It's the day after graduation, and I'm so happy. Now that graduation is over, I have some time to reflect.
Three years ago, I was fortunate to get a counseling position at a new school. While I loved my previous school and the students, I was overwhelmed with testing responsibilities, scholarship coordination duties, working on the master schedule, and other tasks that kept me so busy that I had a hard time being a counselor.
After I was hired, I was told that I would be the sophomore counselor. Because we move up each year with our students, I have been able to stay with most of the same group of students for three years. This year, I was fortunate to split the senior class with another counselor who is simply wonderful. Anyway, I love all high school grade levels, but in many ways, I think sophomores may be my favorite. Most sophomores are 15 or 16. They have matured after their first year of high school, but their lives are not quite as crazy as once they become juniors. For the most part, they aren't driving yet and most sophomores do not hold jobs. They are excited about the future but they're still far enough away from the 'real world' that they're not stressed about what is coming next. Anyway, I slowly got to know my new 667 students. Some students end up in the counseling office because of personal problems or health issues or failing grades. Some students come to find out about dual-credit classes, to discuss college planning or simply to discuss their current or future schedule. Once I had a chance to meet students in those categories, I figured out who I had never met. My philosophy is that it is hard to meet a counselor for the first time when you are in 'crisis.' I wanted to meet with each student at least once so they would know who I was and where I live in the building, and my goal was for every student to feel comfortable to come see me if the need should arise. By the end of their 10th grade year, I had touched base with everyone at least once, and many I had met several times. We talked about who needed summer school and who would need to retake the dreaded STAAR test in the summer. Classes were picked for the next year and then summer break began!
Their junior year came and went. The junior year comes with it's own challenges. The world is expecting you to be more mature and responsible, and yet juniors are still really in the midst of developing into young adults. Many juniors look physically older than they emotionally are. I tend to see more students with anxiety and depression during the junior year. While it is a very small number, there are students who become more aware of who they are in terms of sexual identity and inadvertently a few students become parents. I also see a small handful who turn 18 and decide that because they are no longer required to come to school, that they would be better off dropping out and getting a job. We live in an area with lots of opportunities especially in construction, and keeping some of my students enrolled became a challenge last year, especially in situations where their family was encouraging them to drop out and get a job. I lost a few, but most understood how important their diploma could be their to their future so they stayed. Ironically, some of the same students who dropped out last year resurfaced these last few weeks to find out if they could still finish high school. Juniors get to experience all kinds of fun things - Bonfire, college campus visits, fine arts performances, making the Varsity athletic team, taking on leadership positions in clubs, performing community service, taking their first college classes, taking the SAT/ACT, taking interesting classes, and so on. I feel like the junior year is when traction really starts picking up.
And then the senior year comes. So much fun, excitement, uncertainty, failures, successes, memories! It's really kind of a whirlwind. Many students are working part-time jobs by this point. They are trying to figure out what they're going to do next. Some students know what they want to do, but the majority do not. Of the ones who don't, some will start investigating and searching for options. Some students kind of freak out and shutdown....and then parents understandably freak out. There are the super exciting moments where students apply to the colleges of their choice and get accepted and the disappointing moments when students don't get into their planned school. Scholarship offers come in bringing hope and joy, and rejection letters arrive too. The FAFSA process is fun (not!) and working with undocumented students trying to fill out their TASFA is a delicate subject. There is their last bonfire, all of the senior nights, Prom, multiple awards nights, Senior Walk, graduation, and so much more. After 12 years of schooling, students are bringing their secondary experience to a close and that of course brings out all kinds of emotions. Students start having to make decisions about their future, and I find that employers really don't care if a student is still in school. If a shift needs covered, a shift needs covered. Relationships and friendships strengthen for better and worse. There also seems to be an uptick of family issues. It's a roller coaster ride for some. Overall, there is far more good and happy happening than otherwise. :)
Through it all, the school counselor is there in the background. We monitor grades and attendance and respond to teacher and parent concerns. We check and recheck credits, clear up testing issues, and try to keep a pulse on what is happening. I can't speak for others, but I am so proud when one of my students passes a class they didn't think they would be able to pass or when a student wins an award. Watching students play sports, dance, sing, play instruments, create art, act, and pass AP tests, STAAR tests, and dual-credit classes is wonderful. I am also so proud and impressed when students make admirable and difficult choices - taking care of injured or sick parents or siblings, working jobs late at night to help keep the lights on at their home, refusing to make bad choices when surrounded with negative influences, overcoming a disability, speaking up for those who are bullied, refusing to get into cars with intoxicated parents or family members (yes, this happens), continuing to come to school and giving 100% when dealing with a personal illness, actively serving the community through volunteer service, or when a student goes against the grain to break a cycle in their family. The list goes on and on. When I hear blanket negativity about teenagers, I realize that they haven't truly met some of the amazing young people I have. I'm not "worried" about this generation. In fact, they may do better than the generations of the past. I realize part of it is young, naive optimism, but I love it. The day I get jaded, I hope I recognize that it is time for me to find something else to do. I love hearing students talk about their goals and dreams; their positive energy is infectious.
It's not all roses though. The truth is I worry about my students. I worry when they're in bad situations - sometimes because of their own choices and sometimes because they are in a difficult situation by chance. I don't think I could ever be an elementary counselor. As a high school counselor, I know that my students who are in difficult family situations are relatively close to graduation and being able to get a job, education, and being able to take care of themselves. I feel for my students when they have lost a parent or when they have an incarcerated parent. Some of the kindest, most respectful students I have ever met have an incarcerated parent, and this must be a heavy burden to carry. Even though these students had nothing to do with their parent's mistake (some have no memory of their parent), there is a stigma that these students feel. There are always a few seniors who don't graduate, and I worry about who those kids will be and what will happen in their future. Every year I've had seniors, I have had a couple of students who self-destruct in the last semester. It's like the stress of graduating and not knowing what is coming next causes them to make some choices that are probably not in their best interest. They stop coming to school, they stop talking to their friends, and they seem to totally withdraw themselves. I never know who those kids will be because it's never the ones I expect, and this year was no different. It's not like these things keep me awake at night, but the thoughts are there.
One neat thing about being a counselor is every day is different, and we get to hear it all. Our job allows us to be exposed to a wide cross-section of society - the good, the bad, and the things that make you wonder. We have the privilege of being told things that we vow to keep confidential. The flip side is we are told things that we vow to keep confidential and sometimes that is really hard. I think sometimes counselors are written off has being softies with bleeding hearts. More often than not, I think we know something that we can't necessarily share that causes us to see things a little differently. A student is out of dress code. It could mean they refuse to follow the dress code. It can also mean they slept in their car last night. A student didn't shave. It could mean they are testing limits. It can also mean they had to pick up their drunk mom late last night because she wasn't able to drive herself home. The student is really just glad to make it to school. Rules are no doubt important, and I know taking care of the little stuff prevents little stuff from turning into big stuff, but sometimes I think counselors are fortunate to be able to see more of the picture.
I also find it interesting how many factors affect students' lives and whether or not they are successful. Some students are so incredibly intrinsically driven that no obstacle in their way slows them down. These kids amaze and inspire me. There are also those who put in very little effort or work but they do just fine. Some are very intelligent and some are very adept at manipulating and working the system. Some kids have such wonderful, warm families supporting and cheering them on and some students are truly parentified children. Some students don't have very healthy family units, but they have at least one strong ally in their corner - a friend, teacher, neighbor, coach, counselor, church member, or family friend. Some students have it all and seem so unmotivated. Those are the students I find hardest to understand. And money matters. I don't care what anyone says. The playing field is not even.
In any case, last night when my students walked across the stage and received their diplomas, I couldn't help but remember the ups and downs of the last three years. It also reminded me that each person has their own journey and story so rich with details, many of which the rest of the world doesn't know about. With the exception of very few people, we are all dealing with a few of our own demons and obstacles.
I felt happy and relieved. I completely understand that this is just one stop along the way, but I'm proud of these students and happy for their families that they can now check high school diploma off the to-do list. :) I am thankful for the laughs, smiles, fist bumps and happy memories, and I am thankful that in the tiniest of ways I was able to join them on this part of their journey. The last few days I have received so many hugs and thank yous. My bucket will be full for a long time.
I'm so used to saying, "See you on Monday," "see you next semester," see you after the break," and so on. As I drove home after graduation, it hit me that I won't see or hear from most of these students again which is how it is supposed to be. I'm excited for them, and I wish the very best for each and every one of them - that they find what makes them happy, that they make good choices for themselves, and that they find the next leg of their journey better than the last. Next fall I get to start with a new set of sophomores. I think I just may have one of the best jobs in the world.
Friday, June 5, 2015
Wednesday, March 4, 2015
Massages are magical!! :)
Massages are awesome, and in my book, massage therapists are healers, feel good machines, endorphin inducers, and amazing people all rolled into one.
After I broke my neck years ago, I experienced a spectrum of pain ranging from aches to incredible headaches. I saw various doctors who offered everything they had to offer - referrals for physical therapy, TENS units, and lots of different medications (muscle relaxers, strong anti-inflammatories, and a variety of pain medications). The problem is you can't stay on drugs forever, physical therapy is very therapeutic but it can't always take away pain, and for whatever reason, the TENS units never seemed to do anything for me. I was talking to an amazing lady at Texas Tech, Julie Isom, one day about my pain, and she suggested that I go see this wonderful massage therapist that she knew about. I don't remember our exact discussion, but I remember expressing some concerns like...so I have to take off my clothes?! :) The idea of laying down on a table and having a stranger massage me sounded really bizarre, but the truth was I was in a lot of pain, and I was more than willing to try anything at that point. She gave me the therapist's name and contact information, and I made my first appointment.
Melody was the best - knowledgeable, professional, and a truly gifted healer. She herself had neck issues and had studied massage therapy and all kinds of biology (and who knows what else!). I told her about my injuries, surgeries, etc. and my search for pain relief. She offered a number of common sense suggestions and then I received my first massage. Heaven-on-Earth. I'm not sure if it was extra circulation to my neck or what, but I had immediate relief from some of the muscle spasms that I think were causing me the most pain. Over the next few years, I continued to see Melody a couple of times per month. I went from being on multiple medications constantly to not taking anything except for the occasional flare-up. I remember talking to my neurosurgeon about the massages and how much they were helping. Not only was my pain level so much better, but I felt better, the swelling in my ankles was much better, and I didn't have to deal with the unwanted side effects of the medications. While I loved my neurosurgeon, he didn't buy into the idea that the massages could be helping with my pain management. I really only told him so he could talk to others in my same situation, but anyway, I knew without a doubt that I had found something that was bringing me relief.
Once I moved away from Lubbock, I found different massage therapists. I've been fortunate to have mostly very, very good ones, a few so-so ones, and two downright scary ones! There was the one lady who massaged my shoulders and back so hard that I was bruised for days afterwards. She said, "You are so stiff!" What I should have said back was..."I'm currently scared for my life!" Then there was another lady who was convinced that if I just relaxed, she could get my head to turn. Because of the screws in my neck, I can't turn my head side-to-side anymore. I tell every therapist that very clearly before they begin, but she didn't believe me. :) Needless to say, I made it out of the situation as well, but there was lots of praying going on. Awkward.
While I have some headaches and neck pain now, it is nothing like it used to be. I typically get a massage once a month now, and on top of the pain relief, I feel like it is a most wonderful treat for myself and definitely a stress reliever. I am convinced if everyone could have a massage once a month, the world would be a much happier place!
Fast forward to this week. I love, LOVE, love my job. I never get bored, and I get the opportunity to meet so many wonderful students that I am constantly learning from and inspired by. I never have to worry about being asked to work on Thanksgiving or Christmas, I get to spend extra time with my kids in the summer, and there are other perks. I feel like in the very tiniest of ways, I get to impact a few lives - it doesn't get much better than that. On the other side of the coin, we do work long days occasionally. On Monday, we had a FAFSA Completion Night which meant my day extended from 7am-8:15pm excluding the commute. After one of the fathers finished his son's FAFSA, he asked if he could ask me a personal question.
"Do you get paid extra for coming tonight, or are you just helping out?"
This question kind of tickled me. :) I said, "I'm a senior counselor, and this is part of my job." He said, "Well, yeah, but do you get paid to stay at night or anything?! I mean you could be home with your own family." I assured him that I wanted to be there and that my family and I are doing fine. :) He shared some of his other thoughts and then thanked me for my time. This really hasn't nothing do with massage therapy, but the dad amused me, and I was genuinely thankful that he was so thankful. Anyway, Monday was a good but long day. Last night (Tuesday) we had an awards ceremony at school, so that too was good but made for a second very long day. Yesterday afternoon around 4pm, I got the robocall reminder that I had a massage appointment today at 4! What an awesome surprise and such a treat after two long days!! I had booked the massage about a month ago, and apparently I forgot to write it down on my calendar. I was so excited about my massage this afternoon.
Now as a mom, wife, and full-time employee, I appreciate massages for a completely different reason than just pain relief. For that sacred hour or 90 minutes, I have no responsibilities, no one is asking me to do anything (except roll over half way through :)), my children aren't asking me for anything, my husband isn't trying to coordinate with me, my students aren't asking me to do anything for them, there is nowhere else I'm supposed to be. I just lay there, listen to the music, chit-chat about trivial stuff, and get massaged. I leave feeling relaxed, content, and full of happy endorphins. If you've never had a massage, I highly recommend them. If you're weirded out by the idea of taking off your clothes and getting touched by another person, you'll probably get over it fairly quickly. Every massage therapist I've been to (except the 2 that were a little scary) has been completely
professional.
In summary, there are lots of health and mental wellness benefits of massage, and I am so grateful for massage therapists who share their healing gifts with others. If you're feeling stressed, need a pick-me-up or you're experiencing some sort of pain, massage therapy might be for you. Massages are good for the mind, body, and soul.
After I broke my neck years ago, I experienced a spectrum of pain ranging from aches to incredible headaches. I saw various doctors who offered everything they had to offer - referrals for physical therapy, TENS units, and lots of different medications (muscle relaxers, strong anti-inflammatories, and a variety of pain medications). The problem is you can't stay on drugs forever, physical therapy is very therapeutic but it can't always take away pain, and for whatever reason, the TENS units never seemed to do anything for me. I was talking to an amazing lady at Texas Tech, Julie Isom, one day about my pain, and she suggested that I go see this wonderful massage therapist that she knew about. I don't remember our exact discussion, but I remember expressing some concerns like...so I have to take off my clothes?! :) The idea of laying down on a table and having a stranger massage me sounded really bizarre, but the truth was I was in a lot of pain, and I was more than willing to try anything at that point. She gave me the therapist's name and contact information, and I made my first appointment.
Melody was the best - knowledgeable, professional, and a truly gifted healer. She herself had neck issues and had studied massage therapy and all kinds of biology (and who knows what else!). I told her about my injuries, surgeries, etc. and my search for pain relief. She offered a number of common sense suggestions and then I received my first massage. Heaven-on-Earth. I'm not sure if it was extra circulation to my neck or what, but I had immediate relief from some of the muscle spasms that I think were causing me the most pain. Over the next few years, I continued to see Melody a couple of times per month. I went from being on multiple medications constantly to not taking anything except for the occasional flare-up. I remember talking to my neurosurgeon about the massages and how much they were helping. Not only was my pain level so much better, but I felt better, the swelling in my ankles was much better, and I didn't have to deal with the unwanted side effects of the medications. While I loved my neurosurgeon, he didn't buy into the idea that the massages could be helping with my pain management. I really only told him so he could talk to others in my same situation, but anyway, I knew without a doubt that I had found something that was bringing me relief.
Once I moved away from Lubbock, I found different massage therapists. I've been fortunate to have mostly very, very good ones, a few so-so ones, and two downright scary ones! There was the one lady who massaged my shoulders and back so hard that I was bruised for days afterwards. She said, "You are so stiff!" What I should have said back was..."I'm currently scared for my life!" Then there was another lady who was convinced that if I just relaxed, she could get my head to turn. Because of the screws in my neck, I can't turn my head side-to-side anymore. I tell every therapist that very clearly before they begin, but she didn't believe me. :) Needless to say, I made it out of the situation as well, but there was lots of praying going on. Awkward.
While I have some headaches and neck pain now, it is nothing like it used to be. I typically get a massage once a month now, and on top of the pain relief, I feel like it is a most wonderful treat for myself and definitely a stress reliever. I am convinced if everyone could have a massage once a month, the world would be a much happier place!
Fast forward to this week. I love, LOVE, love my job. I never get bored, and I get the opportunity to meet so many wonderful students that I am constantly learning from and inspired by. I never have to worry about being asked to work on Thanksgiving or Christmas, I get to spend extra time with my kids in the summer, and there are other perks. I feel like in the very tiniest of ways, I get to impact a few lives - it doesn't get much better than that. On the other side of the coin, we do work long days occasionally. On Monday, we had a FAFSA Completion Night which meant my day extended from 7am-8:15pm excluding the commute. After one of the fathers finished his son's FAFSA, he asked if he could ask me a personal question.
"Do you get paid extra for coming tonight, or are you just helping out?"
This question kind of tickled me. :) I said, "I'm a senior counselor, and this is part of my job." He said, "Well, yeah, but do you get paid to stay at night or anything?! I mean you could be home with your own family." I assured him that I wanted to be there and that my family and I are doing fine. :) He shared some of his other thoughts and then thanked me for my time. This really hasn't nothing do with massage therapy, but the dad amused me, and I was genuinely thankful that he was so thankful. Anyway, Monday was a good but long day. Last night (Tuesday) we had an awards ceremony at school, so that too was good but made for a second very long day. Yesterday afternoon around 4pm, I got the robocall reminder that I had a massage appointment today at 4! What an awesome surprise and such a treat after two long days!! I had booked the massage about a month ago, and apparently I forgot to write it down on my calendar. I was so excited about my massage this afternoon.
Now as a mom, wife, and full-time employee, I appreciate massages for a completely different reason than just pain relief. For that sacred hour or 90 minutes, I have no responsibilities, no one is asking me to do anything (except roll over half way through :)), my children aren't asking me for anything, my husband isn't trying to coordinate with me, my students aren't asking me to do anything for them, there is nowhere else I'm supposed to be. I just lay there, listen to the music, chit-chat about trivial stuff, and get massaged. I leave feeling relaxed, content, and full of happy endorphins. If you've never had a massage, I highly recommend them. If you're weirded out by the idea of taking off your clothes and getting touched by another person, you'll probably get over it fairly quickly. Every massage therapist I've been to (except the 2 that were a little scary) has been completely
professional.
In summary, there are lots of health and mental wellness benefits of massage, and I am so grateful for massage therapists who share their healing gifts with others. If you're feeling stressed, need a pick-me-up or you're experiencing some sort of pain, massage therapy might be for you. Massages are good for the mind, body, and soul.
Monday, February 16, 2015
Our very brief experience with Obamacare...
I know politics are a sensitive subject, but I thought I would share our very brief experience thus far with "Obamacare" in case someone ends up in a similar situation.
As long as Devon and I have been married (11 years in April <3), we have been fortunate to have jobs with access to excellent health insurance. With this access has come hefty insurance premiums as we are probably all familiar with, but I am grateful for having it. Having been in a bad car accident over a decade ago, I understand first-hand how incredibly important health insurance is. Even though the majority of the major expenses were at the time of the accident when thankfully I was still covered on my parents' insurance (thanks Mom & Dad!!), I have had several CT scans, x-rays, specialist visits, etc. since, and insurance was critical in ensuring I had access to the care I needed. While I don't agree with many things about the healthcare system, I recognize generally how it works, and so maintaining health insurance is very important to me.
About a month and a half ago, a great job opportunity presented itself, so Devon applied for the job. He fortunately got the job, but the company position is a three month contract to hire position. Devon has always been hired on with immediate access to benefits as a salaried employee, so this is kind of new for us. As a contract employee, at least for now, we had the option to keep our insurance with his previous company (COBRA), get insurance through my workplace, forgo insurance temporarily (definitely my last choice), or we could consider "Obamacare." My inclination was to just keep what we had because it was very good insurance, but COBRA would mean our monthly premium would double because Devon's company had been paying half of the premium. We could pay the full premium plus a 2% administrative fee which was going to come close to being a second mortgage payment. While I considered trying to get insurance through my workplace, I have heard lots of complaints from my fellow employees, so I wasn't particularly excited about that option. Going without insurance was not an option in my book, so the final option was to try to figure out what Obamacare was. While I am sure I probably know several people who have purchased insurance through the "health marketplace," I haven't actually talked with anyone about it. I will admit, that while I am strong proponent of universal access to healthcare, I had serious reservations about even messing with Obamacare. Everything I have heard has been pretty negative - the website is horrible, the time to speak with someone on the phone could be hours, I wouldn't be able to see my own doctor, and on and on. Had the COBRA option not been so expensive, I would not have even considered looking further.
One night after the boys had gone to bed, I decided to peruse the website. There was an option to type in my zip code and search for options. The only information I had to provide was my zip code, the ages/genders of the individuals I was seeking coverage for, and whether the individuals were parents and/or tobacco users. After I put in this information, 24 plans pulled up organized into categories (bronze, silver, gold, and platinum) and by price ranging from lowest to highest. As expected, the least expensive packages had the highest deductibles and the more expensive plans generally had lower deductibles and better coverage. This part of the process was honestly a little overwhelming because there were quite a few options. I tried to find a plan that was comparable to what we currently had, so I could try to compare prices. As it turns out our previous insurance company did not have a comparable plan available on the Marketplace, but there were several other options with other companies that were either similar or even better.
I had a few questions about how it would work, since I didn't want there to be a lapse in our coverage, so I called the number listed on the website. I braced myself for a long wait, but a nice lady immediately answered. She answered my questions, and while I felt a little better about this possible option, I was still a little skeptical. The next day I discussed everything with Devon, and we looked at the different choices together. For each package, there is a link that you can click on to check and see if your doctor is covered under that plan. I found that for the plans we were considering, our doctors were covered providers. While the plan we chose certainly wasn't cheap, it was still going to be about $500 a month less than our COBRA option and from what I could tell, our coverage would be slightly better than what we currently had (i.e., cheaper prescriptions, lower office copay, same deductible, etc.). In addition to choosing medical coverage, it also gives you an option to purchase a dental and/or vision plan. Like the medical plans, the plans are categories and labeled as HMO, PPO, EPO, etc.
I filled out the online application (SO MUCH EASIER THAN FILING TAXES!!), and then it took me to a separate website to arrange payment, so that we could be covered by the first of the month. I could either pay online or be billed, but since our coverage would be ending very soon, I opted to pay online. I received an e-mail confirmation from our new insurance company, and within the next couple of days we received our new insurance cards, packets of information, and so on.
So, I felt pretty good about everything, and then a urinary tract infection hit. YEA! Today I got to test out my new insurance. I went to my doctor who I LOVE, and I paid my usual copay (less $10), and this evening I picked up my antibiotics ($0) because they're a generic brand. I don't know why, but this morning when I handed my new insurance card to the receptionist I halfway expected her to say, we don't accept Obamacare here! As it turns out, they do accept Blue Cross-Blue Shield even if I enrolled through the healthcare website. :)
I know that this is just the tiniest tip of the iceberg, but so far, I have been pleasantly surprised by this experience. In the future, if we have insurance options through work, we will certainly consider them especially if our workplace is paying part of the premium, but I will also keep the marketplace in mind. I like the idea of having choices and being able to choose a plan based on my family's needs and budget. There are no questions about pre-existing conditions, and there are lots of major companies to choose from (Cigna, United Healthcare, Aetna, Blue Cross, etc.). I'm not sure, but I think the deadline to enroll was yesterday unless you have a change in jobs (as we did), but if you do have a change in jobs, it's worth looking into especially if you're considering paying for COBRA.
As long as Devon and I have been married (11 years in April <3), we have been fortunate to have jobs with access to excellent health insurance. With this access has come hefty insurance premiums as we are probably all familiar with, but I am grateful for having it. Having been in a bad car accident over a decade ago, I understand first-hand how incredibly important health insurance is. Even though the majority of the major expenses were at the time of the accident when thankfully I was still covered on my parents' insurance (thanks Mom & Dad!!), I have had several CT scans, x-rays, specialist visits, etc. since, and insurance was critical in ensuring I had access to the care I needed. While I don't agree with many things about the healthcare system, I recognize generally how it works, and so maintaining health insurance is very important to me.
I take good care of my screws. |
He has a point! |
One night after the boys had gone to bed, I decided to peruse the website. There was an option to type in my zip code and search for options. The only information I had to provide was my zip code, the ages/genders of the individuals I was seeking coverage for, and whether the individuals were parents and/or tobacco users. After I put in this information, 24 plans pulled up organized into categories (bronze, silver, gold, and platinum) and by price ranging from lowest to highest. As expected, the least expensive packages had the highest deductibles and the more expensive plans generally had lower deductibles and better coverage. This part of the process was honestly a little overwhelming because there were quite a few options. I tried to find a plan that was comparable to what we currently had, so I could try to compare prices. As it turns out our previous insurance company did not have a comparable plan available on the Marketplace, but there were several other options with other companies that were either similar or even better.
I had a few questions about how it would work, since I didn't want there to be a lapse in our coverage, so I called the number listed on the website. I braced myself for a long wait, but a nice lady immediately answered. She answered my questions, and while I felt a little better about this possible option, I was still a little skeptical. The next day I discussed everything with Devon, and we looked at the different choices together. For each package, there is a link that you can click on to check and see if your doctor is covered under that plan. I found that for the plans we were considering, our doctors were covered providers. While the plan we chose certainly wasn't cheap, it was still going to be about $500 a month less than our COBRA option and from what I could tell, our coverage would be slightly better than what we currently had (i.e., cheaper prescriptions, lower office copay, same deductible, etc.). In addition to choosing medical coverage, it also gives you an option to purchase a dental and/or vision plan. Like the medical plans, the plans are categories and labeled as HMO, PPO, EPO, etc.
I filled out the online application (SO MUCH EASIER THAN FILING TAXES!!), and then it took me to a separate website to arrange payment, so that we could be covered by the first of the month. I could either pay online or be billed, but since our coverage would be ending very soon, I opted to pay online. I received an e-mail confirmation from our new insurance company, and within the next couple of days we received our new insurance cards, packets of information, and so on.
So, I felt pretty good about everything, and then a urinary tract infection hit. YEA! Today I got to test out my new insurance. I went to my doctor who I LOVE, and I paid my usual copay (less $10), and this evening I picked up my antibiotics ($0) because they're a generic brand. I don't know why, but this morning when I handed my new insurance card to the receptionist I halfway expected her to say, we don't accept Obamacare here! As it turns out, they do accept Blue Cross-Blue Shield even if I enrolled through the healthcare website. :)
I know that this is just the tiniest tip of the iceberg, but so far, I have been pleasantly surprised by this experience. In the future, if we have insurance options through work, we will certainly consider them especially if our workplace is paying part of the premium, but I will also keep the marketplace in mind. I like the idea of having choices and being able to choose a plan based on my family's needs and budget. There are no questions about pre-existing conditions, and there are lots of major companies to choose from (Cigna, United Healthcare, Aetna, Blue Cross, etc.). I'm not sure, but I think the deadline to enroll was yesterday unless you have a change in jobs (as we did), but if you do have a change in jobs, it's worth looking into especially if you're considering paying for COBRA.
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