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κατι 1 child; Memphis, Tennessee 3143 posts
6th Feb '13
Quoting loser mom:" If I took out insurance through my employer, I'd pay $1000 a month for a family policy. :shock:"


:(

ILOVEWINE Due April 24; 2 kids; Sweden 10814 posts
6th Feb '13

<blockquote><b>Quoting kthx.:</b>" Doesn't matter. It's breaking them financially. If they aren't using the insurance... they'd be better off to drop it and have more money to pay on bills they actually use/need."</blockquote>




What if one of them gets cancer ? Has a heart attack? Breaks their leg?

kthx. Due January 14; Cleves, Ohio 66515 posts
6th Feb '13
Quoting ILOVEWINE:" <blockquote><b>Quoting kthx.:</b>" Doesn't matter. It's breaking them financially. ... [snip!] ... bills they actually use/need."</blockquote> What if one of them gets cancer ? Has a heart attack? Breaks their leg?"


What if their heat gets shut off? What if their house is foreclosed on? What if their car is repossessed?



I mean, hey, as long as they had health insurance... right?

kthx. Due January 14; Cleves, Ohio 66515 posts
6th Feb '13

Something could inevitably happen either way. OP, you just have to decide which route is best for your family.

Mama J♡ Due February 24 (boy); 3 kids; Arizona 3116 posts
6th Feb '13

i'm with you, Ours is 665$ a month, for a family of 5! ( Kids are the only that really use it)
DH & I were talking about just keeping the kids in the insurance, maybe that will lower the price & just hope neither of us two ever get sick lol, but i have done some research and we have small family clinics around the area, they usually charge $20 per visit. & payment arrangements.

RonniG Due July 19; 1 child; Plentywood, Montana 2036 posts
6th Feb '13

I have thought of all the pros and cons. We can't afford it, but what if something happens. I also know I need to lose weight. I weigh more now than when I was 9 months prego. Ugh... Easier said than done right? I get sick of making all the household decisions. Even though my husband makes the money and the insurance is through his job, it will be up to me to figure out a solution and what needs to be done. I applied for state insurance for my son, thinking maybe I can at least get reduced cost insurance for him. But I think it takes forever to find out if he's accepted. Also, I know next year insurers can't deny me any more for my weight so it might be worth it to just scrounge by for another year and try to get a different plan.

RonniG Due July 19; 1 child; Plentywood, Montana 2036 posts
6th Feb '13
Quoting kthx.:" What if their heat gets shut off? What if their house is foreclosed on? What if their car is repossessed? I mean, hey, as long as they had health insurance... right


We already have our house being foreclosed on. And I have taken a night job working 10pm to 6am. Then I take care of my son all day. But my new job doesn't offer health plans.

ILOVEWINE Due April 24; 2 kids; Sweden 10814 posts
6th Feb '13

<blockquote><b>Quoting kthx.:</b>" What if their heat gets shut off? What if their house is foreclosed on? What if their car is repossessed? I mean, hey, as long as they had health insurance... right?"</blockquote>




I'd chose health insurance over a car anyday. And what when you are required to have insurance next year anyways....

Jane.Doe. Fukushima, Japan 2805 posts
6th Feb '13

I would call 211 on your phone or look up your local health department and ask them what options there are for families who need insurance. Here we have something called Peak Vista, you go and apply, give them your income info and they have a whole set up. Dentists, Gynos, Prenatal, nonemergency clinics, pediatricians, etc. That way you aren't totally without care, you would just end up paying out of pocket for appointments you actually go to and prescriptions you need instead of handing over a few hundred every month in case you use something. (I def. would not meet any kind of height weight requirement but they don't have one)

RonniG Due July 19; 1 child; Plentywood, Montana 2036 posts
6th Feb '13
Quoting Mama J♡:" i'm with you, Ours is 665$ a month, for a family of 5! ( Kids are the only that really use it) DH & ... [snip!] ... some research and we have small family clinics around the area, they usually charge $20 per visit. & payment arrangements."

It can be sooooo frustrating. I was telling my husband how shitty it is sometimes to belong to the lower middle class. Too broke to afford anything, but make too much money for government assistance.

kthx. Due January 14; Cleves, Ohio 66515 posts
6th Feb '13
Quoting ILOVEWINE:" <blockquote><b>Quoting kthx.:</b>" What if their heat gets shut off? What if their ... [snip!] ... I'd chose health insurance over a car anyday. And what when you are required to have insurance next year anyways...."


A lot of people need a car in order to even work. There are no bus services here, and it's too far of a bike ride/walk into the next town. So I needed a car.



And health insurance rates will be a lot more reasonable then. And stipulations that insurance companies have now based on weight, BMI, health, etc will no longer be in effect. It'll be a lot more doable next year.

RonniG Due July 19; 1 child; Plentywood, Montana 2036 posts
6th Feb '13
Quoting ILOVEWINE:" <blockquote><b>Quoting kthx.:</b>" What if their heat gets shut off? What if their ... [snip!] ... I'd chose health insurance over a car anyday. And what when you are required to have insurance next year anyways...."


How do you suppose we get to work without a car? I'm pretty sure that no work means no health insurance. Your logic is twisted.

loser mom 2 kids; 1 angel baby; Oslo, ,, Norway 10405 posts
6th Feb '13

OP, has your husband checked to see if he is even able to drop his insurance? A lot of employers will only allow you to drop your coverage during enrollment periods.

Mama J♡ Due February 24 (boy); 3 kids; Arizona 3116 posts
6th Feb '13
Quoting ILOVEWINE:" <blockquote><b>Quoting kthx.:</b>" What if their heat gets shut off? What if their ... [snip!] ... I'd chose health insurance over a car anyday. And what when you are required to have insurance next year anyways...."


Easy to say it, DH's job is 38 miles away, I don't see him riding the buss. He already does a 40 minute drive to go to work, and 40 minutes to come home.

Monique and Dominic's mom 2 kids; Wyoming 2768 posts
6th Feb '13

<blockquote><b>Quoting kthx.:</b>" Doesn't matter. It's breaking them financially. If they aren't using the insurance... they'd be better off to drop it and have more money to pay on bills they actually use/need."</blockquote>




Health insurance is much like car insurance. You may not need it right now, but it sure comes in handy when you do need it. You cannot treat health insurance as a luxury, it's a necessity. I know because I didn't have health insurance during and before my pregnancy with my first child and I did not qualify for state assistance. I'm still paying off my pregnancy, almost 5 years later. My husband had to have surgery, without insurance, we'd be owing thousands. My son was life flighted and the grand total, had we not had insurance would have been 40k with 2 ambulance rides, two hospitals and the flight itself. We pay a lot per pay check, but it's worth it.