Taking the Scenic Route

Car, Insurance, Travel

29th May 2008

Car, Insurance, Travel

Good News!
For the first few weeks of his new job, Zach will have use of the company car.  That way we have time to get together some money for a second car for the family.  He has a small amount of retirement money that he will be able to access from the state job (they take money out of your check whether you want to or not for retirement, and since it is tied to the stock market, we are losing money every month at this point anyway, and it isn’t a large sum to begin with).  Now that his last day has passed, we can either roll it into an IRA or take the money out.  Considering we could replenish the amount in just a few months, and we need a car now, we are going to get a used car with it.  (we get cars that are too old to get bank loans for).

The insurance drama
They changed the policy of how insurance is done at the school, so we won’t have insurance for the next two months.  That really stinks.  As it turns out, however, it wouldn’t matter for the therapies because our last therapy with the OT bounced because they only cover 30 sessions a year in combined ST and OT.  So, it wouldn’t have been covered anyway.  That means we can’t afford OT over the summer until the new insurance kicks in in August.  If we have anything catastrophic happen in those 60 days, we can pay $2000 to Cobra and it will backdate to cover it.  It is expensive, but at least it is something.  It does mean I will have to cancel some dr. appointments for the summer, but I can reschedule them for fall when the new insurance kicks in.

I have a call in to the private place he gets ST to see if they will still cover us with financial aid or not.  I also signed him up for a social skills camp taking place there for a week this summer, so that hangs in the balance too.  The other place doesn’t take insurance, so it doesn’t affect there.  (we are on financial aid there too)

eta:  I talked to the insurance person at the private ST, and she thinks that we are fine…loss of insurance shouldn’t affect the financial aid contract.  She did tell me to call the HR person at his new job and make sure we are still in the window for pre-existing condition covereage.  We probably are, but if we aren’t, we will need to dig up the money to pay Cobra so there isn’t too long of a window.   Between Zane and me, not covering pre-existing would be a serious, serious problem.  I haven’t had any symptoms of Endo in a long, long time, but it is still pre-existing and might affect my ability to get a hysterectomy without a lot of hoops.  (when I am done having kids, the sucker is coming out…I pay a heavy and painful price to maintain fertility, and if I was sure we were done, it would already be gone)

Prospective international travelers
We have to get passports (at least Zach does) because his company wants to send him to Germany this summer sometime.  Hopefully after Aug. 1st so we don’t have to travel without insurance.  Hopefully a little later too so that we can afford for me, and possibly Zane, to go with him.  There is no way I am traveling with a two year old that will get nothing out of the trip but make everything ten times more difficult.  If there is nobody to watch her, I would rather stay home than travel with her, even though it would be disappointing.

Plus, she isn’t vaxed yet, and I am not speeding up vaxes for that.  We might get a tetanus this summer, but we want to wait until 3 and the blood-brain barrier is closed before getting the majority of the vaxes.  (it closes sometime during this year).  Zach and I will probably need boosters, but we think Zane has everything he would need to travel, unless they require the Chicken Pox one.  I will have to double check, but I think that since we got the MMR very late (he was almost 5) we don’t need any more of those.  I also hope it is later in the summer because it will give him (and me) time to learn some German before we go.  We are thinking of getting Rosetta Stone, but the prices are eye popping.  Less than classes, but still expensive.


This entry was posted on Thursday, May 29th, 2008 at 6:44 PM and is filed under Autistic Life, Money, OT/Sensory, ST, Stress, The Kids, Travel. Both comments and pings are currently closed.

There are currently 6 responses to “Car, Insurance, Travel”

  1. 1 On May 29th, 2008, Anonymous said:

    How exciting! Just a thought on the Rosetta Stone stuff – are you part of a hs’ing group or anything? Ask around or post a wanted on craigslist or something… Someone may just want to clear out their basement of unused stuff. And around here, the hs’ers have a tendency to sell/trade/give away stuff they’re done with. :)

  2. 2 On May 29th, 2008, Anonymous said:

    My hubby lived in Germany for 8 years growing up.  He graduated from high school there.  His dad was in the army and was stationed there.  He has always wanted us to go there. He said it is a beautiful place.  That is very exciting news for your family.

  3. 3 On May 30th, 2008, Anonymous said:

    That’s exciting, I’ve always wanted to see Germany too! I’m sorry about the insurance.

  4. 4 On June 2nd, 2008, Anonymous said:

    I haven’t tried this myself, but several of the families in my homeschool group are using http://www.livemocha.com to learn languages. It’s free, at least for now.

  5. 5 On June 11th, 2008, Anonymous said:

    How exciting about Germany! I’ll keep my fingers crossed for you!

  6. 6 On June 18th, 2008, Anonymous said:

    You can get Rosetta stone for free through the Kansas City Public library. (online) You sign up online for a library card and then once they mail it, you get access to every Rosetta Stone language and it is all through the computer. Super easy and totally free.

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