This has been a very interesting last couple of days for me. So interesting because it ties in to the whole “Mind Your Own Business” theme I have going on where I am focusing on money.
Tuesday, I found quite by accident that my son KJ being the dare devil that he is knows how to open oven doors. Here is how I found out about it. I am walking by the oven and find it half open. I think “Hmm I thought I closed the oven no wonder it’s so hot in here”.
While getting KJ dressed about ten minutes later I notice a dark mark under his chin and on the side of his face on his left cheek. To my surprise it was skin that was bubbling! I shrieked! He looked at me and began to cry immediately. (Talk about odd) I drop everything and think I have to get him to the emergency room now! But realized Kevin’s insurance you have to call first get a nurse on call and get instructions first. I get him an appointment to see his pediatrician instead. So I saved $150 by not going to the emergency room and only paid the $25 co-pay.
Once KJ is back home and I have calmed down from this interesting day which for me has knocked my little six list plan all to hell, I decide to continue with my redecorating and cleaning of large pieces of furniture. While cleaning the top of my wall unit Mamma slips and falls straight down onto the floor knocking over the chair I was standing on, bruising the side of my left knee and spraining my ankle. Ok can my day go any better at this point?
Imani helps me to the couch and I prop my foot up immediately and get her to bring me ice. I am used to bumps and scrapes that's the story of my life lol. I think do I need to go to the emergency room or just wait this out see if I can wiggle my toes or should I just relax and take a few Tylenol and call it a night? My insurance company would just love me wouldn’t they? So I did the latter. I grabbed some Midol which seemed to work better for me for pain and then I sit back and pop in “Sex In The City”.
I began to think about a few things after the movie. What if this had been worse? What if I had no health insurance or worse life insurance? What about emergency contact information for Imani if all hell breaks loose and I can’t do for myself?
So I thought it appropriate as I had uttered that I would talk about this.
I know you are thinking ugh I have to think about this mess? Why can’t I just wait until later? Cause later never shows up....only today does and that could be the day everything changes.
Insurance hey we all need it from our personal selves to our personal belongings, to our health and well being. We need to make sure that we are protected. There are so many programs out there to benefit us. We just need to look.
The first thing I did was take a look at what my banks offered, and the funds I was a member of for life insurance they may offer just for me being a member. I then got my own life insurance for me and the kids. Then I got some more.
I check on it every six months especially since KJ was born and I did not add him until he was a year old.
I am in the process of checking on better health insurance as a claim I had with this firm they would not pay. So not cute when you have an emergency and you are paying 325 dollars per month and you don’t want to honor the claim? Ummmm no.
But Mamma what if I can’t afford anything? Check your local health care units or clinics. They will see you on a sliding scale, hey I had to do it at one time. There are also state run programs that you should check into. How about Medicaid as well, some states offer a program where you pay as low as $10 a month for insurance for the kids. If you just go online and do a search on affordable health care for your state I am sure you will find a wealth. Check out this link here
Tuesday, I found quite by accident that my son KJ being the dare devil that he is knows how to open oven doors. Here is how I found out about it. I am walking by the oven and find it half open. I think “Hmm I thought I closed the oven no wonder it’s so hot in here”.
While getting KJ dressed about ten minutes later I notice a dark mark under his chin and on the side of his face on his left cheek. To my surprise it was skin that was bubbling! I shrieked! He looked at me and began to cry immediately. (Talk about odd) I drop everything and think I have to get him to the emergency room now! But realized Kevin’s insurance you have to call first get a nurse on call and get instructions first. I get him an appointment to see his pediatrician instead. So I saved $150 by not going to the emergency room and only paid the $25 co-pay.
Once KJ is back home and I have calmed down from this interesting day which for me has knocked my little six list plan all to hell, I decide to continue with my redecorating and cleaning of large pieces of furniture. While cleaning the top of my wall unit Mamma slips and falls straight down onto the floor knocking over the chair I was standing on, bruising the side of my left knee and spraining my ankle. Ok can my day go any better at this point?
Imani helps me to the couch and I prop my foot up immediately and get her to bring me ice. I am used to bumps and scrapes that's the story of my life lol. I think do I need to go to the emergency room or just wait this out see if I can wiggle my toes or should I just relax and take a few Tylenol and call it a night? My insurance company would just love me wouldn’t they? So I did the latter. I grabbed some Midol which seemed to work better for me for pain and then I sit back and pop in “Sex In The City”.
I began to think about a few things after the movie. What if this had been worse? What if I had no health insurance or worse life insurance? What about emergency contact information for Imani if all hell breaks loose and I can’t do for myself?
So I thought it appropriate as I had uttered that I would talk about this.
I know you are thinking ugh I have to think about this mess? Why can’t I just wait until later? Cause later never shows up....only today does and that could be the day everything changes.
Insurance hey we all need it from our personal selves to our personal belongings, to our health and well being. We need to make sure that we are protected. There are so many programs out there to benefit us. We just need to look.
The first thing I did was take a look at what my banks offered, and the funds I was a member of for life insurance they may offer just for me being a member. I then got my own life insurance for me and the kids. Then I got some more.
I check on it every six months especially since KJ was born and I did not add him until he was a year old.
I am in the process of checking on better health insurance as a claim I had with this firm they would not pay. So not cute when you have an emergency and you are paying 325 dollars per month and you don’t want to honor the claim? Ummmm no.
But Mamma what if I can’t afford anything? Check your local health care units or clinics. They will see you on a sliding scale, hey I had to do it at one time. There are also state run programs that you should check into. How about Medicaid as well, some states offer a program where you pay as low as $10 a month for insurance for the kids. If you just go online and do a search on affordable health care for your state I am sure you will find a wealth. Check out this link here
http://www.healthinsurance.org/
Do an assessment of your coverage and make sure you have something for life, health, and hospital stay as well.
You will be glad you did cause one day Murphy’s Law is going to show up and wouldn’t it be nice to be prepared?
I have offered some links you may find helpful as well. Make sure you put this as a priority along with other money issues you deal with.
Til next time
Mamma
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