- 6 years ago
- Wedding: June 2017
My Fiance and I are getting married in June. We, of course, had been researching what we needed to do to get me on his health insurance, especially because I’m a diabetic. Currently I have Medicaid because I take life-saving medication (for the diabetes obviously). The program for which I qualify (not regular medical assistance) stipulates that I have to work to have it and that I pay a premium that is income based. I am currently working teaching part-time at a community college, but I receive no benefits. I’m lucky to have the job I do have considering Governor Corbett and his stupid education policies in PA at the moment. I am searching for other, more permanent opportunities that offer benefits.
From what I gather from the information on my program, once I get married, my spouce’s income comes into play, which puts me above the line for recieving the program (aka – I lose it). I am freaking out because I really don’t think we can afford me being on his insurance and losing mine. This is why…
It will cost us at least $100 of his pay a month just to add me on the insurance. The medication I take is an injectible medication called Byetta (it is not insulin – I’m a Type II and doing my best to control through diet and exercise). Right now, that medication is free to me. However, it will cost us close to $1000 a year for the medication. I don’t even want to know what my test strips will cost. Then I attend weekly therapy for anxiety/panic attack issues. That will go from no cost to me to $80 a month if I went every week. And I go to weight watchers at $40 a month, which I feel like I will need to cut out to save money because it’s not technically a “necessity.” Then on top of all this, my school loans (to the tune of $50,000, come due a month or two before our wedding).
I love my fiance more than anything, but I am seriously considering just remaining engaged for the following reasons: mainly, not losing my health insurance. I feel like I’ve been able to actually be healthy and lose weight for the first time in my life. My blood work has been fantastic, my cholesterol is down, my weight is down, and due to therapy I have less panic attacks and feel more in control of my emotional life. I tried other diabetes medications (metformin, glucofage, etc.) and my body did not handle these well (read – I spend a year of my life in the bathroom because of the gastrointestinal side effects). This is the only one that worked. I feel like I’m either going to have to stop taking medication for my diabetes, or I’m going to have to find something and suffer through the side effects. I feel like I’m going to have to cut down on therapy to once or twice a month or none at all. The though of that make me panic. I’m doing well, but I feel like I’m going to stop doing well and regress if I stop right now. I just feel like I’m going to turn into this unhealthy blob because we won’t be able to afford to keep me healthy.
It breaks my heart to even consider not marrying him, but I’m afraid of the unhealthy blob I’ll become if I lose my insurance. We already live pretty frugilly (is that a word). We don’t have cable, the eating out we do consists of subway mainly. I guess I could cut out my gym membership at 30 a month, but I do actually use it to swim a couple times a week for exercise.
I need some support, Bees, because I don’t know what to do.