For those of you who are aware of my situation, I am still on my quest to be able to homeschool my daughters and be able to still contribute financially to our household. Part of the big picture for our family is that my job insures my husband and me, and is the most secure of the two. Now that my eldest is in third grade (the do or die grade in public schools), my husband "FINALLY" sees why I want so desperately to homeschool our girls. It took a lot of praying on my part to try and get him on board. God has finally softened his heart on this matter. However, there is a big price to pay if I walk away from my job. We would lose our health benefits. Although I purchase my daughters' health insurance separately (because I found a better, cheaper one on my own), the school board pays mine 100% and I added my husband onto it (employee paid), if I walk away, then my husband and I would have to purchase our own insurance. I've looked around and can't come to grips with how expensive it is if I were to get my own insurance. How do you guys do it? I thank God for softening his heart on this matter. I'm still praying that he gives me a way of being able to do it. I've been praying about this since my eldest started Kindergarten. Any advice? (My apologies if this is a bit long winded, but I'm just really frustrated with this situation already).
Can you try to tutor (for the finances) and look into something like Samaritan Ministries or MediShare for the health co-op? Just some thoughts because my heart is so heavy for anyone who wants to find a way to homeschool and needs help working through the obstacles. May the Lord provide the answers you need to raise your daughter at home.
Lisa in DE
Imperfect mom of 7
Thank you so much Lisa for sharing that information. I have not heard of those options. I'll definitely look into them. God has set this (homeschooling) in my heart years ago. I know I must be patient and that it will happen at His time, but I also know I have to do my part here on Earth. Thank you for those leads! I have tutored in the past (before children), now it sort of defeats the purpose because I would need to have someone watch the girls while I tutor. It's sort of a catch 22. I know there's something out there for me. I just have to keep looking. God has a plan for me. I just need to be patient and wait upon the Lord. But truth be told, I do get impatient sometimes. I guess it's part of being an imperfect mom of 2 ;)
My friend (who is single) tutors in her own home, or she can take the kids with her. Folks are usually understanding when you explain things. You can have something special for the girls to do just for when you are tutoring...maybe even educational DVDs, audio CDs, puzzles, dress up dolls.
Sometimes, you can teach at paid co-op classes, especially if have a skill set in high demand (science is a biggie for middle and high school). Or offer that type of class in your home (or someone else's) once a week. Just some ideas of experiences we have had.
What's nice about the MediShare and/or Samaritan Ministries in our current "healthcare climate" is that being enrolled in one of those programs "counts" as having healthy insurance as mandated now by current law. It really amounts to something similar to major medical only - you'll pay out of pocket for regular doctor visits and routine stuff - but that is amazing because having other major medical coverage only has been outlawed by the new/current law. I do not know how the loophole that actually benefits Christians was allowed in - I don't think I'm being too cynical to say it was surely an oversight and not an purposeful help they were giving - but it's well worth looking into. I have not examined it much yet - we are just aware of the option if, for example, the current law would ever result in my husband's employer dropping the benefit and paying government fines instead to save money (totally going to happen more and more) - but I believe a "family share" is about $300 per month...which is much cheaper than any individual policy one can buy.
Medi Share has been fabulous for our family and has saved us thousands of dollars in the past 7 years due to health issues and accidents. There are several options to choose from that include different monthly rates and deductables. If you fit the requirements of their health benefit, more money is saved. Like any medical plan, be sure you understand what they will and won't pay.
We have friends who use Samaritan Ministries and have had nothing but good to say about them.
I know about insurance its hard to find. We are in the same boat sorta. I just found another job. I am a CNA and I am going to be working 3 12hr nights. I had ins for both my husband and I. Our son has disablilites so we are blessed honestly that he is on assistance for his disability. Also, we are veterans, so if we don't have ins we go to the VA and get medical care. Still its not free if its not part of our service connected disability. I would be frustrated too. Does your hubby get ins from his work? In order for me to homeschool we have to stagger our schedules. My husband has supported home schooling our ds ever since we had him in ps and a few things really made us upset. 1. they down play his heart condition and send him to the nurse with his legs numb and no one called me. as i write this i can't sleep because he goes in for heart stent tomorrow. 2. I was told by his ps teacher i was making excuses for him and 3. he stays sick all the time. we almost had to cancel tomorrow's stent because of strep. Oh did mention I pulled him out of ps just last week. no curriculum!!! just Time 4 Learning which my ds really don't like..he wants his books back he said. I pray that you find a situation that will fit your family's needs. Homeschooling is sooo worth it..my son will never go back to PS...I am done with Ps for him..my middle child does very well in PS and is gifted in all but math..and my 19 year old is in college. I am long winded too don't worry about that :0)
Thank you Jennifer for sharing that with me. My prayers are with your son. I hope he feels better real soon and all goes well tomorrow. Unfortunately, my husband does not get ins from his work, which is why I have him on mine. I think I'm definitely going to have to continue working (probably a night shift if somewhere) if I want to homeschool. I'm trying to figure it all out. It just gets very frustrating and overwhelming when you stop to think of everything it really entails. However, I don't lose hope.
Maybe this is too radical of a step for your DH, but there are homeschooling dads, too, you know.
My husband does get health insurance through his work, but it is too expensive to pay for the rest of us. (Fortunately it's enough for him, as he is disabled and really needs it). I pay for a very high deductible plan for myself (about $110 a month for $7000 deductible) and our kids are on the state health plan (WA state). Because of our income level we pay $40/month to participate. I'd rather not do this, but there's really no other way for us to afford health insurance for the kids.
He works long hours (9am-9pm). We have considered homeschooling in the afternoons/evenings and weekends, then we go back to the conundrum of childcare when we are at work. We don't have family that can help us out. My family lives in NY and his mom lives in Georgia. His dad lives far from us and can't commit to watching the girls Monday-Friday while we work. We are really trying to figure this out, but it hasn't been easy to say the least.
No, I was meaning him quit or cut back on work to teach the kids and you keep the job with the healthcare. I realize it's not an option for many (don't think my dh would ever do it), but it works fine for others.
He would never do it either. Thanks for the thought though.
I dont know if you would consider opening a home preschool/childcare, but that is what I do. I have 8 preschoolers (2-5 yr olds) full time plus my own two children who we home school. I wont tell you that it is easy, but I run it like a small preschool/childcare and do very well financially. It is the only option for us if I want to stay home and home school. As far as the insurance, I would look into the options the other ladies mentioned such as Medi share or Samaritans Ministries.