Im just gonna come out and say it. COBRA SUCKS. DIABETES SUCKS. OUR HEALTH INSURANCE SUCKS.... So here goes, its the same sad story that too many other families are going through right now......
Josh left his job two years ago because his employer was changing his "higher" paying route in which he only worked 3 days per week driving to Vegas and back. It was the perfect "job" for him, and when he lost it, he decided the grass would be greener elsewhere. So he left. Josh and I also thought this new employer would have better insurance coverage because ours sucked. Or, so we thought!
Two years later. Two job changes later. Months of COBRA that KILLED US in
2008-2009. COBRA expenses were the same as a mortgage payment, for just Maddison and I. Pre-existing condition ya know. We had no choice. This new job brought HORRID medical insurance. Our medical expenses and monthly premium DOUBLED. Two with Diabetes in this house. A Salary that isnt what was expected, and isn't what it was. Josh works 60hrs a week for less than before. Its been rough for two years now.
Anyone heard of the drama with Bank of America? Well, thats us. Last Monday when we called to check the status of our loan "modification" we were told it had been denied. And...... Our. Home. Was. Auctioned. That. Same. Day. SOLD back to the bank.
So, the last week Ive been running around like a chicken with my head cut off. We have until the 22nd of this month. To. Be. Out. Of. Our. Home. Of. OVER. 10. YEARS. We had this home built for US. I was 23 when we bought this home and Josh was 25. Hannah was 4. I was 7 months pregnant with Maddison when we moved in. This home was for our family. Exactly what we wanted. We are the end house on a cul-de-sac lot. By the greenbelt. We paid a pretty penny for this premium location, knowing our kids could run around and be safe outside with lots of room to roam. We invested in the pool. Josh extended the patio for the AZ summer with pool parties. I have a garden like I always wanted. In the Summer Maddison grows HUGE Zucchinis. We put everything we had into making this house a home. We have the BEST neighbors. We all moved in pregnant with our second child....and our kids have grown up together. BUT, its just a house in the end. Not a mansion by any means, but it was MINE. It was perfect. Where I planned to live out my Mommyhood. Then came Diabetes.
I blame Diabetes for this loss because of COBRA. If we didnt have Diabetes we wouldnt have had to pay for COBRA those 6 months before our new insurance took effect. We wouldn't have fallen behind just because medical insurance was a priority. A must. If it weren't for Diabetes we wouldn't be spending so much money on copays, pump supplies, lab work. Seriously.
Friday I took Hannah to the Urgent Care. Strep Throat. $200 bucks in copays and prescriptions. It makes me think of our home, that is now bank owned. Because of medical expenses. Because we have sucky insurance. Maybe this isnt entirely because of health care and Diabetes, but a majority is.
Sunday night we went to a friends BBQ. The kids rolled in the grass. Hannah had welts up and down her legs. Bug bites? Mosquito's? Ants? She didnt feel a thing. The next morning one of the MANY spots on her legs turned HUGE. As in, 5cm. HOT. RED. HARD AS A ROCK. Urgent care. Cellulitits. Another $200 bucks. Thats kinda how this year has been. One expense after another. Alot of it being medical.
So....we just found a house that we will be moving into this weekend. I can tell you that my Diabetes has been nearly cured with all the stress and packing Ive done this past week. Thats a good thing I guess. But, lows suck. Especially when you dont have time to sit around and wait them out.
In the end, its JUST a house. Life happens. Things change. Change can be good. I look forward to down grading our lives. SHOOT, you should see the junk and wasted items that have been pouring out of my closets since I started packing last week! So, there ya go. I spilled it. And man....I feel so much better! Time to move forward. Im not looking back, and Im REALLY trying not to be bitter with Diabetes for every way in which it has changed our lives!!
Moving my blog again
4 years ago