Update On Life

     Have you ever made a decision or quickly signed a paper in haste only to realize years later that honestly you were an idiot? Let me back the story up a bit. I took Taylor to her an annual visit to her pediatrician only to discover that her medical insurance had been canceled. I spent several hours on the phone, emailed multiple people, and finally discovered today what had happened.

    I'm so thankful that we have office staff who answer emails promptly. Back in 2024 we had an open enrollment day. I remember the day clearly because the only time slot I could go down was half of my planning. Because of how late open enrollment day started and my planning period coincided with that time. I was in a rush. Taylor was 18 months old so I was still only getting around 3 to 4 hours of sleep or not and working 40+ hours a week. Being exhausted was an understatement. I didn't even get to talk to the representative because I was trying to rush through before my students came back in. You cannot leave your students unattended. I'll mark the wrong box and cancel my child's medical insurance. I didn't even realize I done it and now I'm an absolute idiot. There is no way to reinstate her until open enrollment comes back around in November.  The growth on the back of her head has started to grow again and I don't even have medical insurance to take my child to the doctor. Just to see the specialist is anywhere from $2500-$5500 per appointment and that is including some of the scans. 

    There's nothing I can do about the insurance. I will have to consider this a lesson learned. I will advocate for myself during open enrollment to have a substitute teacher placed in my classroom so I can actually meet with the representatives and sit down and talk over the paperwork instead of hastely, filling out things. It is completely my fault. And it will be on my shoulders until opening enrollment opens again. I have cried off and on all day honestly, the stress has gotten to a point that I thought I might have a nervous breakdown. And of course there's no one here to help me or save me or bail me out. I'm on my own. It was my mistake. 

    I called the doctor and explain what had happened with the insurance and the lady at the Front Desk! explained to me that if I could not pay for the appointment that Taylor could not attend it. The bank also wouldn't give me a personal loan today either. My credit score is in the 750 range, but my debt to income ratio was too high. And they were going to charge me 10 to 25% interest. I'll be spending the next few days to see if I can find another insurance to put my child on. I do not qualify for Medicaid. It drives me crazy that they are all the services out there for people who do not work and it fully finances everything for them, but when I work in parent makes $125 more than the threshold there is absolutely no help for that child. I did not seek Medicaid for myself. It was for my child only. I live in North Carolina, so if you have any hints or helpful tricks please send them my way.  Honestly, I'm at my wits end and I think I might just start mass selling all my possessions to pay for her appointment. I don't even know where to start though.  I don't think people really want hand-me-downs and twice used furniture. 

    I cannot believe I let this happen. How could I've been so dumb?