MegaMom Interviews: How do you afford healthcare for so many people?
For this installment of the MegaMom Interviews, I’m going to post the answers that two of my lovely interviewees gave me to the same question.
This question may not be super exciting, but it’s very near and dear to my heart right now as I go to pay yet another stack of medical bills sitting on my desk in front of me. I asked:
Q: How do you afford healthcare for your family? We’re swamped with medical bills right now and we don’t even have half the number of children you do!
My husband has decent health insurance…not the greatest, but we pay one low fee for prescription drugs, which is a MAJOR God-send!
We live in a pretty small house (for the size family we have), so we are able to save some money every month, and that is what we use to pay our part of the birth expenses (and I have to have c-sections every time).
We rarely have health insurance at all, except for the two years I was working — which really shows God’s providence, as my oldest was diagnosed with bipolar during the 12 months out of ten years of marriage that we had really good insurance! I was able to get all of the testing, counseling, second opinions, etc., we needed for a very reasonable fee. We decided to try medication that retails for $185 per 30 day supply, and got it for $30 co-pay. And, I lost the health insurance three weeks after we started nutritional therapy and didn’t need it so much anymore!
My husband works construction, and is often employed by 3-5 companies a year — we rarely qualify past the 90 or 180 day waiting period for new hires. Our insurance when Baby X was born this past April was a 50% co-pay — not so good!
However, almost all insurances cover well-baby and child checkups for free or a very reasonable cost. Delta Dental and other providers also offer free dental services to uninsured kids once or twice a year, no matter what income you have. County health departments also usually offer vaccines for free or low cost (most of my kids are not vaccinated, for reasons I discuss here).
Also, when you have lots of kids you get a feel for who needs to go the doctor and what can wait; many visits for childhood illnesses are “repeats” — and if Johnny had it when he was a baby, and Mary had it when she was a baby, you pretty much know the drill without a doctor’s visit.
Though this topic isn’t as exciting as the big questions of God’s will and the blessings of many children, this sort of nuts-and-bolts information is really helpful to those of us who are just starting down this road. Thank you so much to Ouiz and Milehimama!