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 Carol's Journey

Health Insurance Decision

Received notice in the mail
God’s provision never fails
Temp agency has new plan
It will offer as 2014 begins

Agency policy supplemental
Very low weekly rate overall
Fixed indemnity coverage limits
Still lacks government mandates

Friday finally accessed Nov. 1st letter
Subsidy denial was explained better
Income level compared to Medicaid
Tax credit eligible by decision made

State Medicaid law in order to qualify
Single parent, blind or other disability
Option low income adult under 65 years
Not approved for 2014 legislation here

Emailed letter to local agent for his review
He is licensed broker for Marketplace too
Included how to file an appeal information
Ten day limit up so may not even be option

Tax credit amount based upon level of income
Changes from estimate I must report to them
Under or over determines if payback required
Temp job hours vary and future not guaranteed

Agency plan contingent upon my employment
Limited coverage for short term not permanent
Government plan with unknown higher premium
Tax credit applied after signup for one of them

Devotional I read last week by Luci Swindoll
Gave insight on our life circumstances overall
By viewing trials not as punishment or penalty
Peace comes seeing them as growth opportunity

Lord change my heart perspective through trials
As an opportunity to learn from You all the while
Guide me in this decision about health insurance
You have the plan to meet my needs in abundance

© Carol S. 12/1/13

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