Sunday, March 30, 2008

McDonalds and doing lots of nothing...

My online testing will be over in two days so I'd better get off my can and copy the whole test by hand or keyboard. I can have the kids quiz me. So far the reading has not progressed.

At noonish I realized that R and I had done nothing this weekend together and I wouldn't have him next weekend so I needed to do something so that he doesn't think I'm permanently taking to my bed. So I got him dressed and we went outside but the weather kinda sucked and he kept urging me to take him to my car. Instead I asked him if wanted to go somewhere and he didn't say 'daddy' for once so I suggested we go eat. I got his cousin to come with us and just as we were leaving my father drove up, I didn't feel like making him happy so we took off after a quick hi and bye.
We went to the McD's on Kietzke and it wasn't that busy, I guess Saturday is the single dad's day and T and I ate. R didn't eat, he doesn't eat---ever unless it's soda or chocolate.
He spent the next 45 minutes tiring out his precious T and making her almost vomit cause he wouldn't even let her take a water break cause he had to play.
I took some Prenatal vitmins and they made me sick. After we left I spent the rest of my afternoon napping and finding various treatments to get rid of the nausea.

In the spirit of being a good parent and parent partner, I asked boyfriendx to go to my next Dr's appt. for once he actually said he'd consider it. Shocker! He was never interested in going during R's gestation but he might consider going! I wish I felt like any of it was in the spirit of love for me, but it's more about the son I'm growing.
Also I suggested the name Luke to him and he said it didn't flow well with R's name. I hadn't considered that, and I don't really care. Luke is short for Lucien and I've always loved French names, I don't think that will make it any better.
I don't understand why he's remotely interested in the naming process since he doesn't seem to care that the child will not carry his last name. So why should it matter to him if I name he Satan? But I think I stopped long ago to figure out what really matters to him.
No word yet on his chest, and if spots on his lung are cancer. I hope not, he is such a good Dad.

I thought today that if I won the Lottery that I would take boyfriendx back. Or better said I would start to keep him the style he would become accustomed. I'd refuse to marry him but I'd let him quit his job and spend all his time doing nothing. I'm pretty sure that even without money being a concern that he would still annoy me and piss me off. But I feel that he could be a good traveling companion for a while. I still don't know how women can go from one man to another, once you found someone who really gets under your skin you should try to make him pay for it---forever.

Saturday, March 29, 2008

More studying and snoozing....

Okay, just because your finally hitting your second trimester doesn't mean you feel like doing more than sleeping and eating. I'm trying to study, I swear and the three pages I've read today are not exactly committed to memory. So it's important to just keep trying....I guess.

As for work, well, no word yet on exactly how much the car dealer employer will pay for his employees coverage. I'm still thinking that a dual option might work here. Perhaps a strict 70% PPO or even an HSA compatible plan with a crazy deduct. I'm gonna give it a go on Monday. I want to keep them all happy or at least happy like.

I'm starting to believe in HSA's I swear but it's so hard to recommend it to people who really need good coverage. I guess it's hard for me to tell them it's the way to go when every traditional plan around them is so different. But I think once I get the amount that I will look at something like that. An HSA I really do consider a catastrophic health plan. Or perhaps a $1000/$1500 deduct plan with an HSA plan dual option that he will fully pay for? Too many thoughts. And if I try to rerun it again, will it make anything better?
I'm just so afraid that I will loose participation. Fingers crossed.

Friday, March 28, 2008

First one to go...

This blog is record keeping for me to clearly point out my life in insurance and momhood.

Motherhood-
R, my son, spent most of our morning together watching various Discovery shows that showed new parents bringing home babies! He seems more and more attached to me these days, I attribute that to a combo of vistation with his dad and the instinct knowledge that he will have to share me. Yesterday he had a very negative reaction when I tried to discuss his little brother on the way, he just pointed at me and said 'Mom, no!' and that was that.

Work-
I love what I do, but let's face it I don't do enough of it to really complain about it.
Yesterday I got news from a client that she had been rejected by Aetna for med's which is surprizing (I think) because she was taking one anxiety and insomnia drug. So now we're off to Assurant with a slightly higher deduct but with the copay's she needs cause's got two kids. She's currently on an Anthem plan she's paying close to $600 a month. So ouch! We'll see what we can do for her.
My car dealership deal, well, I'm hoping it will finally come together. We were hoping for a 3/1 effective date but wasn't realistic with all the underwriting issues. So now with the rate increases we're looking at 4/1 and due to cost the owner is dropping the dual option plan for a strict $2500 deduct plan with a crappy prescription benefit but there's no way to put in a descent plan without raising the rates sky high again. I'm not gonna lose this deal but I'm concerned of course that the very people I want to help won't be able to afford it. When the employer finally decides on an amount to pay we'll see how it goes.
In addition I've asked W&B to put in a Transconnect quote and see if I can get a supplemental that the employees can pay to lower their deduct. I don't think people even understand that a higher deduct can save them a butt load in the end.
On another note: I just paid for my P&C test, it will be April 5th I think. I'm still studying like crazy and really need to spend the weekend studying and reading. Not watching Ramsey's Kitchen Nightmare's!