Cycle 1 day 1. Who's with me? *update* It's a girl! Congrats baby_bray!!!

[moter98]

oh wow, couldn't imagine healthcare being free! that would be nice. we pay $3600 a year in premiums and then $9000 deductible before any coverage begins. this insurance does NOT cover our durable medical equipment for my son. (He wears the ponseti/mitchell shoes and bar)
so, we know that having a baby is gonna cost $9000 at least. that is if i can get pregnant and have the baby before 2012 is up. FX! if not, it will cost us more.

 

[colta]

That's sad! To only get to see your children once and awhile and then not spend the time with them! I don't know what I would do if I couldn't see DS everyday and especially every holiday... he occasionally goes on vacation with my parents and I don't know what to do with myself during that time! My life revolves around him, LOL. I am lost without him.

Growing up, my parents were like that... they were both quite abusive and whatnot. After they split up, they stayed that way and then my dad changed and has become a great dad... my mom..... well, she hasn't changed one bit.

 

[moter98]

SIL not pregnant.

Sorry to hear that moter, I can't imagine the kind of emotional rollercoaster she must be on right now.

i'm crying with her. it's not fair.

 

[colta]

oh wow, couldn't imagine healthcare being free! that would be nice. we pay $3600 a year in premiums and then $9000 deductible before any coverage begins. this insurance does NOT cover our durable medical equipment for my son. (He wears the ponseti/mitchell shoes and bar)
so, we know that having a baby is gonna cost $9000 at least. that is if i can get pregnant and have the baby before 2012 is up. FX! if not, it will cost us more.

Wow... I couldn't imagine having to consider the large amounts of medical costs just to have a baby. I don't know what I would do... it'd be impossible for us to have children right now, we'd definitely have to wait another year.
Me and DH don't have any extra medical insurance right now, so we have to pay for our drugs and whatnot, but if we decide to get one, out of pocket we'd pay about $2100 with everything included.
Once we start working, practically every company has a medical plan and pays about 50% or more, so costs are halved... and we don't have to qualify... especially with a company medical plan, as long as you pay, you get benefits.

 

[colta]

SIL not pregnant.

Sorry to hear that moter, I can't imagine the kind of emotional rollercoaster she must be on right now.

i'm crying with her. it's not fair.

No, not at all... I'm finding more and more with TTC, that it can be a very cruel and heartbreaking process. I hope things work out with her in the future.

 

[BERDC99]

I am actually pretty lucky. I only pay 101.00 per month for coverage on me and my son. That 101 covers health, dental, vision, life, and short term disablity for me. My coversage is 90% on everything, and yearly rountine visits are covered 100%. My deductable is only 250.00 per person.

Motor-sorry to hear about your SIL.

Mail- I know what you mean about not having health insurance. I just got mine at the begining of this year when I got this job. My husband could have added me to his insurance but it was going to be like 550 per month for only 75% coverage. State employees dont have the best coverage. He is the technology coordinator for the local school district here.

Colta- Free health care would be awesome.

 

[colta]

Berdc99 - That's great that you're able to have your insurance. We always hear so many horror stories about healthcare in the States up here, so I'm glad you don't have to worry as much.

Like I said, we do pay a bit in our taxes every year... so techniquely it's not free I guess... but it's definitely cheap.

 

[moter98]

we have the individual family insurance. i only work part time and DH doesn't get health insurance through his job. that's why ours is so high. we don't have a group plan to offset the high costs of few. we do get an HSA account though so that helps. (tax free) we can put up to $6000 a year in it. so we will have the money in there by the time baby comes, maybe way more than we will need if it keeps going like this,lol

 

[moter98]

SIL not pregnant.

Sorry to hear that moter, I can't imagine the kind of emotional rollercoaster she must be on right now.

i'm crying with her. it's not fair.

No, not at all... I'm finding more and more with TTC, that it can be a very cruel and heartbreaking process. I hope things work out with her in the future.

thanks. me too. they will have to take the next step in the process, IVF. VERY costly. and not covered by insurance. it would be so great to not have to pay for all this healthcare stuff! do you feel you still get good quality medical care?

 

[moter98]

berdc - yours covers dental and life? wow, i've never been offered that anywhere i work. good thing i have great teeth and life ins, forget it. we have enough bills,haha. good thing DH is successful at his job. he works on commission.

 

[Twinkie210]

We are lucky and my employer has a decent insurance plan... All together we pay about $250 a month for health/dental insurance for the whole family. We have a $1,000 max out of pocket and most routine stuff is covered 100% less a $15-25 copay. So barring a major problem, it should only cost us about $1,000 to have a baby, assuming we can get pregnant on our own. Now if we need fertility treatments, that is another story

Moter- sorry to hear about your SIL

 

[colta]

SIL not pregnant.

Sorry to hear that moter, I can't imagine the kind of emotional rollercoaster she must be on right now.

i'm crying with her. it's not fair.

No, not at all... I'm finding more and more with TTC, that it can be a very cruel and heartbreaking process. I hope things work out with her in the future.

thanks. me too. they will have to take the next step in the process, IVF. VERY costly. and not covered by insurance. it would be so great to not have to pay for all this healthcare stuff! do you feel you still get good quality medical care?

Yeah, generally we get quite good care. Emergency room wait times can be a bit long and there are some times where you have to wait a bit for different treatments... but if something is life threatening/changing there is no wait, you get the care you need as soon as you need it.

The physicians are quite competent and you get to avoid a lot of unnecessary tests and procedures but if you request something, they don't mind giving it to you, (providing it's not crazy).

I dunno, I've never had trouble and haven't heard of anyone having trouble when it mattered. Plenty of people complain of course (no one wants to have to wait in emerg), but when it comes down do it, everyone gets treated and doesn't have to worry about insurance.

 

[moter98]

SIL not pregnant.

Sorry to hear that moter, I can't imagine the kind of emotional rollercoaster she must be on right now.

i'm crying with her. it's not fair.

No, not at all... I'm finding more and more with TTC, that it can be a very cruel and heartbreaking process. I hope things work out with her in the future.

thanks. me too. they will have to take the next step in the process, IVF. VERY costly. and not covered by insurance. it would be so great to not have to pay for all this healthcare stuff! do you feel you still get good quality medical care?

Yeah, generally we get quite good care. Emergency room wait times can be a bit long and there are some times where you have to wait a bit for different treatments... but if something is life threatening/changing there is no wait, you get the care you need as soon as you need it.

The physicians are quite competent and you get to avoid a lot of unnecessary tests and procedures but if you request something, they don't mind giving it to you, (providing it's not crazy).

I dunno, I've never had trouble and haven't heard of anyone having trouble when it mattered. Plenty of people complain of course (no one wants to have to wait in emerg), but when it comes down do it, everyone gets treated and doesn't have to worry about insurance.

hmmm.....that's sounds like a good deal. maybe me and dh should move!

 

[colta]

SIL not pregnant.

Sorry to hear that moter, I can't imagine the kind of emotional rollercoaster she must be on right now.

i'm crying with her. it's not fair.

No, not at all... I'm finding more and more with TTC, that it can be a very cruel and heartbreaking process. I hope things work out with her in the future.

thanks. me too. they will have to take the next step in the process, IVF. VERY costly. and not covered by insurance. it would be so great to not have to pay for all this healthcare stuff! do you feel you still get good quality medical care?

Yeah, generally we get quite good care. Emergency room wait times can be a bit long and there are some times where you have to wait a bit for different treatments... but if something is life threatening/changing there is no wait, you get the care you need as soon as you need it.

The physicians are quite competent and you get to avoid a lot of unnecessary tests and procedures but if you request something, they don't mind giving it to you, (providing it's not crazy).

I dunno, I've never had trouble and haven't heard of anyone having trouble when it mattered. Plenty of people complain of course (no one wants to have to wait in emerg), but when it comes down do it, everyone gets treated and doesn't have to worry about insurance.

hmmm.....that's sounds like a good deal. maybe me and dh should move!

Haha! Love to have ya! Make sure to bring snowshoes!

 

[moter98]

got em already! i'm a minnesotan

 

[colta]

Awesome! You're already acclimatized and ready to go! C'mon up and join the barbeque! lol!!

 

[moter98]

lol! i'll have to get a passport. i have never even left the country.

 

[mailcmm]

Missed so much...

Moter.. Sorry about your sil. That is so sad.

Berdc... Diabetes runs in my family as well. We all start out hypoglycemic and turn into diabetics. I will tell my dr on Friday.

Insurance... Colta you get great insurance cause you live in Canada. Apparently you guys have figured it out. Lol I work for myself so I don't have insurance. I used to when I worked for someone else. My pregnancy will be covered. GA has an amazing Medicaid program for pregnant women. It covers pretty much all pregnant women. We have a state income tax though. Anyway GA has the highest infant mortality rate in the US so they really want women having healthy babies. I already signed up. It will cover all medical expenses for my pregnancy. I learned about it in the ER during mc. They sent in the social worker. Never dreamed in a million I would qualify. They don't take dad'S income into account. Only moms. And they figure your household number at everybody including fetus. Lol I don't think I have ever heard of another state doing that

 

[menb]

Whew! I'm glad the insurance convo calmed a bit. I was a little worried a couple of pages ago.

As you can see Colta, there are a lot of different scenarios and situations that families and individuals fall into here in the states. Saying a blanket statement about the insurance policies in the states (or anything for that matter) would be ignorant. What we have to do here in America is educate ourselves on what is the best decision for healthcare for us as a family or an individual. It is true, however that some people/families don't have that luxury for various reasons (only part time work, company doesn't offer good benefits, not currently working, etc.). That is why many people are in favor of a new healthcare system. They are trying to work it out so that everyone can be seen by a doctor and receive proper meds/healthcare without having to decide between that and feeding themselves. As of now, they are still trying to 'work it out'. So, yes you are blessed with the system you have in Canada.

That's why hubby and I seriously considered moving there a couple of years ago. Well, that and to get some distance from the MIL.

 

[mailcmm]

Having a terrible night. Not able to sleep. I am exhausted just can't stay asleep.