More bad news...
illinoisgolf99
Posts: 1,507 ✭
As some of you may know, I was laid off from work a few weeks ago. My fiance and I have been struggling financially since we only have one income and my job search is proving fruitless. Add on the wedding planning and the fact that we're having to move back into my dad's house in Illinois and there's plenty of stress to go around... But it seems that the bad news just keeps on coming. I just found out that my fiance, who has an extra vertebrae fused to her hip, will be in pain the rest of her life. She just visited the chiropractor and they said that because the vertebrae is fused to the hip, there's no way of operating on it to remove it. The pain, I can tell, is unbearable for her, and she says she is having trouble even walking. Once we're married (next July) we won't be able to stay on either of our parent's insurance policies, and we're not sure if chiropractic coverage will be possible or even affordable. Her chiropractor said that the only way to help with the pain, other than medication, is to come in every week for the rest of her life and basically get realigned... I'm usually not a mid-day smoker, but I'm about to light one up.
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My child bride has arthritis in her spine. Arthritic growths pinch various nerves causing constant pain. She's been declared a 'non-candidate' for back surgery. In addition, she's had one knee replaced and now the other one is causing significant pain and will likely have to be replaced sometime soon. Since surgery isn't an option to relieve the constant pain, she's been treated at a pain management clinic. She's been through each of the preliminary steps of increasing the pain-control injections without satisfactory results. The next and ultimate step was to have an intrathecal pump installed just below her skin, similar to a pacemaker.
This pump delivers mini-doses of morphine to a preselected point on her spinal cord. These mini-doses are tiny compared to what you'd receive via injection or pills but because it's delivered directly to the appropriate place on her spinal cord, it's incredibly effective.
I strongly recommend that you look into a pain management clinic and ask about the pump. The doctor will probably insist on going through each of the preliminary steps but if they don't work, there's always the pump. It's been incredibly successful for us.
Back pain is never fun. I would also seek a recommendation from a medical doctor as well. Dealing with all this hard stuff from the start should really solidify your relationship. If you can survive the tough stuff together it makes the good stuff so much better.
You should REMAIN eligible for insurance through your parents, regardless of marital status.
This is an excerpt from a Federal Law.
Adult children will no longer be left to fend for themselves in their search for health insurance. The new federal health law requires that insurers give parents the option of keeping their adult children covered until they're 26 years old. It becomes effective for the health policy at the beginning of the plan year.
New individual and group health plans that provide family benefits are required to extend coverage to young adult children, including those who had previously fallen off their parents' plans. However, if a child has an offer of insurance through a job, some group plans that were in existence when the law was enacted on March 23 can exclude the young adults from their parents' coverage. That exemption expires in 2014.
Married children and financially independent children are eligible for the coverage, but their spouses or children are not.
Money can't buy happiness, but it can buy cigars and that's close enough.