We're back in Georgia
and it's time to pay the piper and get a job to make some cash. We coasted back home with less than $1,000 in the bank.
We currently have a catastrophic health insurance
policy that has a $10,000 deductible which costs us $235 per month set to go up in July to $299. We found out that my wife is pregnant and of course the insurance
won't cover the pregnancy. The average healthy pregnancy costs about $15,000!
We went and saw the OBGYN and they suggested Medicaid Pregnancy. We went and applied. My wife is now fully covered for the pregnancy with any doctor that accepts the Medicaid.
But here's the interesting part.
My wife and 19 mo old child (and maybe even I) qualify for a Medicaid health
plan (there's two health
plans in Ga.) if we earn a combined income
of less than $28,800.
Frankly with the work and cruise
plan- that's not too hard to stay under. In fact, right now making more than that is tough!
The coverage is excellent and includes dental and vision! $10 co pay and includes prescription medications. The comparable health insurance
for us as a family
is about $800 per month (prenatal plus an infant and two adults) without the dental and vision or the prescription coverage.
In addition, depending on where your humility lies- there's a federal program called WIC that is for Women, Infants, and Children
. It provides a nutritional supplement for low income
Now here's the last kicker
. We qualify for food
stamps. We live on our 30 year old sailboat, which we own outright, and pay for a cell phone
and a slip fee (currently- pregnant momma still getting morning sickness). Our choice to live a simple life
Now understand, we've always worked hard and have been self employed all our lives. We have either paid through the nose for healthcare or gone without because individual health care
plans are SOOO expensive. I have never qualified and still don't for unemployment benefits. We have worked hard, harder at being self employed than if we were employed by BIG CORP to make a living with a certain amount of freedom and autonomy.
But now, this is craziness. If I earn less than $29k the government
will provide me better health insurance
than if I earned $40k per year. Because I choose to live on a sailboat and only want to work enough to pay the bills and keep cruising, the government
will not only provide us with health care
but will also give us food
I'm not an advocate for letting the fed gov paying your way, but when the dichotomy is so great between basic health needs and costs for families you can't help but try to take advantage of programs that will provide proper health care for my wife and child.
Depending on the states you legally reside in- check out the requirements for Medicaid. You might be surprised.