The Quicksand Story

Our story through the quicksand of our own financial crisis

Archive for the tag “insurance”

Health Insurance??

We had a bit of a scare last week.  My 10 year old son got bitten by a bug and it got infected.  It is bothering him but he waits a week to tell me.  It is high on the back of his leg and he is embarrassed, I can understand.  BUT…… we ended up with an issue.  By the time I saw it, it was a yucky blob of infection so I took him to the doctor.  I am thankful that we have health insurance but I know many families out there do not.

We got him on antibiotics because the the infection was a little too aggressive and the following day we ended up with 1/4 inch bleeding hole where the bug bite had been the day before.  It is almost gone now a week later but we found out over the weekend that it was a MRSA infection.  MRSA is an antibiotic resistant strain of staph.  It can be really bad and scary.  I have known people to be seriously disfigured from MRSA infections.

After this experience I began to think about what I would have done without health insurance.  How many times do kids get bumps and scrapes where we as parents shrug it off as just a kid thing?  We are lucky to have health insurance, but more so we are lucky to budget $500 per child for emergencies.  When we lived without health insurance, I used to live in fear that something would happen.  I relate to the tons of Americans out there who do not have it.  If you are one of the people out there who do not have it I would recommend you set aside approx. $500 per child for emergencies.  Stash it in your house if you need to.  Start small, but grow it, because how valuable is the peace of mind that comes with knowing you can afford to take your child to the doctor if you need to.

I do not want to think about what could have happened if we did not get treatment for my son when we did.

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No Matter How Good It Is

So, Paul and I have been doing well the past year since moving out of Connecticut.  He has a good job, the kids are happy, I am happy.  No matter how good things are there are always mistakes.

Last year Paul got a ticket in Pratt County Kansas.  By the time paperwork caught up to us it was May 2011.  We wrote a check to the court for the ticket because obviously Paul was not going to fly back there to go to court.    We did our Civic Duty, Paid our fine and moved on with our lives.

Flash forward to yesterday…

We go to change car insurance to find a lower rate. (This is something everyone should do at regular intervals.) We get an email from the insurance company to call them.  So we do.  Come to find out Paul’s license is suspended.  As we investigate why it is suspended. We find out it is for this ticket in Pratt County.  Wait. We paid that!!!  Well apparently Paul’s information was never updated on the system and his license was suspended.  We would never have known about it if we didn’t re-evaluate our car insurance.  Thank goodness we did, because how bad could that have been…

This leaves me with one question:  How is it that we as citizens are held accountable for our actions (which we should be) yet the government, politicians, and their employees are not?  We did our duty and someone else did not yet we are penalized for it. What is wrong with that?

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