Insurance Hell

Because The Wife is 5 weeks pregnant we REALLY NEED insurance. Since I was laid off I am eligible for COBRA, but it's like $800 a month. Well, my income right now is under $300 a month right now. The Wife makes decent money, but if we do the COBRA then we can't pay the mortgage. I tried to go on line and find insurance that way and MAN is that a mess.

There is a thing called maternity insurance and I thought awesome, we can get cheaper better insurance. Then I read the fine print, it's only if you think you might become pregnant and if you are preggos... then your out of luck.

I kept searching and found people that will insure pregnant women... oh wait... no they won't. I just got off the phone with a guy who tired to convince me to NOT get his insurance. I explained to him that I don't want to pay the $800 dollars a month, I'd rather pay his $400. He didn't care, he kept talking about how much cheaper it will be with my current COBRA plan.

I tried to get the guy to say that they only want my money, but obviously that did not happen. I'm going to try and see if I can get Cobra just for The Wife and I go without. It's not a great plan, but it would save $500. I don't think it will work, but at least I can give it the ol' college try