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Unread 08-11-2007, 07:08 AM
My Husband

My husband was escorted out of the building on Thursday from his job, they told him after 10 years they are eliminating his postion he knew for awhile this would happen but when . I had a doctors appointment on July 19th so I am clear, for now we dont have any medical insurance.

People are saying to us you should buy cobra? I am wondering how are we going to buy cobra with no income, I do work 2 days a week as a nanny but that just covers my grocerys and gas for the week. please pray for us that my husband finds a job with medical insurance....

thanks for listening

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Unread 08-11-2007, 07:38 AM
My Husband

Brenda, if you have to "beg, borrow, or steal," please make sure you have COBRA!!!! I know it is very very expensive. HOWEVER, if you let the group insurance lapse, no insurer has to cover anything related to your cancer when you get insurance again. If you have COBRA, your husband finds a new job, and there is no lapse in coverage, they have to cover you (and they cannot ask during an interview or make it a condition of his employment that you had cancer). It is extremely important for you to do this.
Unread 08-11-2007, 08:30 AM
My Husband

Yes, you must have continuous coverage, as WillToWin said. I had both my cancer surgeries (hysterectomy and lymphadenectomy) while on Cobra. I was even at the end of the 18 month-limit, but was SO glad we had it. Try to do everything you can to keep your insurance coverage even if it means Cobra. Though it is expensive (you are paying for the portion the employer used to pay for), it will mean, besides continuous coverage, that your present level of insurance remains the same, along with your present doctors, etc.
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Unread 08-11-2007, 08:40 AM
My Husband

Whew, this is a tough one for you. I looked at your profile here, and it's good to see that you are young, yet. (compared to me and my DH. DH is 64! He just found out he has prostate cancer).

So, I can bet he'll find a job, but it takes time. I see that you are experienced in caring for children. You like the outdoors. (Maybe pull in some income by becoming a pet sitter/house sitter?) I rely on pet sitters sometimes! Or dog walkers. It would be fun, if only I could walk without a cane!

I know that once you get over the shock of the job loss with your DH, you will be resourceful and find a way during this time of transition.

Also, sometimes a local college will have ads on their site for nannys. Esp. the teachers who need nannys. I don't know if you'd have to be a student to gain access to the website, though...with the ads.

Best of luck to you. have to have it but it isn't easy.

Sometimes surviving cancer seems easier than surviving life's bombs like job loss.
Unread 08-11-2007, 09:28 AM
My Husband

thanks for all the responses, my husband said we have insurance until the end of august through his company after that he will just insure me and not he and my daughter....he does have a second job doing massages but this is a self employed business and by any means we cant live on just my nanny job and his massages well wish us luck it has only been 2 days . I am starting to panic for no reason just feel depressed today is all
Unread 08-11-2007, 10:02 AM
My Husband

Grace, does he get unemployment? It may not be a lot but could cover the COBRA until the new job comes along.
Unread 08-11-2007, 10:16 AM
My Husband

Brenda, Sorry to learn about your husband's job loss and hope he can find something soon and that will be even better in many ways than the other job. Glad the sister's informed you re the need to have continuous insurance, etc. and may you be able to work this in somehow.
I will keep you and DH in prayer.
Unread 08-11-2007, 01:29 PM
My Husband

wow i didnt expect so many responsis everyone is so nice on this board I have been a member since 2002 it might say 2005 i think but i was on here before thanks to all
Unread 08-11-2007, 03:19 PM
My Husband

I'm so sorry to hear about your husband losing his job and insurance. This is very scary when you are a cancer survivor!! Sadly, our medical system doesn't do much to look out for people in this situation.

I have a cancer survivor friend who just moved to Maine. While she was living in another state and going through chemo, her insurance was rescinded, leaving her and her husband a zillion dollars in debt, plus, worse, with few options for her future care. Now they are in Maine, though, which has a state insurance system. They pay on a sliding scale (couple hundred dollars a month for the two of them) and it covers EVERYTHING, plus there are no exclusions for pre-existing conditions.

Wow, a system like that could attract a lot of new people to live in Maine!

Best of luck to you in figuring out your work and insurance problems. And keep up the good health!!
Unread 08-11-2007, 07:48 PM
My Husband

I read your post and was taken back to Oct 06, that's when my husband was laid off due to downsizing, 8 years we too know it was coming, just didn't know when. We had insurance to the end of Oct, which covered my ONC visit. His unemployment wasn't approved until Christmas Eve, the unemployment guy called us with the news on 12/24/06. We didn't take Cobra, because my husband is retired military, when he retired we chose not to enrole in military healthcare due to past experiences. Now we are glad we could fall back on this health insurance, not the best but better than none. He found a new job, so will your husband, they cover very little, so we stayed with the military.
I think I know how you feel, like a punch in the stomach, I felt like I got runover by a train, all I can tell you, pray and don't give up hope.
You are in my prayer's. Andrea

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