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Posts Tagged ‘luck’

Life happens.

One day you are working and the next day you working half-time or sometimes not at all.  For those of us that live in financially challenging times, we might be blessed with what we need, but with no extra.  Some of us are blessed with financial cushions and some of us might be cushioned with a tight budget and  little or no savings.  These scenarios here are good ones; there are many others who really do not have what they need in life.

Melodramatic?  Nah. . . .

Today, I am facing a new reality.  Effective January 20th, I am working half-time and will therefore lose my family’s health insurance.  The good news is that I will have a half-time job; the bad news is that I will not have enough to support what I have previously considered to be essential.  Health insurance will become a luxury item.  Not even the Affordable Healthcare Act can help.  As long as I don’t have the money, I can’t afford the insurance.

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The membership at my institution has declined and enrollment in my school has been affected accordingly.  With that in mind, my employer is making choices on how to manage their tightening budget.  Life happens.  So starting next month, my family will not have health insurance until I find a way to afford it.

This weekend, the reality of no health insurance slammed into me like a ton of bricks.  

  • Dovi  woke with viral conjunctivitis and ached all over.
  • Aryeh pulled out his back.

Fortunately, everyone will be fine, but what if Aryeh needed another brain surgery or Dovi became unable to walk again?  If those things happened, our family would become a statistic.  We would be one of “those people” that have caused the American people to cover our medical costs.  And my guess is that if the need arose, we wouldn’t be able to demand the care that ultimately saved Aryeh’s life.  No second opinions . . . no third opinions. . . . We would at the mercy of those that cared for the uninsured patient.

As someone who is still paying for some medical expenses that are a result of my older son’s health crisis, I am acutely aware of how quickly our health can be lost.  Sometimes we see sickness coming; sometimes we don’t.  The bottom-line is that few of us have the means to handle what our family was forced to handle when my son Aryeh needed two brain surgeries during his teenage years followed by countless days, months, and even years in bed.  The blessing is that our friends and community created a fund to help cover many of the costs that insurance did not.

So, as I sit here this morning feeling anxious about the impending lack of health insurance coverage over the coming weeks or months, I am also aware that if luck will have it, my family will find a way to manage with whatever happens.  Already, friends are trying to help me find a way to supplement and replace the the lost income – all ideas are welcome!

My hope and prayer is that all will ultimately be good for my family and that a day will come when health insurance isn’t a luxury for any human being.

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