Posts Tagged ‘Health Insurance’

So I thought I’d try and share an update on where we’re at with certain topics I’ve discussed here…

The Mortgage – the State and the Non-Profit came through for us – we were awarded a 5-Month Period of Payments on the Mortgage, we’ll pick back up in January 2017.  That being said I am seriously scared to death on what’s going to happen come January.  The non-profit contact did tell us that we can apply for some sort of “gap” funds…whatever that is should our situation not change.

My Job – I was hired on Part-Time with a Southern Retail Department Store – initially I was in the Fine Jewelry Department, but the Part-Time hours just weren’t enough.  So after discussing it with the counter manager we put my name into the pot to move into the Ready-to-Wear Women’s Clothing Department, FULL-TIME! I actually got my benefits packet in the mail today,  WooHoo!

With that being said – Insurance – We applied for Insurance through DSS sometime early last month for my husband and I – and we found out today that we were approved, WooHoo!! So I might hold off on enrolling in benefits through work (medical at least for now) to conserve some funds.

We also started the process for my husband’s Disability – the paperwork has been sent back in and he’s had his physical – they called today to clarify some things and then stated more paperwork is headed our way for him to complete – we really NEED this Miracle.  So hoping they approve him so we can get some stability – though 9 times out of 10 the applicants are denied the first go-round…we have until January…ugh

The other item we need to decide on is Silver…she’s really more than we can afford each month with her $540.00 payment – $273.00/mos insurance – and Gas…so we’re trying to determine what we’re going to do with her.  As much as it would break my heart to part with her, I can’t seem to see us being able to continue to pay for her…

The other upswing in our household is that about two weeks ago we adopted a new baby girl for my Son – I took him to PetsMart and we found him a new baby, we welcomed Josina (now named Sakura) into our house – she’s a four month old little lady whose just made herself to home!

And yes I am still cruising through my Cook/Bake from Scratch journey!  More of that to come!

Well here we are roughly a month out from my Hubby losing his job – the job search is still going – he spends the better part of his day searching for and applying to new jobs – he’s had two bites – both Pet Retailers – one has sent him for a Drug Screen and are doing a Background Check but we wait…and we wait…and wait some more…in the mean time we’re doing our very best to try and get by.  That’s a good way to put it – get by.

After my last post I did do some thinking, digging, investigating and decided to open an Etsy shop to try and sell some of my crochet – so here it is

YarntoAfghan Creations on Etsy – Click on the Image

Yarn to Afghan Creations (1)

I also have a Website where I blog about my work and share the latest and greatest projects, such as these

Black Pink White Baby Blanket Boy Flip Fops Completed with Buttons 1 Burgundy-Gold Scarf wtih Fringe Crochet Pattern Booties Completed 1 Green Yellow White Afghan Hat & Scarf Multi-Colored Chevron Scrapghan Redskins Baby Blanket with Hat Roses 2

So I do it all – blankets, hats, scarves, etc. I haven’t attempted any sweaters/clothes, but that’s next I’ll bet!

Anyhew – this venture hasn’t brought in much other than the $75.00 for the previous afghan and about $40.00 for the White Flip Flops for a friend.  The other two projects are just about finished, putting finishing touches on one as we speak and will be delivering those this weekend.

So now down to the Nitty Gritty

I have added us to my Company’s Health Insurance and that literally eats into 2/3 of my paycheck, rendering my last one less than $300 – how is someone supposed to live on that? Ugh – we’re still waiting for his Unemployment and our Food Stamps – both places have told us it’ll be another 3-Weeks before we receive either of those benefits, lovely right?  So until then we borrow from Peter to pay Paul – so I borrowed from the Vehicle tax payment to pay the water bill yesterday, $174 to prevent shut-off.   I will say this though – being on the company benefits + having enrolled in our living well program did give us a discount + it’ll reimburse me quarterly for my Monthly gym membership dues…so YAY there! I’ve filed for 1st & 2nd Quarter and am waiting for that payment.

If there was more Overtime to be had I’d take it – but alas there’s not – I am so slow at work right now I am literally going insane sitting here day in and day out.

On the upside though my daughter went back to school today – year round school – and her supply list was all of (4) Four items + 1 donation item for the classroom and we managed to find her a pair of sneakers at a Thrift store here in town for like $10.00, and since school just let out 6-Weeks ago she hasn’t grown so much we need to replace her entire school wardrobe, Thank Goddess for that!

So that’s where we are right now…

Well here we are it’s been two weeks since my hubby lost is job and we’re still very much up in the air…nothing has been settled apart from getting us on my company’s insurance, we’re still waiting for the cards, but everything else is pretty much settled.  Thankfully!

When I last touched base with everything he’d just lost his job – the AC was out – hubby scoured the internet and found a company that was willing to work with us financially and they sent a technician out the next day and repaired our unit for $200 ($100 paid when he did the repairs and the balance was paid that Friday when I got paid)

Then the SAME day our AC was out my Hard Drive on my computer (work) had crashed – did I mention that little nugget?  Yeah it took a nose dive onto the floor and BAM the hard drive was toast…ugh managed to get it to the IT team here at work – they replaced the hard drive and got me back up and running – however, I’ve spent the last two weeks rebuilding all of my work documents.

And then on Tuesday my hubby posts to Facebook that our Washer Exploded…yeah you read that right EXPLODED – not quite literally – but just the same the thing decided it was going to break down in such a way that there’s no hope we can jerry-rig it.  We have a Front Loader Frigidaire washing machine w/matching dryer, they were housewarming gifts from my Grandparents when we closed on the house, total cost was like $1100 for the pair, and this was seven years ago mind you.  About a year ago the lock on the washer went out and the spin cycle decided to not work properly we’ve managed to jerry rig it so that we can run the spin cycle and it worked – well hubby was running my daughter’s laundry post camp when mid-cycle he heard a loud bang…he went into the laundry room and found this

Washer 1Washer 4

Yup the glass on the door just imploded! He called Frigidaire yesterday and they offered to SELL him a warranty for $400 and then they’d sent out a technician ON OUR DIME to see IF (yes I said IF) it needed replacing or could be repaired…so yeah we’re screwed – as of right now we can’t run any laundry and with four people in the house its piling up quickly.

On a positive side note a couple of weeks ago I posted on the Wilmington Buy-Trade-Sell Facebook group a free scrapghan and the flood gates just opened – EVERYONE wanted it – and some people even requested I make them afghans – some were serious – others not so much – I’ve already sold one, a pink Granny Square style one, isn’t it pretty? I was almost finished with it when she requested a Pink/White afghan – I told her I was almost finished with this one and she grabbed it – we agreed on a price and she paid me $75.00 for it!

Pink Afghan

Thus far only one woman has been serious about it and she ordered two afghans – one a daisy granny square pattern and the other a chevron pattern one…the daisy afghan is done, and I’m just getting started on the chevron pattern one – here’s the Granny Square one

Daisy Afghan 1 Daisy Afghan 2 Daisy Afghan 3

So Pretty!  I’m not sure how much she’s willing to pay for them – she said cost of supplies + so we’ll see – I am super excited about this!

In the meantime we pray and hope – hubby is headed to DSS today to try and get us Food Stamps – we’re still waiting to hear back on whether or not he’ll get his unemployment – evidently his employer isn’t being responsive to the ESC, wonderfrigginful – so we wait…later in the summer may be looking at some VERY hard decisions – especially about our home – we obviously can’t afford the house + the van + the insurance + feeding ourselves + groceries + utilities so if he doesn’t get a job &/or the unemployment + food stamps don’t fall in line we’re screwed.  We know for sure we HAVE to keep the Van – we need our reliable transportation, so when it comes to pay the mortgage or pay the van we’ll pay the van…we’ll see – but most likely our options are these:

1. Walk away from the house and my job and head back to MD – NOT my top idea honestly – if this happens it’ll be on the coast of MD – I have to be on the coast

2.  Walk away from the house and my job and hit the road in Silver (van) and just drive around the country camping, living out of Silver, homeschooling the kids and working odd jobs

3.  Walk away from the house, keep my job, stay in NC and move into a cheaper home – the only issue I foresee here is our five furbabies…

Until we know for sure what we’re doing the balls are in the air – quite literally…

Until next time…

Ok so here’s the deal – when Jimmy lost his job in 2008 we also lost 80% of our income and our health benefits as well – so immediately we applied for State Health Insurance and for a time all four (4) of us qualified – that is until I began working full-time again and Jimmy & I no longer qualified, but the kids were able to keep their benefits.  Then in 2011 Jimmy went into the hospital for a torn ligament in his thigh that was bleeding out – the hospital got the two of us back on Medicaid for a brief period to cover the costs of the hospital.   Once that (6) six months was up we no longer qualified and I was ok with that.  Then he got full-time at work and along with that came the full-time benefits – ok not a problem, it was an extra $76/week from his paycheck to cover our costs, which in reality was a loss of something like $30.00/week as it balanced out with taxes, etc…BUT the kids were still on NC Health Choice for the time being…

Now we go to re-apply for their benefits last week and BAM we’re told once again we make too much for the kids to remain on NC Health Choice unless we pay a monthly deductible – which the state files as “affordable” at $172.10 per child PER MONTH! That’s $344.20/Mos for health care for the kids – someone PLEASE tell me how that is affordable???? PLEASE!!!!  That’s more than my monthly car payment…um who in the WORLD thought that one up???  In the past we had an annual deductible of $100/yr…

So I am having Jimmy call DSS today to see if that was actually their final decision, or if they are still reviewing the case – this needs doing today because Ashley has an appointment with Dr. A this afternoon to go over her ADHD meds/weight check, etc.  Austin still has his weekly OT Appointments and his own appointments with Dr. Robby and Ms. Rivenbark (his therapist) at school to mitigate his own issues – we simply cannot stop going to these appointments…nor can we reasonably afford to add the kids to Jimmy’s already pricey health insurance…UGH UGH UGH….So you see our dilemma?

It’s a double-edged sword…seriously!