Monday, April 05, 2010
Without a Paddle (or Health Insurance)
I got a letter from Jamie's health insurance provider, the state CHIP plan. I have to verify my income for a six month review. Since I last applied for coverage, I got a raise (yay, me). Apparently, it's just enough of a raise that it may very well mean Jamie loses his health insurance coverage very very soon. I was expecting to lose it come the end of October. But I was not aware they'd be doing a review halfway through the year. I am now officially up a crap creek without a paddle. Him not having health insurance is not an option with as many special health concerns as he has. He takes about $1,000 (retail) worth of medication a month. That doesn't include the cost of doctor visits to the five different specialists he sees a month, plus any sick visits. Then there's the cost of the unplanned prescriptions - those for ear infections, sinus infections, etc. Sure, I can afford to pay for all his medications and doctor visits, if I stop paying rent, don't buy any food and stop making car payments or pay utility bills. I could get him insurance through my work - for about 20% of my monthly net income. Or I can purchase an individual health insurance plan for him at 15% of my net income and not have as much of his stuff covered, meaning I'd still pay a lot of out of pocket costs. It just seems totally unfair that I now make too much to qualify for CHIP, so I will be bankrupted by medical bills.