It’s coming up on 4 months post divorce. I can honestly say that I have no regrets about my decision to end my marriage. My life continues to be consistent in many ways, with a sprinkling of new challenges tossed in here and there. Some aspects sorted themselves out almost without thought. Others have taken a little bit of time and more energy to accomplish. Not ironically, they all focus to some degree on finances, because in this divorce, that was going to be the major change I had to face.
I remember trying to imagine, during one of many sleepless nights pre-divorce, just how I was going to pay for healthcare coverage. I’d done my homework. I knew, at that time, what coverage costs might be and the range in price was overwhelming. A light began to appear at the end of that dark tunnel when I was told that I could likely get healthcare coverage through the military system thanks to my ex-spouse’s service. I was almost giddy knowing that coverage would only cost me about $25 per month.
On August 3, I applied. This process means that I had to acquire my own individual ID card within the military system prior to even beginning coverage. I waited. Two weeks, then 1 month, then 6 weeks. I reapplied. I waited some more. I had a very compassionate customer service person call me, wondering if I had been given an answer somewhere around the 10 week mark. I believe he went to bat for me once more, sending the information a 3rd time.
This morning, my email, just short of 13 weeks after my initial application, I found out that I don’t qualify for continued coverage. The military has a specific system for determining how and if an ex-spouse might still have benefits. I came up 2 years short of the required number of years.
I wasn’t too surprised really. I had assumed at about 2 months in that a process taking this long couldn’t end in a positive way. In fact, just a few days ago, I actually sat down and begin researching plans and costs for healthcare coverage, being 90% sure that I was going to become one of the masses entering into the health insurance circus.
I found a plan, affordable enough with the tax credit that I will receive, although it is definitely well above the anticipated cost of military coverage. The deductible is high, but most of them are unless you can pay $800 per month for coverage. I am fortunate now. I don’t see a physician often. Routine checkups are the norm and then I go about my life. I will pay the $122 premium each month for preventative care because I want to have a clear picture of where my health is and monitor any issues. The key now is keeping myself healthy.
I will also readily admit that in many ways I had a laissez faire attitude when it came to paying attention to healthcare issues. It was easier… much easier, to assume that those problems wouldn’t be my problems. Sometimes we need a good whack to the side of our head to make us aware that those problems are everyone’s problems – regardless.