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Reply to "Spouse lost his job and its ruining our life"
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[quote=Anonymous]Special needs twins pp- I don’t want to hijack OP’s thread, but trust me we have looked into alternatives to provide good insurance. COBRA is working for now but that will run out soon. Only the most gold-plated employer plans seem to have good out of network coverage for the therapy they’re currently getting, which otherwise would cost about half a million dollars a year. And the therapy center they are currently enrolled in is the only thing we’ve tried where they have made significant progress. If you haven’t experienced the complexity of what the healthcare system is like for kids with disabilities, you really couldn’t understand. Like they’ll say speech is covered, but then no therapists within an hour are in network and have openings. The quality of therapies offered through the school district is wildly variable. So you basically end up being forced to pay out of pocket if you want good treatment. I wish it were just as easy as getting any job with insurance. And obviously if we can’t find the money we won’t have any choice but to go with in network providers and public schools. But I’ve seen how kids with minimally verbal autism are often treated and we’ll move heaven and earth trying to make more money and/or get the good insurance again so as to keep them in high quality therapies. When you’ve seen the stark difference in care quality available when you have enough money, that’s hard to give up on for your kids. And it’s hard to convince your spouse to start over completely and give up his former 7 figure income potential, not when others in the industry keep telling him he’s a fantastic candidate and he just needs to be patient and wait for the market to turn. (And yes, I’ve also been intensively looking for work)[/quote]
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