Life is a little stressful right now. This new job Damon just started seemed rosier from the other side of the fence. When we were making the decision to move from Lucas to VC one of things considered was health insurance. Damon’s co-worker, who is married with no children, said he paid around 75 for the two of them so he couldn’t imagine it being more than $150 for the three of us. We used that figure as part of our “new” budget when deciding if the move was financially viable as we already knew it would be better in terms of “quality of life” since the commute is less than five minutes. Also, we thought that since he ended his old job on a Friday and started his new job the very next Monday, that there would be no lapse in our insurance coverage.
Apparently what they say about assuming is true as it created some massive ass of the two of us. After filling out all the paperwork and getting everything set up so that we could still use Kaiser, our same doctors, website and prescription setup that we picked out a year ago, it turns out that the “family plan” at VC costs $300 a month but if you are just married with a spouse it costs $75. That’s a massive increase for the addition of one child. I guess they just lump all family into one category so a family with a single child has to pay the same as a family with thirteen kids. That’s such bullshit.
Also, there IS a massive lapse in our insurance coverage. Our old insurance ended on September 1 and our new coverage won’t start until October 1. Apparently Damon understood the paperwork incorrectly and assumed that after 30 days at the job his new insurance would kick in. Apparently it’s 30 days after the first 30 days. Why they didn’t just say 60 days after starting I just don’t know.
We looked into using COBRA to cover us for the one month that we’d be uninsured but they want $800 for that one month of coverage. We just spent some money on a few new computer parts to upgrade our machines to be able to run warhammer and spore without having to keep settings on low. $800 was an asinine amount of money for insurance. Fuck insurance.
So the month of September is going to be a very dull month. We’re not going to drive anywhere or do anything that may expose us to unnecessary risk because any kind of trip to the hospital will just break us. We’d like to buy a house sometime but if we have an accident now that will destroy our chance to have one before we’re 80. If Chloe falls and hurts herself we’ll just have to use duct tape until October first. This really sucks because I was planning on driving down to my parents this month since Chloe turns two on the 10th and I turn thirty on the 11th. I wanted to celebrate but now this insurance bullshit put the skids on those plans. It’s all been postponed until the first weekend in October.
Right now, I hate America, our insurance and hospital system. Screw the retarded overpriced hospital charges that they have just because they know insurance has deep pockets. Something needs to change. I can’t live like this. If we ever find ourselves in a situation where we don’t have a job that provides affordable insurance we’ll be out of pocket so much money that life will be a bit sterile and unappealing.
Just pull my plug please.



























