I Am Insured, Finally!

I received a phone call the other day from my OH. He called to tell me he had good news. I know, it's been so up and down for us lately with good news, bad news, good news, bad news. So he tells me that his medical insurance had finally approved me to be on his medical plan! Finally! We have been dealing with this for 3 months. Yes, I did not have insurance for 3 months! I know a lot of people don't or can't get insurance at all, but I have always had insurance from the company I worked for. When they went out of business, I was on Cobra for 2 months, but since that company was no longer going to be in "existance", I couldn't continue with Cobra. I checked into private options, yeah, NO WAY could I afford that! I totally understand how so many people can't afford insurance. I had my OH check into his company's insurance to see if they cover "domestic partners". He received all the paperwork and yes, they did cover domestic partners, but there was so much that had to be done in order for me to be approved to be on his insurance.

We had to have 2 notorized affadavits, and 2 current statements with both our names on them. By current statements, it had to be a mortgage, car loan, bank account or utility statement. Well, even though we have been together over 14 years, we buy our own vehicles, we have separate bank accounts, he bought the house, and the utility statement was in his name only. So we called to have the utility statement put in both our names. The only vehicle loan we had together was my horse trailer. I am the primary account holder, he is the co-signer. I called the bank my loan is with, and they fought me tooth and nail about adding his name to the statement. They said all they could do was send me a letter. My OH's insurance company wouldn't accept the letter, even though it had both our names and the loan information in it. So another call to the loan company. I asked to speak to a supervisor. They still wouldn't do it. The only thing they could do is put my name first on the statement, then put C/O "OH's name". I didn't think it would work. But it did! Big sigh of relief here! I was really worried that if I couldn't get on his plan, then I would have to be uninsured. I have mentioned before that I have had lung and knee surgery, and I think I probably need another knee surgery or two someday. So being without medical insurance just wasn't going to work.
This came at the right time. Now that I have a job, and a dangerous job at that, having medical insurance is a must.

Just in the last 2 1/2 weeks of working with horses, I have had 2 rope burns, a blood blister, and I had a 15.3hh horse spook and come down on my foot. I was pretty sure nothing was broken, but I knew something was going to be bruised. When I got home, yep, my big toe was bruised. The next day, I had a 16+ hh horse step over and put his hoof right on that same foot! He just wanted to itch his side, and was balancing himself with that leg, but he is an english horse, and has those big shoes on! My poor bruised toe. Anyways, no major injuries. But now I know, that if anything worse happens, I have insurance! Yes mother, I am being careful!

The weather has been really wacky here, pouring rain one day, clouds the next, thunder and lightening, than rain again. I have worked late the last couple days, so I haven't been able to get out to play with Chance. I miss my baby! Actually, the day we had a thunder and lightening storm, way before it happened, as I was getting the horses to turn out, longe and groom, even the most mellow horses were acting all spooky and jumpy. I knew something was going on to cause this. Before you know it, it starts to just pour rain, and then the thunder and lightening hits. I think all that electricity in the air caused the horses to go a little crazy! I find it so interesting how animals can sense a storm or earthquake, before it happens. Amazing creatures I tell you!

I wish I had some pictures to share, but with my long hours at work, I get home right before dark, and my camera doesn't take good indoor pictures! Hopefully this weekend the weather will cooperate and I can get a few photo opportunities!