Friday, July 17, 2015


Back Story: 
I was internally bleeding. 
What was I supposed to do? Not go to the ER? So my kids wouldn't have a mom to take care of them?

I thought I was covered. Two missed payments stops your insurance. There were 3, due to timing of other bills we had obligations to as well. 

Nobody in the Health Care Industry gets it. 
My husband is working 50-80 hours a week and I'm on unemployment and we are still eligible for public assistance! My kids have health care through the state. Crazy that we don't make enough to be on our own two feet. 
I have a $6k hospital bill I can't pay. At least the hospital is willing to work with us, and we are applying for payment plan options. 
Jesus can come anytime now, and wipe away all my debt. That would be amazing. 
I need peace about this. That this bill will - eventually - get paid. 

There was a small window. Found by a customer service agent named Joy. 
I didn't think it could be done. 
Insurance is a frustrating and tricky thing. Big businesses are not always ready to look out for the little guy. 

We were staring at a $6,000 hospital bill. There seemed to be no way out. 

The phone call came from Joy one morning. She left a voicemail- saying that she thinks she can get our insurance re-instated. I called her back after my daughter and I had finished breakfast. Not believing the truth. She simply told me was all we had to do was pay the premium for July and we would be reinstated. 
Understand up until this point that my husband had called the insurance company, I had our insurance agent (from whom we bought the policy from) call the company as well and he called me back with bad news. I was thinking we were going to have to self-insure the rest of the year. We couldn't re-enroll until January. He said there wasn't a gray area- or they couldn't find one. 
I even called Title 19 and asked if my procedure would be covered (since it is a form of birth control). Called the hospital and tried to have them run it through. No luck. It was worth a try, anyway. 
Obviously we can't miss another payment (which we won't) or we really won't have insurance for the rest of the calendar year. 
But, thanks to Joy. Hubby made the payment online tonight - and my surgery that I had in May is now covered. She truly delivered a miracle to us. 
I never expected it to happen, sometimes big businesses can act like small businesses and care about the little people- especially when they have great people working for them! 
Not sure what my hospital bill will be now, but it'll be much more manageable. 
I called and asked hubby if he wanted to pay $500 (rounded amount we pay each month for the 2 of us) or $6,000. He said - uh- yeah $500. We can do that!


I have been redeemed by the blood of the lamb.

 “For you know that it was not with perishable things such as silver or gold that you were redeemed from the empty way of life handed down to you from your ancestors, but with the precious blood of Christ, a lamb without blemish or defect.”
‭‭1 Peter‬ ‭1:18-19‬ ‭NIV‬‬

The slate has been wiped clean. 
Almost $6,000 clean. 


  1. That's awesome, Sarah! And I love that God used a woman named Joy to bring you relief!