This past Friday my wife woke me up bright and early, half crying, half crazy to tell me that she was pregnant (it was 6:30 in the morning and she was getting ready for work). After that was a blur as I held her while she wept on my shoulder before going to work her 12 hour shift.
My wife and I have decided that our plans never work out. Ever. Any time we make substantial plans they always go completely off course. Sometimes I wonder if it's God's hand making the plans or Satans (or both). In this case we had our next two years completely planned out:
1) I raise our daughter while go to school full time for a bachelor's degree
2) My wife work full time (and then some) to pay for our living expenses.
3) We attempt to pay off $6000 remaining balance on our second mortgage and then pay off my mother-in-law. After that we would have NO debt other than our house and school loans.
Once we found out about the pregnancy it left us in a scary position: my wife has no health insurance. We were picking out a plan through Anthem last week to buy it privately. Now no one will touch her with a 10 foot stick. This leaves us in a scary position: pay for all her medical costs out of pocket or get government assistance. My wife cringes at the thought of being on Medicaid however would it be worth it getting more in debt to have a baby in addition to having to save because my wife has no maternity leave???
So right now our plans have changed. Granted, we are THANKFUL to have this little one and even though he/she isn't coming at our optimal time, it is the Lord's timing for us and we are trying embrace the idea of having two little ones under the age of two (it's kind of scary!).
I'm trying not to freak out being a unemployed full-time student. I want to provide for my family and right now I am not and if I go out and get a job the most I would be making would be $10-$12. That is not enough for us to live off of. My wife keeps insisting that I stay in school, I say drop out at least of the time being. How can I work full time, take care of two kids, and go to school full time?? So there you have it. Our three goals for the next two years are somewhat up in the air right now. I don't know what we should do or what would be best for us right now.
All I know is that we need lots of prayer!
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Wow, you have a very tough situation. First off, i totally agree with your wife about getting on Medicaid. I am the same way. My husband just recently lost his job and insurance and I am not working because I too am a full time student. Not to mention we have 3 kids. So being like your wife and not wanting to get onto medicaid, we have to overcome it for the safety of our children. It would be better to accept medicaid to get through the pregnancy and make sure your baby and wife are safe. As long as you are not like half of America on Medicaid and go 3 times a week, I don't think it would be bad to get on Medicaid. It would be so much better than paying those hospital bills yourself. It will be very expensive. Good luck with your situation. I hope everything works out for you, and congrats on the new addition!
ReplyDeleteMedicaid is the only government assistance program I would suggest using. They will pay the doctor checkups, and hospital bills. The only cost I had with my baby I had with medicaid was the $25 dollar circumcision. I would not suggest dropping school, not even for now. It will only delay your family moving forward. And there is always going to be something that comes up. Just sit tight, and see what God has in store for you guys-you obviously have some faith in him, your just a bit shaken up right now.
ReplyDeleteThat is a tight situation indeed. I would say do not seek out loans. Going even further into debt may help you now, but in the long run it will only bog you down. I suggest, stay in school, and do not be afraid of looking for assitance either. Medicaid is there for a reason, and the Lord uses everything for the good of those who love Him. I have had situations where I had no other choice but to seek help, and they were pretty humbling (that is actually a good thing I think.) In the end, they taught me to trust and rely on the Lord, and made me realize His hand is in everything. Your family can make it through this time, and I would encourage you to seek joy in your situation (even though it might be hard.) The word says blessed is the man who overcomes!
ReplyDeleteIt sounds like you've definitely got a lot to think about. My advice would be to stay in school. The older you get the much harder it is to get back in to the swing of things, especially because of how fast technology changes. I wish you the best of luck and I hope you both get it figured out.
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