I am so dismayed and frustrated right now.
Finally, the Health Insurance crisis has come knocking on MY door specifically. I bet it is a surprise to no one that school district insurance packages are not--by any longshot--the best out there. However this year, it has gotten beyond ridiculous, and we are STUCK.
Ugh! Getting my Master's degree, trying to remain part-time to spend more time with Carson, fighting for a 1% cost of living raise from BVSD--all just got canceled out in one Health Insurance nightmare. Why is this system so BROKEN??
Under BVSD's current health insurance benefits, I have to pay $384 per month to have Carson listed as a dependent. Next year, we have been informed that this cost will increase to $516 per month. This $132 monthly increase will result in $6192.00 paid over the year to insure Carson, which is absolutely ridiculous. So I shopped around a bit to see if we could independently insure Carson through another carrier...which is totally possible with a BETTER COVERAGE Plan that would cost around $180 per month. Over the year, this would save us over $4000.00!
Except that Carson has a "pre-existing condition". He has a genetic Epigastric Hernia that his doctor wants to remove this summer. The hernia is not a medical threat. The only reason we are having the surgery is for cosmetic reasons and to avoid any physical contact pain for Carson in the future (should he play football, etc...). It is an outpatient procedure that will take 1 hour.
So we can't get another insurance policy for Carson. Anthem just laughed and said to check back with them in 6 months. After paying $6192.00, we will make less money next year, and I won't see any financial benefit after getting my Master's degree except the added cost of student loans.
Running in the hamster wheel gets old. A Health Insurance system that operates like a legal form of organized crime is wrong. Will change ever come? Not in time to save us next year.
Tuesday, May 26, 2009
Thursday, May 21, 2009
Catch the FEVER!!
I LOVE sports--for the very reason that there is a unifying frenzy of excitement when your home team is doing well. In Colorado, we experienced this with the Rockies in Rocktober, and now the Denver Nuggets are making a bid to play in the NBA finals. What a great game tonight! The Nuggies beat the Lakers in LA!! Woo Hoo!
Catch the FEVER!!!
Catch the FEVER!!!Gearing up for Summer
I can't wait for Summer. The weather has been really nice this week, so Carson and I went over to the Orchard Center (5 minutes away from the house!) for some fun. I love these "jumpy-water things" that kids can run through. I got Carson in swim trunks and he was ready to go...
except he wanted to play at the playground instead. I kept asking him--"don't you want to play in the water"? He said "ok...NO".
except he wanted to play at the playground instead. I kept asking him--"don't you want to play in the water"? He said "ok...NO".Recession? What recession?? :)
We are co-owners of a boat! After years of working at the Boulder Reservoir, we always mulled over the idea of getting a boat--but could never pull the trigger...until the right deal came along!
Bob Franklin found the boat on Craigslist. The guy was selling the boat because he didn't want to deal with registering the boat trailer. We bought this boat for $3500.00--which is unbelievable when new ones retail for $25,000! I am SO GLAD we did!
We have taken the boat out twice already; once to Carter Lake and once to Boyd Lake. It is AWESOME! I just love hanging out, taking everything in. Mike loves to fish, and Carson loves to drive. :) These pics are at Carter Lake.
Bob Franklin found the boat on Craigslist. The guy was selling the boat because he didn't want to deal with registering the boat trailer. We bought this boat for $3500.00--which is unbelievable when new ones retail for $25,000! I am SO GLAD we did!
We have taken the boat out twice already; once to Carter Lake and once to Boyd Lake. It is AWESOME! I just love hanging out, taking everything in. Mike loves to fish, and Carson loves to drive. :) These pics are at Carter Lake.Fun Friends and some silliness :)
Carson showed off his casa-nova style at our Mothers Day/Mike's B-day BBQ. How cute is this??
Carson's new thing is DRIVING. Driving ANYTHING. In this picture, Daddy let Carson have some drive time, and Carson found Daddy's hat in the car and put in on himself. Trust me, he won't be wearing a hat sideways or sagging his pants in the future... :)
Carson's new thing is DRIVING. Driving ANYTHING. In this picture, Daddy let Carson have some drive time, and Carson found Daddy's hat in the car and put in on himself. Trust me, he won't be wearing a hat sideways or sagging his pants in the future... :)Happy Easter 2009
We weren't sure how much Carson would like finding Easter eggs--but we got our definitive answer this year. He LOVES it! We actually hid eggs twice and he just puttered around the house looking for them. Note to self: dye eggs next year and attend the neighborhood egg hunt!
Carson got an assortment of Easter goodies--a big duck who is now called "Ducky", some bath/sand toys (thanks, Keith and Debbie!), a new book, and some SUGAR!!!
Carson got an assortment of Easter goodies--a big duck who is now called "Ducky", some bath/sand toys (thanks, Keith and Debbie!), a new book, and some SUGAR!!!18 Month Old Pictures
Eden and Carson--Together Again!
Darren, Cherish, and Eden came back to Colorado for a visit in April. Carson definitely remembered "Baby" (his name for Eden), but he was somewhat preoccupied with cutting a few teeth when they were here. We didn't end up taking many pictures during their trip, because it was actually interrupting them playing when we tried to get a shot. Here are a few pics from the Denver Children's Museum that are pretty good:
Bruder and myself lookin' good
Carson is shopping in the play grocery area
Eden and Carson are selecting some produce
Isn't she cute? Both Carson and Eden enjoyed the Brio train room the most during our visit--which is great news since there is a HUGE train set at Grandma and Grandpas!
"All aboard"! And yes, that is a vintage Star Wars T-shirt. :)
Does this surprise any of you? Darren played with the trains as well, which gave me a total flashback to my childhood when he was obsessed with trains. I'm glad things don't change :)
Grandma performed a puppet show for the kids. Eden sat in front to watch the show, and Carson burst backstage to find out what the heck was going on. Hopefully Carson learns NOT to do that as he gets older--or we might have a problem with things like the circus...
Bruder and myself lookin' good
Carson is shopping in the play grocery area
Eden and Carson are selecting some produce
Isn't she cute? Both Carson and Eden enjoyed the Brio train room the most during our visit--which is great news since there is a HUGE train set at Grandma and Grandpas!
"All aboard"! And yes, that is a vintage Star Wars T-shirt. :)
Does this surprise any of you? Darren played with the trains as well, which gave me a total flashback to my childhood when he was obsessed with trains. I'm glad things don't change :)
Grandma performed a puppet show for the kids. Eden sat in front to watch the show, and Carson burst backstage to find out what the heck was going on. Hopefully Carson learns NOT to do that as he gets older--or we might have a problem with things like the circus...Saturday, May 2, 2009
I think I love horse racing
Did you see the finish of the 2009 Kentucky Derby? Simply put, it was amazing. A horse in second-to-last place passed everyone on the inside rail during the final turn and won by a few lengths. It was very dramatic! The odds for "Mine that Bird" to win were 50-1!! The Gambler that lives inside of me loves the combination of betting and horse racing... Someday, I want to go to the Kentucky Derby to experience the whole event. :)
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