Someone recently asked me what I think about the new healthcare law and if we have seen any benefits from it yet. My response:
We have already seen some of the "benefits" of O.care. The insurance my hubby’s work offers changed last year to “come into compliance with the new healthcare laws”. Our premiums went up, benefits went down, and they added co-insurance and a deductible that we have to pay along with our normal co-pay. We haven't been able to go to the doc all year for anything other than normal/sick check-ups. J is suppose to see a specialist every year and this year they wanted him to see 2 but at over $350 a pop we just can’t afford it. Next year I don’t have an option- I will have to take him…not sure where we are going to get the money to pay for it though.
Previously I was very happy with our insurance. They covered most everything with us just paying co-pays…and our insurance is accepted most anywhere, so I didn’t need to worry when we traveled or if we were to move. (Unlike in previous years when his work had switched insurance companies and we had to drive 45 minutes to see an “in-network” doc). As of now, I am convinced we haven’t seen the end of the rise in our out-of-pocket expenses, including premiums.
I do like some of the regulations in the law (such as not discriminating against people with “pre-existing” conditions). But it doesn’t help if docs are afraid to officially diagnose anything because they don’t know what is going to happen with the law.
On a side note: It is that insurance “open enrollment” time of year. From the little information the company gave us, it appears the policy didn’t change this year…not good news but at least it didn’t get worse. I was hoping they would change to more of a compromise between the previous year’s insurance to this year’s- so we wouldn’t have to pay so much out of pocket. So now I have to find the over $600 to pay for J’s specialist visits this coming year.
Wednesday, November 21, 2012
Friday, November 9, 2012
Books and Bullying
So we have had issues with bullying in public school and with “friends” in the past. This hasn’t been a huge problem lately though- Thank goodness!
I came across a book this past week. I read it in 2 days- it was that good! It is The Year of Learning Dangerously by Quinn Cummings. I didn’t agree with everything she said but I love that the author was willing to admit her own shortcomings in her own education and how she felt overwhelmed at times and doubted that she was doing the best for her child by homeschooling her. This is an issue that all homeschool parents have at some point- Am I doing what is best for my child? Anyways- one of the parts that stuck out to me (so much so that I wrote it down!) was her summary on bullying. She is talking about all the questions someone (who she refers to as the interrogator) asks when they find out you homeschool. Here is the quote that I wrote down from pg 24: “‘But,’ the Interrogator might ask, ‘how will these kids learn to deal with bullies and jerks?’ As luck would have it, there are bullies at the Scout meetings, in the mall, on the playground and even at family reunions. There are jerks everywhere you look. Children who homeschool do get to negotiate with socially toxic people. What they don’t get to do is grimly endure an entire year sitting two feet from a person who makes their lives miserable on a regular and predictable basis. It’s not unreasonable to hope that by the time homeschooled children enter the world as adults, they will have acquired the self-possession required to walk away from someone who is belittling them and been spared the recurring nightmares of being trapped in the locker room with the bully.”
This is SO true! I had tried to figure a way to sum up the answer to this question, particularly since we have experienced bullying in various place and not just the public school. I absolutely love this part: “What they don’t get to do is grimly endure an entire year sitting two feet from a person who makes their lives miserable on a regular and predictable basis.” I like that particular part because bullying is one of the reasons I pulled my 2nd son out of public school. Yes he still gets bullied occasionally by “friends” but it is not a consistent thing. He isn’t coming home from everything we do crying that no one likes him, so-so was mean to him, etc. Instead of coming off the bus every other day crying and upset I now have a child who gets upset only occasionally about another child bullying him- maybe once a quarter, instead of every day. And because of the homeschooling community that we are in if he tells me about it when it happens I know I can always make it into a teaching lesson with all the kids involved…and the parents won’t be upset that I “corrected” their child! LOL
I came across a book this past week. I read it in 2 days- it was that good! It is The Year of Learning Dangerously by Quinn Cummings. I didn’t agree with everything she said but I love that the author was willing to admit her own shortcomings in her own education and how she felt overwhelmed at times and doubted that she was doing the best for her child by homeschooling her. This is an issue that all homeschool parents have at some point- Am I doing what is best for my child? Anyways- one of the parts that stuck out to me (so much so that I wrote it down!) was her summary on bullying. She is talking about all the questions someone (who she refers to as the interrogator) asks when they find out you homeschool. Here is the quote that I wrote down from pg 24: “‘But,’ the Interrogator might ask, ‘how will these kids learn to deal with bullies and jerks?’ As luck would have it, there are bullies at the Scout meetings, in the mall, on the playground and even at family reunions. There are jerks everywhere you look. Children who homeschool do get to negotiate with socially toxic people. What they don’t get to do is grimly endure an entire year sitting two feet from a person who makes their lives miserable on a regular and predictable basis. It’s not unreasonable to hope that by the time homeschooled children enter the world as adults, they will have acquired the self-possession required to walk away from someone who is belittling them and been spared the recurring nightmares of being trapped in the locker room with the bully.”
This is SO true! I had tried to figure a way to sum up the answer to this question, particularly since we have experienced bullying in various place and not just the public school. I absolutely love this part: “What they don’t get to do is grimly endure an entire year sitting two feet from a person who makes their lives miserable on a regular and predictable basis.” I like that particular part because bullying is one of the reasons I pulled my 2nd son out of public school. Yes he still gets bullied occasionally by “friends” but it is not a consistent thing. He isn’t coming home from everything we do crying that no one likes him, so-so was mean to him, etc. Instead of coming off the bus every other day crying and upset I now have a child who gets upset only occasionally about another child bullying him- maybe once a quarter, instead of every day. And because of the homeschooling community that we are in if he tells me about it when it happens I know I can always make it into a teaching lesson with all the kids involved…and the parents won’t be upset that I “corrected” their child! LOL
Thursday, November 8, 2012
Updates
We left the group I was telling you about in the last blog and found another that is very accepting. They are so nice! They keep asking us our opinion on things…and they appreciate and respect what we do say.
I have to say I HATE that my oldest is going to public school! I didn’t think it would be a big deal. But he brings nothing home…literally no homework (except spelling & vocab). All their work is done in class. I have no clue what he is learning. They don’t have textbooks that they are allowed to bring home. They do have copy papers in their binders that they bring home. They do not require assignment books. There is no communication from the teachers to the parents at all. If you have an unorganized child this is setting them up to fail. I finally went in to the school and talked to the teacher in the class he seemed to be having a problem in (low grades for him). Come to find out the reasons he wasn’t doing well was because he was rushing through his work, sloppy writing, incomplete sentences, messy pages, and talking. When she showed me his work I told her I would not have accepted it from him. I would have made him take it back and redo it. She seemed very relieved to have a parent “on her side” (meaning not blaming her) and asked if I could be the parent of a few more of her kids. :-) We worked out a solution to his disorganization problems in her class and she now knows that if she has a problem with him she can just call/email me and I will take care of it. I am happy with the results of our meeting and I actually like her.
I have to say I HATE that my oldest is going to public school! I didn’t think it would be a big deal. But he brings nothing home…literally no homework (except spelling & vocab). All their work is done in class. I have no clue what he is learning. They don’t have textbooks that they are allowed to bring home. They do have copy papers in their binders that they bring home. They do not require assignment books. There is no communication from the teachers to the parents at all. If you have an unorganized child this is setting them up to fail. I finally went in to the school and talked to the teacher in the class he seemed to be having a problem in (low grades for him). Come to find out the reasons he wasn’t doing well was because he was rushing through his work, sloppy writing, incomplete sentences, messy pages, and talking. When she showed me his work I told her I would not have accepted it from him. I would have made him take it back and redo it. She seemed very relieved to have a parent “on her side” (meaning not blaming her) and asked if I could be the parent of a few more of her kids. :-) We worked out a solution to his disorganization problems in her class and she now knows that if she has a problem with him she can just call/email me and I will take care of it. I am happy with the results of our meeting and I actually like her.
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