Wednesday, November 9, 2016

Ugh! Insurance...

So there are a lot of things that weigh on my shoulders. A lot of the day. Every single day. It's the thing that happens, when you become the one responsible for everything. Being a caregiver, is much more than taking physical care of a person. It's more than making sure the person you are caring for is fed, bathed, and safe.

There are all the other things. When my Mom was hospitalized in September, there was a ton of paperwork to be done. Her medical background. Getting all her care and treatments organized. You start on things like medical paperwork. Which usually means Living Wills, a regular Will, course of treatment, insurance, Power of Attorney, Estate Planning, DNR...

You are all of a sudden, having those tough talks. My Dad didn't want to deal with any of this stuff, when he got sick. He signed some papers, when the nurses and social workers talked to him. Just them and my Dad. And that was that. My Mom and I know, how important it is, to get this crap in order. So important!

In fact, I think I'm way ahead of my parents. When I was 20, I did all this stuff. Sure, I was working in a hospital. And it was required of me. But I still got it in order. I have a signed DNR. My will is in order. Every I is dotted, every T is crossed. And I update my paperwork, every single year!

But now, it was time for my Mom. And time to get insurance. The thing she had been looking into for a while. Trying to find something that worked. Something that didn't break the bank. And something that she could easily roll, into the insurance that she really wants. The same one, my Dad had. She's not eligible until early next year. Ugh!

During the last two months, we've hit many roadblocks. It's frustrating as crap. How in the world, do you set up legal documents with no problems...but have all these issues with insurance. It's beyond frustrating. She's not old enough for this. Too sick for that. Needs A 100% diagnosis for this one. Can't afford $2000 a month. Makes $50 too much for that. Needs to be working for this one. Oh, yeah there is a waiting period of 6 months for that one too.

Call after call, I get more frustrated. I want to hit a wall. Scream! Whatever. We've been to so many offices. Talked to more people, than I can remember. In fact, I was pretty frustrated last Friday. Watching all these families qualify for assistance. Because they are illegally here. And have children. By no means, am I putting them down. But it's frustrating to see someone like my Mom, who has worked her entire life...not get help. But these people with 5 and 6 kids, not working, getting everything under the sun.

Then I thought, I can go back to work full time. I was on a part time schedule for years. While I cared for my Dad. After his passing, I wasn't ready to jump head first into it again. 120 hours, in that tough. But in the Summer, I started to get my toes wet again. Would go in for a shift or two. Working 48 hours a week. Whatever they needed.

So maybe I could go back. Then I could add my Mom, to my insurance. I can't, while I'm part-time. But that wouldn't work. She can't be left alone. Can't do much by herself. And if I did go back to work, we'd need to hire a full time nurse. Which after looking into it, with a few friends from work...didn't make any sense at all. Not financially. Not with her care. Not for my career.

Back to square one, I went. There are a few more options left. Not many. But my fingers and toes are crossed. We can pay a HUGE fee, until February or March. Maybe even get insurance. We can continue to pay out of pocket. Or we can just wait. To me, that last one, is not an option.

But that's kind of the way, things are going. Right at this minute. Obama Care, is for the birds! Because maybe legally, insurance companies can't deny you insurance. But in real life situations, it's still happening. Some say, it's because of reasons A, B, or C. Maybe all three. And other companies are so high, that you could NEVER afford to have insurance. Having a major health issue, is just not working out...

I know how expensive my Mom's care is looking. Just from this side. Even if she had my Dad's insurance. If you add to that, and insurance bill of even $1000 a month...we're in deep trouble! So I'll keep making calls. Digging around. Hoping, against all odds...that I find something. Sometimes I wonder, if being an American America, doesn't work against you. I'm not lying. It's the truth. I'm so proud to be a citizen. Natural born. Hard working. Positive member of society. But really, what does a lifetime of hard work get you? 🐦

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