With every thing moving around so much in the stock market and in the economy, we have had to really look at what we are spending every month and look for ways to cut back on some things. Some things we would like to cut back on but we can’t include:
Well you get the idea… Some of the things we really cannot live without. But I feel if we can budget our money better then it will get easier over time and our debt will get paid off, and then I can add back my 50 dish channels I had to cut.
Yesterday I received a letter from my health insurance company claiming I owe them $156.00 for 2 prescriptions that I got in the beginning of the month. So I take the beating of calling the insurance company today, and wait for 10 minutes on hold just to find out that since my employer switched group numbers (and didn’t save us any money) she proceeded to tell me that from August 31st till September 22nd I basically wasn’t covered.
So insurance phone person said, “well you will have to take this up with your HR/Benefits person”
Oh great… so I fire off an email… and the response >>>
“Don’t worry, your not the only one. I’m still looking into this.”
Sweet I’m not the only one, however I have a letter from the ‘collections dept.’ wanting their money. Maybe the next time I’m checking out auto insurance quotes I will just get some health insurance quotes at the same time.
It’s about that time of year I either blow it off (pay the same) or compare auto insurance quotes. It’s Auto insurance time. I usually like to start off online to see what company will offer us the best rate within the same limits. Of course the cheaper it is the better, but not at a loss of coverages though or higher deductible rates. Back in the spring I was rear ended at a stop light and the damage was pretty minimal. However the guy didn’t have a license or insurance so instead of dealing with it, I’m living with it. Again you can hardly notice. But what if I had a high deductible? I would then have to pay for it out of pocket.
So it’s time to start shopping around and see what we can come up with and compare some rates. Not sure if we will really switch since we currently get discounts since our home is with our auto.
Insurance that is. This week my wife is on a mission trip to Southern Mexico, so of course she is traveling out of the country. One thing that was good to hear before her trip is that she would be covered. And what I mean by that is she would have travel health insurance. That way if there were any issues or problems she would have insurance with a very small deductible (better than my regular insurance) and get the help needed just in case.
For instance they were flying through Mexico City Airport and had a 4 hour layover and our church worship leader (to make a long story short) was getting a drink from a restaurant turned around, passed out and fell on his face. They had to have medical personal come over and assist. Good thing, he is OK and moving on with the mission trip.
After this experience (well my wife’s) I would think twice before leaving on any trip with out this insurance.
Tags: Flying, Health, Insurance, Mexico, Sickness, Travel, USA
Blogging, Family, Travel | tazdog, July 15, 2008 9:00 pm | 
Comments (0)
Almost every summer Leslie and I head back up to Seattle (My home town) to visit family and friends. And almost every time we travel, regardless where something within the family happens. So this summer we are starting to make our plans for some traveling.
Now this summer and probably every summer from now on prices will being going up and up and up. So right now the decision is being made based on costs versus happy travel time. Based on the prices creeping upward and family health and emergencies, we might look into travel insurance for our trip this year.
That way if something does happen or something comes up, it’s not a total loss if you know what I mean…
Tags: Arlington, Family, Insurance, Seattle, Texas, Travel, Washington
Blogging, Family, Travel | tazdog, June 6, 2008 9:48 pm | Comments (5)
These last couple of years our family has had it’s share of health issues. Couple of years ago my FIL (Father in-law) thought he might be having a second heart attack and went to get checked out and sure enough he had a minor one. Doctor wasn’t too concerned, but they checked him out more and the next day he had to have a Quadruple bypass. That was scary. I have had some issues, Celiac Disease and high blood pressure. My wife has had some blood pressure issues. My mom just had gastric bypass surgery, and my MIL (Mother in-law) just found out they have a minor slow moving MD issue.
So it’s good that we have insurance that covers these kind of things. I can only imagine some of the costs associated with some of these procedures. If you don’t have good health and you need insurance you should check into it. If I was in NC I would check out North Carolina health insurance.
