I mentioned earlier that it is open enrollment time at work for our health and life insurance. First I wrestled with the idea about even getting insurance coverage through my work because I felt like if I took the insurance, that was an incentive to get me to stay. But, as my husband pointed out–it doesn’t look like I am going anywhere anytime soon. I am not ready to give up a job that pays me on time and correctly–even though I can’t stand it 99.9% of the time. At least I have a job and that is more than what many people have right now. So while I have it, I might as well take advantage of what I can get, while I can…huh? My side jobs I am keeping and could eventually become my full-time income, but I don’t feel too comfortable yet going 100% on my own. Not in this economy.
First off, due to the death in the family and seeing what costs were involved–life insurance was my first priority. I upped mine, got hubby and the kids life insurance too. It is gonna cost only a few dollars a month for peace of mind. You never know. You just never know. I felt such a relief getting it. I thought about how wonderful it would be if my husband and girls were taken care of if I passed away. Not like I was happy about the thought of death…you know what I mean.
My next challenge is the health insurance. My husband and I right now seem to be in a HUGE disagreement about it. The cheapest plan that would have both of us covered would be about $6200 a year premium with a decent deductible and copays. He says it is way too much. Me, I worry about everything and just one ER trip can land us in debt again. However, paying that much for insurance is crazy–especially for what they consider a mid-grade HMO.
If I get the policy on my own, (my kids already have their own policy-that one was easy!), it would only cost about $35 a week. Which is affordable, but leaves hubby uninsured. He is healthy and I obviously have some sort of issues (woman problems). He says it is better to have one of us insured than none of us. I don’t know. I really need to think this one out.
Now that we are on the subject of health, I mentioned months ago about a cough my husband had gotten. Well, knock-on-wood it is gone. Turns out there was a mold problem at the temporary job he had. He found this out when he left. So once he left, no more exposure to it. He is healthier than ever-besides the excess weight we both have-but that is a whole other story!
Well, I am off to making some decisions. I sure do hope I make the right one.
Tags: Health insurance, Life insurance
