Posts Tagged ‘Hearing test’

The trouble with insurance…

I’ve always been a very private person. I don’t know if it’s because of being late-deafened or if it’s just who I am, but it’s always been really easy for me to keep any and all matters of the heart very close to my chest.

I’ve had difficulties deciding if I should post this blog, simply because I feel it’s a private matter. But if I’m going to be honest about this journey I’m on with my deafness (and now hearing with a cochlear implant), then I know I should shove this out in the open. I certainly don’t post this for myself, but because I want any struggling deaf or cochlear candidate who reads this to know that I struggle right along with you. You’re not alone. We’re all pushing through life best we can, and it’s so so important that we keep a positive outlook and believe God for the best.

I know, I know, you probably wonder what kind of struggles can I possibly have now that I’m no longer facing deafness but hearing with my cochlear implant. I’m right there with ya. I thought my world would be nearly perfect after my activation, but apparently this world just isn’t perfect. Who knew?

This week I decided that it’s time to stop dragging my feet and to send my oldest child, my son now 5 years old, to get his hearing checked. Because my late-deafness can be hereditary (although I do pray constantly my kids didn’t get it and won’t ever), I want to be a well-informed parent and send him yearly for a hearing check-up now that he’s reached school age. Some schools do give basic tests, but I’d much rather send my son to someone who knows my medical history, my audiologist.

Before spending a bundle on a specialist, I have sought out medical insurance for both my kids.

I don’t work at the moment. My college degree is for a field that requires customer service, and because I’m not confidant in making phone calls and have to say so in job interviews, I have yet to be hired in my line of work. I was once employed by a company years ago, but when I stopped being able to hear over the phone (or to talk on a radio to guys on a construction site), I lost my job. Yeah I know that lawsuits are an option, but I’m not one to use that route.

After losing my job years ago, it was after that that I looked into the cochlear implant. I couldn’t get insurance through my husbands work, so I tried purchasing medical insurance privately, only to be denied by company after company because I was already a candidate for cochlear. And no one wanted to pay for that. I eventually found a government program to sponsor my cochlear implant surgery, which I’m ever grateful for, and sometime after I was approved to have insurance through Medicare.

How does that affect my kids?

This week I called the Social Security Administration, who funds my disability Medicare, and asked how to get my children insurance. I was told that while they can’t get Medicare, I could apply to get them Children’s Medicaid or CHIP, both government programs geared toward children. I applied to both programs, but it turns out that my husband makes just slightly over the income limit. CHIP recommended that I call the Social Security Administration to find out where to get insurance.

Obviously that brought me full circle.

I got a bright idea, remembering that neither of my children have any medical conditions. Being that, why would they not qualify for me to purchase private insurance? I looked around online, not finding a private company that listed quotes for only the children. The companies wanted me or my husband on the plan too. Since my husband’s work pays for his insurance, and I have Medicare, that didn’t really work for us. So I randomly picked a private company to call and see if they did have plans for children only, it just might not be on their website.

When I called the insurance company, they told me they didn’t service Texas, but gave me the number to the Texas Department of Insurance. When I talked to the lady at the Department of Insurance, it was there that I got the answer I sought. Apparently in Texas, private insurance companies cannot sell insurance to children only. A guardian or parent must be on the plan as well.

Basically it boils down to that at the moment I haven’t found a way to buy insurance or use a government program to get them insurance either. What does that mean? I have no idea!

I can’t say that I have thought much about the long term with this issue. I’m not going to worry, because I know that inevitably everything can work out the same way it all worked out when I had so much trouble getting my own insurance. Worrying isn’t going to help me out any. What I can do for today is call my audiologist and see if they can give me some sort of discounted price to check my son. If they want to charge me the full couple hundred that I know it can be, then I know there is an audiologist in my metroplex that does non-profit work for children, and he might help me out.

So there’s my dilemma, laid out before this blogosphere. I think everyone knows our government isn’t perfect, so there’s no need for a big long rant. I rather just remind us all that it’s so important that we not only pray for our nation and it’s leaders, but to do more and to educate ourselves about our government and do what we can to vote the best leaders in place and voice our opinions on changes we need made.

Ending on a positive note, I will say that I was pretty intimidated by the amount of phone work I had to do through this situation. I was fortunate to talk with people who all spoke very clearly, and did have several times when I had to ask someone to repeat themselves or slow down. All in all, I’d say I’m doing pretty good on this recovery road to hearing!

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