because when it rains, it effin’ pours
ever have one of those periods of time in which everything that can go wrong, WILL go wrong? cause i'm totally there. and i need help. or a good stiff drink. or both. both would be good. the other half, about whom i posted last time, ended up on short term disability due to depression/anxiety/insomnia, so his job is safe until july 20th, when he goes back to work. thank you all for your help with that one. issue the first: health insurance. i teach. i left one parish in may (okay, my contract wasn't renewed after all, since they found someone who's fully certified with tons of experience. but whatever), and i am now employed with another parish. i have a contract. i am an employee. my benefits do not start until october. bitchy hr director in last parish cut my benefits in may, rather than august, as was promised. told me i'm no longer under contract, so they can do that. fine, whatever. i just found out about this this past weekend. my mom oh so helpfully shredded my cobra paperwork bc she decided for me that it's too expensive. last year, the state covered my pre-existing conditions because i'd had student health insurance, so there was no gap in coverage. i would like to have health insurance throughout the summer, so that my pre-existing conditions can still be covered. yesterday, i applied with aetna. i didn't know a lot of the stuff they were asking for, so i just put "idk," "i don't know," "i don't remember," or a generic, like "antibiotic." i also have several pre-existing health conditions (well, if you go back on everything for ten years, that covers a lot). i have asthma, migraines, occasional high blood pressure, i've had depression in the past, i had rotator cuff surgery a few years ago, rectal bleeding thanks to that nice rapist in italy.... you get the idea. but, the only thing i've ever been hospitalized for is the rotator cuff surgery (one day) and the colonoscopy i had to check out the rectal bleeding (outpatient). so, today i got an email telling me i've been declined, but they didn't say why. so now, i get to put "why yes, i have been declined" when applying for other policies. i just don't know WHY... if it was the lack of info or the health issues. they said that they would get in touch with me, but idk when. today, i applied with blue cross/blue shield and assurant health. the blue cross stuff is for regular health insurance, but they don't cover much at all. the assurant health is for short term health insurance, just to get me through to october, when my state coverage SHOULD, hopefully, start. either of them might deny me because of the lack of love from aetna. so. should i apply like mad to other health insurance programs while i can honestly say that i don't know, or that i was not declined due to health issues (bc it really might be the lack of info), should i go broke trying to get on cobra, or should i stick with my short term health insurance (that i don't know for sure i'm going to get) and hope that the state office of group benefits will consider it real insurance coverage and continue covering my pre-existing conditions? would i be better off trying to get the cobra, or trying to get guaranteed health insurance coverage? i'll pay through the nose for either of them, but well, i'll have it. or should i just learn to live without insurance? my mom thinks i should just take whatever i would spend every month on health insurance and save it, but i'm extremely uncomfortable with that. i'm currently a full-time student, and will be part time in the fall. i may be eligible for student health insurance again, but since i'll only be part time, idk. also, i'm attending a small private college. they may not offer it. (louisiana college) even though i have tons of bills and stuff, i still make too much for state coverage. what should i do? i'm extremely frazzled by this, and it's making me want to cry. issue the second: hurricane prone areas and freezers... and cats issue the second: hurricanes! okay, so the new job requires me to move to south louisiana (thibodaux). on the state's "oh crap, you live in a hurricane zone" map, we're in the second, orange section. i have an upright freezer that i use to stockpile groceries. is there even a point in bringing it? i'm a bit afraid of going grocery shopping, losing power several days, and losing all of those groceries. but, the freezer in the fridge doesn't offer a lot of space, so i'll have to go grocery shopping more often, which means i'm likely to spend more money. also, i have a cat. the landlord is willing to let me have her without paying for a deposit or pet rent; i just have to prove she's been spayed, which she has... twice. (long story) does anyone here have any suggestions on how to evacuate with the cat in tow? she hates riding in the car, has a carrier that has no room for a litter box or food and water, which is problematic since traffic goes crazy during evacuations, and i'm not willing to let her roam freely during the car, for her safety and mine. also, she'll try to escape. i know her. i have a four door car, and i've considered getting a couple of nets to put up between the back and the front, and over the back window, so that she can't climb up there, and i can stuff pillows or something under the seats so that she can't wiggle up, but it doesn't seem very safe for her. thanks in advance... this stuff is driving me insane.