insurance | The Megalomaniac Mommy

This week has not been a good one.
I’m pretty sure when 2012 comes to a close it will definitely be a contender for one of the worst weeks of the year.
Tuesday afternoon, Zack called from school because his hip was really hurting him and he wanted to come home and take some pain killers. He doesn’t take them at school because they have a tendency to knock him out cold.
Since Ellie was sleeping and Alexander was in the middle of eating his lunch, I woke up the Alex and asked if he could run and fetch the boy.

(**Now, a lot of people (points big fat finger and judgmental in-laws) think that it was wrong for me to wake up Alex to go get Zack and asked why I didn’t just take the little kids and go get him. Picking up Zack would have meant I had to wake up Ellie from a MUCH NEEDED nap and load her into her car seat. Get Alexander out of his costume, interrupt his lunch, get him dressed and load him into his car seat. Load both littles into the car and head up to the school. Unload the littles and lug them into school to sign Zack out and assist him with the zero free hands I have and get him and his wheel chair out to the van, get the littles back into the van and then help Zack into the van and load up his wheelchair and return to the house. Unload both the littles and help Zack into the house. Blah. blah. blah. So yeah. Easier to wake up Alex and ask him to go.**)

Alex went to get the boy from school.
15 minutes after he left I got a call from Zack.
They had been in an accident when they were leaving the school.

Thankfully no one was hurt.

Alex hit another van and was cited for inattentive driving.

This is the damage to the van he hit.

All he did to the other van (a 1994 Plymouth Voyager on its last legs according to the owner) was pop the tire and put a huge dent in the rim.

This is my van.

Our van has almost $4000 of damage and is in the shop getting fixed and is expected to be done by the 22nd.
Right now, our family of 6 is using a 2012 Ford Focus. So yeah, we can’t all go somewhere at once. It sucks.
It.Really.Sucks.

We are hoping they can upgrade us to something a little bigger tomorrow but it will just be a full size sedan instead of a compact.

It is the 22nd yet???
I never thought I would miss my minivan so much!!

Don’t push your South Carolina insurance to the back of your mind: it’s always relevant, even if you don’t want to think about it right now. So whenever any type of change occurs, be sure to dust off that policy and check that it still meets your needs.

Health insurance can be very complex, and you naturally want the best value and quality for your hard-earned dollar. But how can you know if the plan you are considering is a good one?

For starters, you need to look at more than cost. Other considerations include what is covered or excluded, annual limits, likely out-of-pocket expenses such as deductibles and co-payments, and whether you are still covered if you choose your own doctor.

With regards to quality, the National Committee for Quality Assurance (NCQA) annually ranks health insurance plans according to three different criteria – Consumer Satisfaction, Prevention, and Treatment. These three categories are then broken down into a number of areas which measure the ease of accessing health care, satisfaction with the treating physician, and treatments for major conditions such as asthma and heart disease. In 2010-11, there were 300 plans assessed, and of these, 227 received accreditation. Details can be accessed from the NCQA website’s homepage.

You can also check with the Health Insurance Department for information about your intended health insurance plan, such as drop-out rates by consumers. And don’t forget to ask your doctor and other people you know for their opinion – most people have a health insurance story to tell!

It pays to be well-informed when choosing a health insurance policy.

The Megalomaniac Mommy

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