Thursday, December 1, 2011


Not having a job, also means no health insurance for us. Holland has a great health care system, where all adult get mandatory health insurance for €100/ month. Kids under the age of 18 are free. This is basic health care, and if you want supplemental coverage you pay slightly more. This €100 gets you 100% coverage. No co-pays or deductibles. You visit the doctor, and at the end of your appointment you just simply leave.

The US unfortunately has no such system. Even if your job subsidizes health insurance, it's normal to pay upwards of $380/month. This will only get you 80% coverage, and co-pays for each visit. If you are unfortunate enough not to have a job, or sufficient income for insurance, there is the option of medicaid. We now officially fall into this category, so I started the process of applying for medicaid. It brings back memories of my citizenship application. Lots of forms and copies of important documents need to be submitted.

Having no insurance makes me nervous on many levels. First of all, if anything happens to the kids (like a broken arm) it could bankrupt us. Or even worse, if something goes wrong with the pregnancy, or there are complications, it's a sure path to bankrupty. Everything we've worked to build up can disappear in an instant. So even though I am hoping Joe will find a job with great health benefits soon, I have to be prepared for the worst case. So I apply for medicaid, and hope they understand our unique financial situation.

Putting a driving force behind this, is the need for a Rhogam shot. I have the RH factor, which means I need a shot to ensure my body doesn't attack this baby or the next. It needs to happen around 28 weeks, which I currently am. Tomorrow I head to the Parkland hospital in downtown Dallas to see if they can help me there. I'm feeling a little apprehensive about it, since I'm worried they won't help me, and that it will take all day.

1 comment:

skideewink said...

I think the Public Heath Department, here in Bonham will see you based on income and get you in as soon as needed. Just an idea. But I hope Parkland helped.

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