South Carolina=Adventure City Part 3 Insurance Problems

Okay, so I just published about Matt's broken arm.  Here's the cool thing that happened with that...  Since we were in the middle of moving, my insurance had not kicked in b/c I wasn't starting work until the next day.  (broke arm on 7/17, started new job on 7/18)  His school insurance wasn't supposed to begin until he began classes (week of Aug 15th).  So, obviously you can see what our dilemma was-- NO INSURANCE!!  We were trying not to panic, and I knew that God would not have this happen and stick us with $20,000 worth of doctor bills all at the same time that I found out I was pregnant, moved to a new state and started a new job.  I mean, really?  God is such a loving God that he wasn't going to let his children start off a new season of life in a mess like this, right?
Well, because Matt is such the initiative taker and always trying to do what he can to solve a problem...he did just that- he solved the problem.  He called the hospital and talked to several people before he was connected to the Compassionate Care program and found out that they might be able to help out with the bills.
The qualifications for being able to receive monies from them were 1) a resident of SC for at least 6 months 2) prove you basically live at poverty level 3) and I'm not sure what else, but we already didn't meet the first one so I probably would have just stopped there.  But Matt being the go-getter he is, took it upon himself to explain the situation to this angel of a lady who was apparently wooed by his charms.  (As charming as he could be with his arm in pain and stressed out to the max).  She waived the 6 month residency if we could prove our incomes didn't go over a certain amount.  And since Matt was in school and my job had taken a pay cut, we definitely qualified.
We went to the hospital to meet with the angel lady herself and she looked over all our papers and said "okay, you're approved."  To which I was like "approved for what?"  And she said that the hospital would pay for the entire surgery, the ER visit (which she back dated for us), and any future hospital visits for 6 months.  I was blown away!!  Of course I started crying like a girl.  :)  All we were responsible for is the orthopedic portion of surgery and any visits we had with him.
So, we're thinking that the surgery would be somewhere between $10,000-$15,000 b/c that's what someone said when Matt called.  But we got the bill a week ago (that said THIS IS NOT A BILL BUT TO LET YOU KNOW WHAT YOUR PROVIDER PAID), and I read over all the details of what was paid...let me tell you that my heart was dropping as I read over the costs and expenses.  It wasn't $15,000 that was taken care of but $32,000+ that Compassionate Care paid for us.  Talk about a humbling experience.  I didn't even know what to say when I finished looking at that bill.  God is so good and loving to his children.  We had prayed for a miracle and within 3 days of breaking his arm, God provided in a way that I could only dream possible.  We prayed that either he wouldn't need surgery or that insurance would come through.  Insurance didn't, but God sure did!  All we've had to pay so far is about $2000, but we're still waiting to see about the physical therapy costs.  But if that's all we owe compared to $32,000, I'm not gonna complain.  _____________________________________


God has proven himself to me over and over again in many financial ways.  Our next step of faith is going to come when I have this baby.  My insurance doesn't cover dependents, but Matt's insurance will.  I'm not sure what all his plan detail covers, but I'm still trusting God to take care of it.  He wouldn't have orchestrated all this down to this particular timing to not have a plan for our life.
If we were still in Louisiana, I would have excellent coverage for my baby and not have to worry about all this.  So, I can only trust that God has put us in South Carolina already knowing that we were going to have this trial to endure.  Which leads me to believe that He is going before me and my family and already knows what is to come.  We just simply have to trust.

South Carolina= Adventure City Part 2 Matt's Broken Arm

Matt and I wanted to get some exercise while we were here, so we went to a park where he skated and I found a track to walk around.  We'd been here at least once before, but this time, Matt broke his arm!! It was quite dramatic, yet he was very calm.  He drove around the gravel track to pick me up with his right wrist in his left hand, jumped out of the driver's seat and said, "we've got to go to the hospital".  Of course, I'm like "we don't even know where it is!!"  We'd only been in town for a grand total of 5 days! It was borderline inconceivable.  I'm driving and he's calling Tim, the BCM director, for directions to the hospital.  He never cried, which I'm sure I would have been pouring hysterical tears.  But boy, did his wrist look bad.  I'll post a pic but those of you with weak stomachs, be forewarned!  It's not pretty.  Even one of the ER nurses who took the x-rays almost lost her lunch.  I thought that was pretty stupid for her to even be working on that floor b/c HELLO, that's what she should expect to see!  It never bothered me too bad I guess b/c I knew I had to hold it together for Matt's sake.  He was probably the quietest I'd ever seen him for 3 hours while we waited to see the doctor.  But once he got some good drugs in him and the doctor was about to pop his wrist back in place, he was all kind of Chatty Cathy/Carl?, and actually smiling at me.  So, I knew he wasn't feeling much pain then.  

A wrist should never look like this.  

So, all that adds up to a slower move-in process b/c Matt's limited to one arm.  He was in constant pain for about 3 weeks.  So, he was BFF with the couch and TV for a while.  He couldn’t even play video games because he didn't have much dexterity in his right hand/fingers.  

This was the first cast, not the cool looking one.  

He went back to the orthopedic and the doctor took off his cast, took out the stitches and put on another cast.  He wore that one for 2 weeks.  It was shorter and thinner and cooler looking.  (Didn’t get a pic) He had more room for movement in his fingers/hand, which was good b/c classes were staring that week.   (August 18^th)  He’s since gotten the cast off and is going to physical therapy.  His wrist movement is pretty good (he can write and grip), but his angle of movement is what he’s in therapy for.  He can’t move his hand to a 90 degree angle up or down, so that’s what’s got to improve.  There’s also a nice scar that’s about 2-3 inches long, which he’s not excited about.  But all in all, he’s doing much better and improving each day.