Cardiac Rehab

Today I am starting cardiac rehab. It has been three weeks since my heart attack.

I will be doing rehab 3 x a week for 10 – 12 weeks. I set my appointments for early since I get up early anyway and that way I can still take mother in law to the church 2 x a week.

Rehab will not cost me any copays so that is a good thing.

Ever since I have been home from the hospital Jack and I walk for 30 minutes outdoors around 7:00 a.m. By the time I do that I am pooped out. I take a daily nap which I never did before the heart attack.

I see the cardiologist this week and will find out what testing is going to be done to evaluate my heart function. I have met my deductible on my health insurance as well as the maximum out of pocket so I want the best testing available.

Last week we ate salmon patties and tuna casserole to get in our two fish meals a week. I am sure fish will get old to me I would rather eat chicken.

Texas cold blast and our insurance

I realize a lot of people have had issues with their insurance since the Texas Cold Blast issue. I am so sorry this has happened to so many people.

We have been very blessed with a really good insurance company and great agents.

Everything has been done virtually via video calls, pics taken by me, and phone calls. They even have a site to upload your images to.

Document everything the water touched when the pipes broke and if the ceiling caved in you are supposed to report it all.

We ended up with 3 leaks involving the kitchen, dining, and washroom. The leaks have been fixed the pipe has been replaced with PEX all the faucets had to be replaced and this has all been done. We had one sheetrock cave in the kitchen/ dining room this was a large hole that involved dropping nasty waster, insulation, and debris on our countertops, wood laminate floor, and kitchen table. Our cabinets in the washroom were dripping water and the water was dripping onto the floor, hot water heater, and freezer.

We are waiting on the sheetrock to be done but we did buy supplies when we found them just in case the shortage lasted for awhile. The hole has been temporarily covered up. We were able to find what PEX supplies we did not have online on Amazon.

We are supposed to have a check issued to us on Friday for our damages via direct deposit. I am very grateful for our insurance company and the people working for them.

There are still really good companies out there and if your lucky you have one of the good ones.

Affordable care act

The affordable care act is honestly the biggest joke there has ever been for insurance.

I do not qualify for medicare because I am to young I know I am not the only one stuck in this gap for health insurance.

The paperwork on ACA will let you know if you qualify for $400 – $800.00 a month in assistance for health insurance.

First of all has anyone ever paid $800 a month for insurance?

That’s not your part this is the part the government will pay towards your part. You will have to pay another $250.00 – $300.00 depending on the coverage you pick and if you want to use this discount you can ONLY pick a silver plan which are more expensive.

The plan I am currently looking at will cost us $275.00 a month.

Your insurance could be costing $1050.00 a month with your part and the governments part. REALLY!

Think about it long and hard before you retire from your job with good health insurance.

This year I was forced to do cash pay for a lot of my testing and even doing that it was less than one months insurance premium under the ACA.

Work related insurance can not discriminate against you for preexisting conditions. ACA plans can not hold preexisting conditions against you.

All private insurance can and will not pay for preexisting conditions but I bet its cheaper monthly than ACA plans.

This is not something people 60 and over should have to worry about. Maybe we need to lower the age of Medicare to 60.

Someone find a solution to our healthcare crisis and do not let them discriminate about pre-existing conditions. Most people take a medication for something.

Navigating Health Insurance

Has anyone been through the nightmare of having to find insurance on your own and you are not eligible for medicare yet?

My husband is retiring in 7 weeks and I have to find my insurance. His will be easy enough but I am younger than he is.

The first time I checked on this early last year I made the MISTAKE of giving the online form my phone number. I kid you not by the time I pushed enter my phone started ringing and I was getting 40 – 50 calls a day.

Now all those calls are blocked one by one I got rid of them.

I have a friend who suggested Humana insurance. Does anyone else have any suggestions?

What I would like is low monthly payments low deductable and prescription care coverage.

Please no Salespeople!

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