Carol's Journey

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 Health Insurance
Monday I received my info about COBRA insurance
The name of the plan is very fitting with all assurance
A poisonous snake with a premium hard to swallow
More than double the amount should not be allowed

When checking alternative coverage on the internet
Pre-existing (PE) conditions would be excluded from it
I was quoted a much lower rate but with limitations
Out of pocket costs would be more for the duration

PE waived by discount drug mail orders from Canada
Plus a catch twenty-two clause that can easily get to ya
If I refuse COBRA and I am not insured after 63 days
The PE clause would apply to all group policies always

I wish congress would enact an insurance savings bill
Allowing employees to set aside funds at their free will
Up to $15.00 per check pretax and max $2,500 stipulation
Available for premiums only when leaving their position

Times today are hard with rising prices in a tight economy
Is downsizing really the way for employers to save money
It requires workers doubling up duties to pick up the slack
Or hiring replacements at a lower pay scale to keep on track

Meanwhile, I have applied at an agency as a temp-to-hire
God will open the door to the job He has for me out there
Plus scoring 100% in my field from their own assessment
It will help them to match my skills to assist in placement

I will accept the 18 month extension of my insurance coverage
Grateful my house is paid for and no worries about a mortgage
Even at the higher rate, God will be faithful to supply my needs
Thanks also for the prayers of my church family and close friends

Carol S. 3/9/11


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