Insurance Purgatory
Well, onto the next dilema. Husband's work insurance finished on Sept 5. We have not received any offer for cobra or other insurance from them yet, so this leads us to a strange perdicament.
No one will accept you without insurance, even if they do say they will pay it backward. This brings up another interesting problem. Retirees leave there with their insurance ready to go the next day, but the disabled who actually need ongoing care RIGHT NOW, are left in a purgatory of types. If I take him to therapy, it's $258 a visit, which is about $1000 a week, or $4000 a month. Interestingly, the insurance says they have 30 days to make us an offer, and we have to respond in 15 days. Or if they don't do that, they have _90_ days to make us an offer, and we would have 15 days after that. ??? So.... let's see, that would be like $12,000 in therapy that I could pay myself... and what if it doesn't really pay me back? So, I drop therapy.... now the other really fun side of this arrangement. When they finally offer us insurance, we will probably get to back pay till Sept 6, for the insurance we didn't have yet, and were afraid to rely that it would kick in.. so at least $1000 a month for insurance that you are afraid to use, just incase they didn't really mean it would go back. Purgatory.
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