My lack of income coupled with my husbands need to cut back on business to take care of our family while I’m in crisis has had a significant financial impact on us.
I don’t know how to explain what’s going on with my body and why it will not “just get better”. I don’t know how to tell my babies that I can’t play with them. I don’t know how to tell them they can’t sit on my lap because my knee hurts today. I have one last shot to fix this problem. It will require a significant surgery and a significant rest time (3 months off work) and that is terrifying.
Because I have waited for insurance it has now also become significantly more complicated. I would feel much better knowing that I relieved a little stress off my husband’s plate during this difficult time. There are so many things that I want to do but I can’t. It is not my mind or anything else that is failing me. My inability to function as a human being is being taken away because an insurance company thinks that this procedure is optional.
I’ve run out of time to wait on insurance. I have done my best to be the person that everybody else has needed for my whole life. I have been a good daughter, a good student, a college graduate, a devoted wife, a great mother, a caseworker, a public school teacher, a tutor, and a small business owner just to name a few “hats”. Everything I have done has been to make a better community and a better future. I want to give what I have been blessed with back out. I do my best despite this circumstance I find myself in.
I have decided to continue with this procedure, even if insurance won’t cover it. The cost of the procedure has been reduced significantly (to just over $22,000). My time off has increased significantly, I won’t be able to return to work for the remainder of the school year.
As of now, I am hoping insurance will change their mind and cover the cost of the procedure but I don’t have time to wait. I lost my short term disability when my company switched their policy holders.
What I am currently asking for is help with lost wages while I recover, insurance deductibles, out of
Pocket expenses and past unpaid medical bills. I will not receive any payment while I am out. If things change, I may ask for more or less. I just have to take matters into my own hands.
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