Going to have a mental breakdown!

[GriffsMommy]

OMG!!! I can't take this crap!!

Why is it that things start to go better for us and then everything seems like it's going to start crashing down around us!

Warning, I'm giving a lot of background here so this will be long but hopefully it will make me feel better and stop crying almost histerically.

As everybody who is on the boards on a regular basis knows that my husband Shane started a job last Monday. I had been working full time and supporting the family until my IC got so bad that I had to go out on STD. He had been a stay at home dad for about 2 1/2 years. He was very nervous about getting a job after being off so long and he has not had the best work history in the past. Anyway, Shane's friend Lou works at a wholesale flooring store and had an opening for their warehouse. Shane had done a lot of warehouse experience and he got the job with a pretty good starting hourly wage for around here. They seem to be telling him he'll get an increase after 90 days and in 9-12 months they have told him it is very likely that he can become a salesman and then will get a salary instead of hourly plus bonuses based on what he sells so his income could go up alot in the course of a year.

One of the first things I started asking Lou when I found out that Shane had the job was about the insurance. Even though I'm out on STD and currently still have insurance through my employer I wanted to know what the insurance was like at their job because my insurance is really expensive. I have a deductible which I know is more the norm now but I had never had one before this insurance. All of the copays for both dr visits and rx's are high and it's costing us a fortune. I was so excited because from what Lou was telling me the copays were much lower than what I have right now. However as I mentioned in a previous post a nurse at my pelvic pain specialists office told me to make sure there would not be an issue with my pre-exsisting conditions.

So the VP of the company came to the office today and Shane was asking him for an insurance packet so we could start reviewing everything. He found out that he gets covered and does not have to pay anything for it but there is no dependant coverage whatsoever. I am so shocked because the owner has stores all over the country so they seem to be at least a medium sized business and I'm totally shocked they don't offer benefits to other members of the employees family.

So normally this wouldn't be such a big deal, just a disapointment, I would just keep the insurance I have from my job. However I just found out on Friday that when my STD runs out after 6 months, which will be the middle of June (STD started in the middle of Dec), then I will no longer be an employee and my insurance will stop. Because the company that I work for is a TPA which means they administor benefits for our clients, our parent company is the company that issues the disability. Even if I run out of STD and am no longer an employee I will be able to switch over to the LTD if I am still not able to return to work.

My hysterectomy is scheduled for April 3rd and they are telling me my recovery could be 8 weeks due to my IC, PFD and PNE which is going to take me almost exactly to the end of my STD time. As I also have been discussing previously my pelvic pain specialist does not agree with permanant disability and will not back me up to get SSD. I did ask him however if he would fill out paperwork for LTD through work for at least some period of time if my STD runs out and I am not able to go back to work yet. He did say yes but said he would not do it permantly which I already knew.

Sorry this is so long, if you knew me you would know that I talk a million miles a minute and that's how fast my mind is going at this point.

So when hubby told me I couldn't get insurance through his job and we know my insurance will run out if I can't go back to work before the middle of June I realized I would have no insurance. He told me he was pretty sure that I would be able to get medical assistance from the state if I showed all of my medical problems and that my insurance was ending from my at that point previous employer and would not be able to get insurance through his employer. Well I still have to go to the state website and try to find sometone to call to find out if I would even be eligable for a medical card but my biggest concern was wheather Dr. E my pelvic pain specialst accepts medical assistance since I see him once a week and he is a hugh part of my treatment at this point. I got one of the nurses on the phone when I called and she said they do not accept any type of medical assitance. I started crying so hard so fast that I could barely get the words thank you and goodbye out of my mouth before I got off of the phone.

Of course I called Shane back and was a mess. He told me he would try to find another job if I want him to that might have better benefits. I told him that I don't want him to have to leave a job that he really loves and has such great potential for growth and salary increase because of my stupid health. I also pointed out with every job that I have ever interviewed for they do not give you any info about insurance until after you are hired so there would be no way to find out if he would get benefits for me and the kids if he were to go and start looking for another job.

Just so you know, I'm not a horrible mother, because we are considered low income because Shane was staying at home and we have four kids, the kids do have insurance through my job but they also have state medical insurance in addition to mine so we never have to pay copays for anything for them.

Shane tried to calm me down by letting me know that he knows our GP does take medical assistance and they can help me find a dr who can help me when I won't be able to see Dr. E anymore. It took me so long to find him and though I'm not improving much he is the first dr who really made me feel like he understood what I was going through and really cared and was upset about how much pain I was in. I know that my GP will give me the pain meds if once I can't see Dr. E anymore but I just feel so devastated.

Why do I have to have so many medical problems and this has to be such a big deal. Don't get me wrong, I would still want to have insurance even if I wasn't as messed up as I am but then it wouldn't be such a big deal about what dr's excepted medical assistance.

At least I have stopped crying but I feel like I'm having a mega hot flash, probably from all the stress.

I don't expect that anybody will have any advice for me because this is such a strange situation but I just needed to get it out and get the support that I always get here when I'm having a horrible time.

Shane did point out that hopefully we can find a local neurologist who can do the nerve blocks that I am getting done now and hopefully he is right but it is so scary to have to most likely start all over again looking for dr's to help me. Even though he wouldn't support me for SSD Dr E was still very important to me and I just can't believe that I am most likely going to have to stop seeing him in the next couple of months.

Thanks to anyone who can get through reading this extremely long post. I really appreciate it. :help::confused:

[sickofmybladder]

Christine -
I'm so sorry you are going through all of this - I'm assuming the Cobra Rate for your current insurance is too high - one thought - would it be too high just for your coverage - single rate should be much lower than family and if the kids are covered under state assistance and Shane will have insurance - really you are the only one that would need it. You can elect any level of coverage - even if you had family coverage before. This would give you 18 months of coverage - at least some more time to evaluate (or talk Dr. E into taking state assisted medical).
This just sucks.
Becky

[IC SARAH-CPP]

Okay sweetie, I am happy you have stopped crying but I know you are very stressed right now. One thing I thought of right away is to kind of jot down everything that happened today and who you talked to, what they said, etc. This can help you later as you try to deal with the situation.

One thing that helps me when I am so upset and crying like that is to take a cool washcloth and put it on my forehead and over my eyes. I get horrific headaches when i cry like that.

I would agree with Shane in that i think you should speak with your GP ASAP, like right now while you have insurance. I would also start right away speaking with the state about the medical assistance you can get for yourself. My ex MIL has medicare or whatever you get when you are considered low income and she has found some fabulous doctors and actually ends up getting better care than I do sometimes with my super expensive insurance.

I am surprised that most jobs wont tell you about benefits BEFORE they hire you? Have you guys specifically asked about people and they flat out refuse to tell you? I dont think that is even legal in CA. I hate to say this but I think that it might be worth it for Shane to find a job that covers you as a dependent. I know that you don't want to do that to him and that he does like this job but if your health spirals out of control b/c you lose your care, that could be very bad for everyone in your family.

I wish I could give you a big hug right now. I am paying out of pocket right now for my insurance too and it is costing me 800 a month and then my meds and dr visits on top of that end up being about 1200 a month. I am not working right now and blew threw my ENTIRE savings account paying for this. Last month I borrowed the money from my mom to pay it and I have to do the same this month but she said she cant do it again after this month so I don't know what I will do after this month. I am looking for a job desperately so that I at least can make this one payment next month but I am so afraid, so I know how you feel. It sucks so badly that our country is the richest country in the world, yet our citizens have to go through this with health care. I hate this disease sometimes.

Anyway, sorry I didnt mean to make it about me I just wanted you to know that i know how you feel. I will try to do some research for your state and see what i can come up with, okay? Hang in there hun. We are here for you.

Sarah

[leelee88]

Becky, Has jsut suggested what I was going to say.

You could check into Cobra .. I had to do this for 6 months and it was 350.00 a month, but it was worth it. Keeping some sort of insurance is very important, becuase if you ever let it laspe then all your conditions will become pre-exsisting and then nothing will be coevered. The kids could be covered under state through Medicaid or the Chips program if your State offers that. I am sorry you are going through this.

[hdb1982]

I have been without insurance forecer so I understand how frustrating and scary this really is. One thing I want to tell you though. Currently I have WV Medicaid through the state. The ONLY reason I got it was b/c Adams business is very slow this time of year and we lost over 40% of our income. Since he is the primary wage earner and does not have ins. I was eligble under the hardship factor. I still had to show outstanding medical bills to meet a spenddown. This will only last 6 months. Once Adams business picks up again I will be without coverage. They did tell me that they have another program where if the DHHR determines you disabled, not SS, then you can get medical coverage. It is a long drawn out process with hearings and medical evals but so worth it when you have a ton of specialist visits and rx's. Def. call someone at your DHHR office immediately. Tell them you are the primary earner for your household and you will be loosing your coverage. Get info from them of all programs you are eligible and start the ball rolling. More than likely you will not be able to actually apply until you are without coverage. Aslo, call around to local hospitals and see if they have any charity care programs available. When I am without my medical card I go to WVUH and have their Access program. It covers 100% of all charges incured at WVUH, luckily my pcp and uro are both there. It covers ER, office visits, lab, xray, ct scans etc. Anything at their hospital. It still doesn't help with rx but maybe you have a Health Right type place there where you live to help with rx's, the one here doesn't cover pain meds or xaxax, things like that. I hope this helps and please take a deep breath and slow down. Get a notebook just for things regarding this. Write down the date time and name of who you spoke with for EVERY single phone call. Even if you leave a message, it really comes in handy to look back on. I hope this helps some.

[ICNDonna]

Definitely check into COBRA --- that will cover you for a time. Then check with your local insurance commissioner about extending your coverage. I know when I ran out of Cobra, I was able to purchase a continuation policy. Don't take the word of your employer; check it out.

Donna

[GriffsMommy]

Thank you to everyone for the support and the suggestions. I will check into cobra but I remember from when I was laid off from my previous job that I couldn't change the coverage and had to cover everyone that was covered when I was working on the cobra. I currently have all of us covered on the insurance through work and there is no way that I could afford the cobra for everyone. I remember the cobra was super expensive for my last job and I was only covering Griffin and myself at that time and the insurance there was much less expensive than it is at my current job.

When I went to go pick up my MIL the nurse that I talked to from my specialists office called me back and left me a message. She asked if I could come in 15 minutes early to my appointment tomorrow morning so we can talk about my situation. She said that we can work something out. I believe that what she is talking about is me being a self payer and working out payment plans. I'll be sure to talk to them about it but I doubt with how much he charges and how expensive the nerve blocks that I get once a week that I can afford it.

Sarah, it is so sweet of you to try to do some research for me but you have a full plate of your own. I will look at our state website and find out who I need to call to start asking questions and things. I can tell that I'm going to get a headache from crying cause that always happens. I actually just took some ibuprofen (doesn't bother my bladder) and I'll probably go lay down before I have to go pick up Shane from work at 5.

On a good note, totally unrelated my MIL just got cleared by her PT to drive again so that takes a lot of stress off of me because I don't have to take her to her appointments anymore. I'll still probably have to take Shane to and from work but that's alot easier than doing that and running her to all of her appointments.

[dyno]

Yes, check out Cobra. I have been without insurance now for 2 years. I just simply can't afford it. I just keep hoping that something will happen in this country to get this insurance mess fixed.

Keep looking for answers while you have some insurance in place. As others have stated when it lapses then it is pre- existing.

[gottapottie]

WOW Bless your heart. What a situation. We have been through a similar situation in the last year with insurance. It has been such a very expensive mess. We pay $800 a month for insurance, and then meds on top of that totalling almost $400, sometimes more depending on the month. And the icing on the cake is that because of my medical stuff, they have a rider on me for $5,000 a year! I also just recently lost my doctor that I had been with for so many years.......so I had a big cry fest one day thinking "the insurance company doesnt want me, I dont have a doctor, ....what am I gonna do???" anyway, guess my big crying jag made me feel better. One thing I did do, is find an independent insurance agent who is really caring and has helped me alot. Sending hugs ur way......I can relate.

[Tuckersmom]

Christine, I'm so sorry for all of these stressful situations you are facing with your health and insurance. I don't have any advice to offer, but I wanted you to know that I care, and that I hope you are able to find a way to work out all of these issues.

(((Hugs)))

[sickofmybladder]

Christine -

I think the difference is between state continuation and Cobra - (I do HR at my work) - I believe with some state continuation plans you can not change your level of coverage (how many family members you were claiming) but with Cobra you absolutely can (Federal Law) - please check it out at least - for example - my daughter aged out of my plan (she is not a full-time student) - but she was eligible for Cobra for 36 months (the time period is extended beyond the 18 months due to aging out or divorce) - I pay $383.00 per month for her Cobra - which is certainly cheaper than her having no insurance - like you I was absolutely terrified of her having a lapse in coverage and catching a pre-existing clause (bipolar, kidney stones, I.C. anxiety issues etc.) - now - if you are on Cobra - and while you are on Cobra you qualify for SSDI - there is a way to have the Cobra extended past the 18 months to make it until you qualify for government health benefits (2 years I believe from time of being declared disabled) -
If your current employer has over 25 employees in the last benefit year - then they follow under Cobra (even if they are self-insured - TPA).
PM me or let me know if you have any questions - I can get some information for you if you like.
Becky

[Claredale]

About Cobra, from what I understand, if the rest of your family has coverage, you don't have to carry them over to your cobra policy once you show that they have coverage. I hope you find the answers and can get this passed you and focus on healing!

Hugs, T83

[IC SARAH-CPP]

Christine,

I just looked up the Cobra on the internet and you ARE able to just cover yourself! It is terribly expensive but maybe you can swing it, or borrow from your parents, just for a few months until you guys can work out something else. I would start looking in to everything else for sure but maybe the Cobra can carry you for a few months after your surgery so you don't have to have the rug and the meds pulled out from under you.

The other idea I had is that if you absolutely do lose your insurance, I know you are on Oxycontin, which is horribly expensive, so I was thinking maybe you could get on Methadone? Maybe your GP would prescribe it to you and it is literally pennies for each pill. That might be just one idea to keep you on pain meds at least.

Please do try the washcloth idea. I get awful awful headaches when I cry really hard and the cold washcloth laid over my eyes does help. I am so worried about you hun! I am here ANYTIME you need to talk. I need to run out for awhile but I will check back in right away when I come home. Hang in there.

Sarah

[Sally939]

You know, I think that maybe why your doctor does not believe in longterm disability. I think that most people are on disability are also on state assisted insurance. I would think this has happened to other patients he has had. I bet he could recommend a doctor to help you if it comes to that point. I am sorry you are dealing with all of this.

[mlzippy7]

Christine,
I am so sorry you are going through all this. All I can say is I do understand.
I had a great job and insurance and I got too sick I went on STD and my company gives you 13 weeks and then you are no longer on payroll. I put in 10 years for this company and they sent me a letter in the mail stating I was no longer employed. I fought for 10 months for long term disability and during this time I had no income, nothing. I begged and pleaded with the HR department that I really want to come back to work and they said that is the rules and that was that. I had to take COBRA which I have but don't know how long I will be able to afford it. I have no clue what in the world I am going to do.
It is so hard when you are sick and then have to fight all this insurance mess as well.
GOOD LUCK TO YOU!!

[GriffsMommy]

Thank you to you all. I am going to do a lot of research because I still have time before I would lose the insurance through my job to figure out what we are going to do.

Sarah,
In the PM I sent you I had to explain what you probably missed when you weren't around for awhile when I had a horrible time with my parents, mostly my father. They were helping me with money and they had offered I had not asked but it became this thing that my father was very mean and berating to me during every conversation we had. I was more upset about what was going on with him than the fact that we wouldn't have enough money if it wasn't for them. The stress for me of dealing with my father was making my flares sooo much worse that I did get some help from a friend and then told them that I didn't need there help anymore. I pretty much told my husband that I would go to every person we know on his side of the family for help before I woud ever go back to my parents for help again. My father has always been very mentally abussive to me and I just can't go through that again. He actually called my son the name for a donkey during Chrstmas Eve while I wasn't in the room and I don't even know if my husband will ever let him in the house again. But I guess I don't have to worry about that for awhile since I don't want them to come before my surgery and since my mother does't want to come and help me when I get out of the hospital then I doubt I'm going to want to see her during my whole recovery time since I'm still pretty upset about that.

I just have to say that it is so upsetting to me that there are so many of us that are so sick and have to deal with this crap. What is wrong with the world when we are all so sick and can't work anymore and then have to pay a fortune for cobra and can't afford to pay our other bills. I don't know if socialized medicine is the answer or not as I am not really as into politics as I should be but lord there has got to be a better way. It just makes me want to cry again not just for myself but for all of us who can't work anymore from all of our horrible illnesses but due to not being able to work can't afford all of our medical expenses including our mega expensive cobra and be able to afford to live. It just isn't right and I know life isn't fair but this really isn't fair and it just makes me really angry!

I thank you all again for all your support and I am so sorry for everyone else who is in a similiar situation and I wasn't even aware of it prior to this. :grouphug:

[FENNSM]

Christine,
I don't have any advice. I wish I did but I just wanted to tell you how sorry I am you are going through this. It seems like things just keep going wrong for you and I'm sorry for that. I pray that everything will get better and soon.

Mare

[Sally939]

IC has deffinately made me think differenty about socialized medicine. Over all I still think there are some major problems with it but would love to see a perscription plan put into place. Elmiron alone is $400. You know you should get the wheels turning on the social security. With SS you get medicare.

[kuntrygurl78]

I was gone all day today and I missed this! I dont have any advice. I just want to reach across Indiana and Ohio and give you a big hug. Then I want to just sit there so you can cry on my shoulder. Im here for ya babe!:angel:

[GriffsMommy]

Kim that is so sweet, thank you so much, you are a really good friend and I really appreciate that.:smile tee

[Berkshire Road]

OMG, Christine, you need a Fairy Godmother. It just keeps on coming.

About COBRA, if you can change your coverage (which is different from continuing a child who ages out), that must be a recent and very significant change in the law. I have actually read the entire d*mn Consolidated Omnibus Budget Reconciliation Act (not by choice), of which the insurance continuation is a very small part, but the rule has always been that if you were carrying family coverage you have to continue to carry family coverage. If it's changed now, good. Your HR or benefits office will be able to tell you definitively, so there's no real point in wondering or debating about the point. Healthcare coverage in this country is so messed up. I think that is the cheapest thing I've ever heard of, not offering dependent coverage.

Maybe Dr. E's office will work with the medical assistance. He has one newer nurse who told me over the phone that they don't ship instillation kits (they've been doing that for over a year and three days after the call, guess what arrived), and who told me in person that September of '07 was more than a year ago (?). Maybe you want to talk it over with someone senior before you give up.

I know it seems like an eternity, but you need to find someone to support your SSD application, so that two years after you go on SSD, you can get medicare. Then that's one problem solved. Between now and then, sorry, I don't know anything much about this. I wish I could adopt you.:)

Cry as much as you need to. You can't keep it all inside. But then when you're done, you'll do what you always do and always have done: you'll find a way to manage.

I wish you good fortune and better days -- just tack those on to the everyday wishes in my signature.

[lisabar36]

Christine, I sent you a PM, I am on cobra, I pay 385 a month. Cobra's range in price. The CHIP program is great for kids and now I think all kids qualify, and even if you have health coverage but its to expensive, you can still apply. They cover everything for kids, no deductibles. I did some research as far as docs and the state insurance, I found quite a few specialists that take it but I know your concern is you want to stay with DR E. So maybe the cobra would be the way to go if its not to expensive for you. I will help you in any way I can. :) Lisa

[IC SARAH-CPP]

Maybe I misread the web site, I thought that it said you could continue to just cover yourself but if you have read the whole thing you are probably right! That is so unfair, why would they do that? They must know people are usually broke if they lost their job but I guess they don't think about that do they?

I don't know about socialized medicine either, I have heard horror stories about things in Sweden, where my stepdad is from, and other countries that have it but then I hear horror stories here too. What I don't get is how people that are working or have worked their whole lives can't get coverage to save their lives! If you work somewhere that doesn't offer health benefits you are pretty much out of luck. My stepdad would say well get a job that offers benefits but it isn't that simple! Someone has to work those jobs that don't offer benefits and there aren't enough jobs to go around that offer coverage.

I wish I knew what to tell you Christine. I am struggling so much with the same things. I can't even sleep at night b/c I am so stressed over it. Every day the pressure to get a job and to bring home money just sits on my chest like a weight. I feel so bad for my mom having to pay so much to help me out. I am dreading asking her for the money again this month but I have to do it soon b/c I have to pay it in 8 days! :( I started getting severe panic attacks over this so I know how stressful it is. I guess many of us here are dealing with this.

I would start looking in to the social security thing with another doctor. Would your GP be willing to help you apply for long term disability? I had one doctor tell me that they wouldn't help me then another one tell me she thought I should get on it for sure!

Hang in there!
Sarah

[GriffsMommy]

Thank you everyone. Yes it is very sad and it makes me very upset but Carolyn is right, I always get back up and keep on going and figure it out. I'm so ****** though because the woman from the HR dept called me back today about the Cobra but I had turned down the volume on the ringer. It was still on just on low, usually I wake up pretty easy but I guess I needed this nap really bad and didn't even hear it. It ****** me off cause I was home and if I would have heard the phone I could have gotten the cobra questions answered. Now we'll start the phone tag process trying to get each other on the phone. I don't have to do anything until later in the afternoon when there is an IEP meeting for one of the kids so hopefully if I call her a couple of times I'll actually get her while she is available.
I'll figure it out one way or another but it does suck. I'm so sorry that you're going through so much as well Sarah. Please try to relax and get some rest. Our bodies are so sick that they need all the rest we can get and not getting any sleep is only going to stress your body, cause flares and make you more stressed over all. If you need to talk I'm here.

[snowgirl]

Christine, I sent you a PM, I am on cobra, I pay 385 a month. Cobra's range in price. The CHIP program is great for kids and now I think all kids qualify, and even if you have health coverage but its to expensive, you can still apply. They cover everything for kids, no deductibles. I did some research as far as docs and the state insurance, I found quite a few specialists that take it but I know your concern is you want to stay with DR E. So maybe the cobra would be the way to go if its not to expensive for you. I will help you in any way I can. :) Lisa

Lisa and I talked about this before. Cobra varies in price. Mine is 700 a month. So at age 46 on disability paying Cobra I had to move home with my parents. My SS check it seem like it all goes to medical , cobra, md co-pay,
prescriptions. It is depressing especially on a fixed SS income. It rough there is no doubt about it. I don't know how but every American should have medical insurance everyone. VIcky

[traceann]

I just had a thought, since your hubby's work pays for his benefits - do they offer something extra for families that he could pay for? Like his coverage is "free" but for so much out of his check every week or month or whatever, he could cover his dependants??

When I worked for a really small company a few years ago, we had offered health insurance through a group plan thing, but we were too small to pay for it for our employess, but if they wanted it they got the "group" rates, and we deducted it weekly from their pay, and if they wanted family coverage, it cost them more, but still at the discounted "group" rate.

I don't know if he can do that or not, but it just popped into my head so figured I'd throw it out there. I know how stressful the whole health insurance game can be!!!!

Hugs,
Tracey

[GriffsMommy]

Thanks Tracey,
I'm not sure. The VP of the company is sending him down a packet with the insurance info. Since he doesn't get insurance for 6 months if I go on LTD and lose my benefits then I would have to pay for Cobra or find something for the about 3 months from the time that mine would end and his would start. Shane is hoping that he misunderstood the guy and his is free and the company will pay a portion for his dependants and then he will have to pay the rest. I am really hoping this is the case but I guess we have to wait for him to get the packet and go from there.
I slept through the phone call from the woman from HR yesterday so I've been trying to get her on the phone this morning to check into cobra rates and if I can choose to be the only one covered.
I'll keep everybody posted when I know more.

[IC SARAH-CPP]

I would think that is what it is Christine. This would be the first time I had ever heard of a company just not letting dependents on a plan at all. I know that at my work we had to pay for our dependents but at least they could be covered on our plan. I bet you can't wait to get that insurance packet!

Hopefully you can swing the Cobra if it is just for 3 months, I know to do it indefinately would be very difficult. This whole thing just sucks! I wish I was like my other girlfriends who want health insurance but if they don't have it it isn't a huge deal. But not us, our whole world falls apart if we don't have health coverage.

sarah

[traceann]

I swear that has got to be one of the most frustrating things to wait for - the information packet! I still have not ever received one from hubby's insurance. I call the carrier, they tell me to call the HR dept of his company. Fine, I call the company, and they tell me to call the carrier!!! It's been almost 3 years now!!

Granted, they have been really good, but trying to get info is the worst, so much red tape, blah blah blah. There was a mix up when we got married, a girl in the local office he worked at said I wasn't covered until July 1 when they do the "enrollment" so, I put off my very-much-needed-colonoscopy-before-I-weighed-2-pounds 2 weeks to make that July date - then I called the HR dept for something regarding the insurance and she told me "oh no, you were covered from the moment you said 'I do'" ARGH!!!!!!!!! I suffered 2 extra weeks because of that - just trying to get information on what's covered and when and yadda yadda yadda. It still makes me angry thinking about it.

So I totally get the "waiting" thing, I'll be thinking of you and do keep us posted, k???

Hugs,
Tracey