The Insurance Dilemma

In January 2009, Rick's company was bought out and we had to make a change in our insurance plan. The cut off date for dependents under the new plan was 23 years old. Because Aaron was 23 and did not have a full-time job, we started the search for a private insurance policy. I can remember sitting in front of the computer screen with Aaron and reviewing various plans, deductibles, out of pocket expenses, etc. Only God knew what a huge decision this was. We discussed catastrophic plans with high deductibles and low premiums and decided that the deductible and out of pocket expenses needed to be reasonable even if it meant paying a higher premium. I am praising God constantly for that decision. I am confident that it's a number that Aaron will be able to budget for when he is able to work full time. And it is a policy that he can carry with him for a lifetime.

In December, Rick was laid off. We had been anticipating this ever since the buyout. We will be losing the group insurance and going on COBRA. If Aaron had still been on our plan, that would have been followed by looking for private insurance with a pre-existing condition. It would have been impossible. So as hard as it is to deal with unemployment in this economy, we are again praising God for orchestrating these events. His timing was perfect. He has provided in a way that we could not have imagined and it gives us confidence that He will continue to go before us.