Memories, A Medical Update and That Time I Talked About Health Insurance


So once again it has been awhile since I have had a chance to sit down and write. Lots has happened and I wanted to share a few of those updates! On Saturday we had our family pictures taken by a friend who has some crazy amazing talent. I have only seen some of the sneak peaks…but what she has shared so far has blown me away. Her name is Stephanie Werner and she can be found here on Facebook. Seriously, if you need pictures taken and live in or near Marshall, MN, call her. I can’t wait to see the final edited CD!!

We have had a few really crazy weeks with work, and we just had some of the carpet replaced in the office space that we lease so things have been in a bit of a disarray here. But as of yesterday, everything was moved back into its proper place and the carpet looks really nice.

I couldn’t help but think that my grandpa would have really loved to see the before and after pictures. He and my grandma really supported us when Dominic first started this business. They gave us the loan that made it possible to buy the furniture and supplies he needed to get going. When I was cleaning out my desk drawers before we had to move everything I came across the paid off promissory note that he sent back to us after we had paid off everything in full. A sweet memory.

Speaking of memories, yesterday was the 7 year anniversary of my best friend Karlena’s passing. Honestly, I couldn’t believe it had been 7 years. Sometimes that seems impossible. But then I look at my girl, her namesake, and realize that she will be 7 in 6 short weeks. I was organizing pictures on our shelves after the move in the office and many of them are of our family and you can see how we have all aged and changed. But the pictures I have with Karlena and I will forever be from 2010 and earlier. It is sad when you think about the fact that someone so crucial to your faith walk isn’t there for new steps. But her presence and memory are certainly felt and I will forever be grateful that I had the opportunity to love her and be her friend.

On October 19th I had a follow-up visit with my OB/GYN Dr after my surgery. The good news was that everything was healing well and the biopsy from both the cyst (which was the thing I was most concerned about) and the tubes was benign.

In addition to having those things removed, I also had an ablation procedure. I shared back in September that because of the way that my uterus is tipped they were unable to do a standard biopsy in the Dr’s office, so instead they had to do it in the operating room prior to doing the ablation. My Dr had talked to me that there was a small chance that if something showed up in the biospy of the uterine wall that was concerning, I may have to have a hysterectomy in the future.

At the time there wasn’t anything in my history that indicated that might be a concern so we went forward with the lesser invasive procedure. Unfortunately, when they did the biopsy of the lining there were some sections of concern. In medical terms, there was some focal glandular crowding, proliferative-type endometrium, and cystic dilatation….in layman’s terms I like to call this my angry uterus.

Right now my angry uterus is just that…angry. Ha ha!! It isn’t cancer but if left unchecked and untreated it could become more serious. She said that we could wait a few months and then if my cycles don’t quit completely (like they do for 85-90% of women that have the ablation procedure) she would recommend a hysterectomy. (For people without an angry uterus bi-annual biopsies done in office can be used to watch for any changes….mine would have to be done surgically)

I am 42, almost 43. I won’t be having children physically in the future and so from a medical perspective, I don’t need this darn angry, funny tipped uterus. The reason we didn’t just do a hyst right away is because it has a longer recovery time and more risks….we were both thinking that the biopsy would be normal and hoping that I wouldn’t have the need for any more surgeries.

Well then last week we got the wonderful news about our anticipated healthcare premium increases. And just so I am clear, this is our experience and I realize that there are many of you that have had different experiences. I don’t know what the answers are, I wish I did…but I want to share what we have gone through the last 6 years and what is happening now as a result.

Let me just be frank with you, Obamacare for our family was a nightmare. Our premiums have doubled, tripled, quadrupled in the course of 6 years. I was fortunate for many years to work in a corporate environment and so as a result up until 2011, had access to a large group plan that offered reasonable rates and low deductibles. We were involved in a health coaching group and kept accountable for our health needs. Except for some major unexpected things, our group was healthy because we as a whole exercised, ate healthy and went to the doctor when it was medically necessary.

When we moved to MN and I was no longer working with that larger corporation and Dominic started his own business, we were in the position to look for healthcare on our own. I was clueless to what it would cost and we were shocked at how much more expensive rates were than the rates I had paid through the bank. But in 2011, it was manageable.

Then came 2012, 2013…and so on and with it extreme increases in premiums and out of pocket deductible costs. In 2011 we were paying approximately $400-450 a month for our family of 6 with maybe a $2000 deductible. Today we are paying $1600 a month and we have a deductible of over $7000 out of pocket. If we stay with our current group plan for 2018, one that we were lucky to get because we work together at the business….one that we were grandfathered into last year, our premiums will be almost $2100 a month.

$2100 a month just to have insurance. Our plan used to have a $40 co-pay, so at least when the kids got sick we could justify the expense of going in and getting checked out. In 2018 our co-pay will be eliminated. In addition to the $2100 a month, we would have to pay 100% of all medical costs per person up to $2300 each before any “insurance” would kick in.

Dominic and I work very hard for a living. We are fortunate, we know that. We make just enough that we do not qualify for any subsidy programs. Our cost of healthcare is fully our own. I know that we are not alone in this. I am friends with other families, many of them also self-employed, who have found themselves in a similar situation.

How is this “affordable healthcare?”

Last year we researched the options available to us in regards to the various Christian Health Sharing ministries. Fear kept me stuck in the what-ifs. Dominic was more ready to make a switch than I was but with promises of “reform” all over the news last November….we decided to ride out one more year in hopes that change was really going to happen.

Clearly that change isn’t happening anytime soon. The insurance companies continue to increase rates, decrease benefits and lesson the available networks that the plans work in. When my health care premiums are more than my mortgage payment each month, something is wrong.

So, as a result, two things are happening. One, we are looking into all of the options and companies out there that are considered Christian Health Sharing Ministries. I have spent hours reading and researching the differences, asking for input from friends that are using each plan, and honestly in prayer for wisdom and discernment over our decisions. I can’t live in fear of the unknown. When we get to that place where we have made some decisions I will share the whats and whys here for anyone that is interested.

I still have some questions and am hoping to get those answers soon. I am saddened that this is the state of our affairs and that we have to make these types of “between a rock and a hard place” decisions. But I am trusting that God will guide our choices and our steps.

And two….I have been back in contact with my doctor to discuss and schedule a hysterectomy (one that leaves my ovary intact!!) for the very end of December. While having another surgery in 2 months isn’t on my list of the best ways to end 2017 and ring in a new year, I can’t afford to risk waiting and having to do the surgery in early 2018. If there is a drastic change in my cycles in the next 6 weeks, the surgery could be canceled…but at this point, it looks like for many reasons, it is the best option for me.

I thought the week-long recovery of the last surgery was tough. This one will challenge me even more I am sure. But Dominic has been incredibly supportive and we will just have to schedule our workload very light in early January as a result. We have some pretty incredible clients and I know they will understand.

And sometime in the next 6 weeks I need to come up with about 10 freezer meals that I can make and freeze in advance so that I don’t have to worry about cooking. I won’t be able to lift anything over 20lbs for 6 weeks for sure, no laundry, no vacuuming….seriously what will I do?! Haha!

But joking aside, can I tell you that I have such a peace about all of this?! When my doctor said it might be something we would have to do it was like “ok…I can deal with that.” All the fear and anxiety I felt over the last surgery is just gone. Praise God! I know that having come to that place with Him, trusting that whatever the outcome, He would be there….that truth has carried me through today. It can only be explained by Him. He has given me a peace and I am so grateful for that.

So I do covet your prayers as we make final decisions about our health care situation and for December 28th and my surgery. It could be so much worse, I know that….so I just move forward seeking to get to the healthiest place that I can for myself and my family!

And if you are using a Christian Sharing Ministry and want to share your experience please do! What do you love, what works…what doesn’t, would you go back to traditional insurance? What questions should I be asking…give me all your knowledge!

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3 thoughts on “Memories, A Medical Update and That Time I Talked About Health Insurance

  1. Tiffany

    Oh, man. Wish I lived closer so I could bring you some freezer meals! And thank you for the reminder of Karlena. What a beautiful soul she was!

    Reply

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