I have a love/hate relationship with insurance. All sorts of it. I love to have insurance, but hate to pay the premiums for it. I love that it covers my expenses for auto and medical when I need it, but hate to try to understand how it works.

Yesterday it started sleeting and by 3:30pm the roads were already very slick. Jeremy was working at his 2nd job delivering pizzas and went on one more delivery before he was supposed to get off at 4pm and wrecked his car. He is fine and got home safely so we're all grateful for that. But now we have to find out if our insurance is going to cover this since he was working at the time. So please pray for that.

He has been working at his 1st job for 3 months now so we recently (like yesterday) got our insurance cards for our new medical insurance. I started calling people to see if we were going to have to switch drs for Damon again (we are) and found out that all the dr visits, ER visits, and hospital stay he had two weeks ago were all at out of network providers. But we didn't know because we just got the card yesterday. And the start date of coverage is the 12th (before all the above mentioned visits took place) so technically they should have all been filed under our new ins. I don't know what to do. I have to call medicaid and let them know we have a new ins, and I'm afraid they will reject all those because we had the new ins at the time of the visits. (They will NOT pay anything until primary ins pays their portion.) And since they were all out of network providers, there is a $500 deductible....see why I hate it?

Plus as I mentioned above, Damon is going to have to switch drs. Dr Grote has been so great and I'm really frustrated that we have to switch. It's ridiculous that you should have to change drs because this or that company doesn't allow you to go to them. R.I.D.I.C.U.L.O.U.S.

I'm just stressed out by this stuff and it makes me so distracted that I just kind of walk around my house from room to room with a blank stare. God's gonna have to take over quick!