be like this.....I see what it has done to my BIL....and I am truly scared.

[Cat Herder]

I don't want free health care. I want affordable health care. I want a deductible that's reasonable, coverage that won't be dropped if I get sick and a company that will treat me fairly. IS THAT TOO MUCH TO ASK?!?!?

You have my vote Sugar...

OP, maybe you should calculate up for him the monthly cost of alimony, child support PLUS being responsible for providing health insurance?

That is what quite a few of my clients had to deal with while whining about being lonely and not meeting any women whom they could tolerate for more than 10 minutes at a time... Dating after 30 is a real lesson is comedy and tragedy...

I do hope you find a way to afford medical coverage that suits...

I just REALLY have a problem with the fact that he is whining about having to provide for his OWN children, IYKWIM???

Sending love... Hopefully it is just a frustration and stress phase of your marriage and you are the only "B**tching post" he has. I do understand that...we all need one. Typically after the immediate situation resolves they apologize and come bearing gifts...