Saturday, July 07, 2007
Except...with a family of six, I have outgrown my Dodge Ram :-(. After much debate and some serious thought, we shall soon become a mini-van family. Gas prices are UNBELIEVEABLE! It costs me almost $80.00 every time I fill up...now if I had my way, I would get a Dodge Durango, but it will cost me the same to fill up...sooooooo, I never in a zillion years pictured myself this way, but I will now be a mom in a minivan...WOW...I said it out loud! OK, I can do this...I still have a couple months with my truck, but minivan, here I come...life will never be the same...sigh.
Friday, July 06, 2007
Bella playing in the sand
before the fireworks!
Daddy and his kiddos
Parade Girl

Daddy
and
Jack
Mama and Bubba
Jack and B
Bella and Keeley
Tuesday, July 03, 2007
Sunday, July 01, 2007
Oh My! It has been a long time since I posted...since August of last year! Ever since we started Jack's carepage through CHOC, I have posted on that, but I'm going to get back in the swing of things around here. I am going to to continue recording the craziness of the Clark family! If you are ever so interested in life from August until now, you can log into http://www.carepages.com/ and look under JackRyanClark to view his page.
Bella-isms!
When you have a three year old, it's an amusing day every day! Case in point...a few days ago, Bella was chomping on some grapes and she dropped one on the ground. Shaking her head, eyes rolling, she mumbled to herself, "Good one, Bella."
OK, here's another...Bella and I have been arguing lately about her wardrobe. She is obsessed with dresses and skirts and tights...the other day it was about 80 degrees outside and she wanted to wear tights...
Bella: I want to wear tights.
Me: No, it's too hot.
Bella: I want them though.
Me: No
Bella: Why can't I wear tights?
Me: Because...
Bella (in her sassy attitude voice): BECAUSE is NOT an answer!
OK, one more really...Bella is wearing a 4th of July shirt today. It is red with stars on it. She came up to me this morning and said, "Mommy, do you know why I have stars on my shirt? It's because I am a ROCKSTAR!" and she giggled...
Inside, I am laughing all day long at the things that come out of her mouth!
Tuesday, August 15, 2006

Thursday, August 10, 2006
(A little background…John worked in a union before we started our company, and in doing so, he received full benefits for our family. When he quit his job, we began paying COBRA to continue our coverage until we made other arrangements.)
Fast forward to June 1, 2006…I received a certified letter from John’s union stating that there was evidence he was working non-union and so our benefits(which was actually COBRA that WE were paying for) were being pulled as of yesterday and they were sending our June check back to us. So there we were, for the first time EVER in our lives without insurance. Even on a normal day, the idea of no insurance freaks me out, but my son is due to have open heart surgery in a couple of months and in all reality, he could go into heart failure on any given day and have to have the surgery sooner. He also has a condition which has the potential to have major health issues and although none have shown up, you never know what the future holds. So there we were…immediate PANIC!
I immediately went online looking for a plan, and I cannot even begin to tell you how many plans are out there…in the zillions I think! So I went the route of an insurance agent who informed me that although John, Bella and I could get whatever we wanted, Jack will never qualify for any kind of Private Insurance because he has two pre-existing conditions – his DS and his heart defect. GRRRRREEEEEAAATTTT!!! Before I began falling to pieces, my agent reassured me that there is a state program out there for kids that doesn’t look at pre-existing conditions and it’s only $9.00 a month. Because we have a new business, we would qualify financially…Whew…or so I thought. Getting Jack qualified for this insurance has been my worst nightmare. First off, my “lovely” insurance agent did our profit and loss sheet incorrectly so that Bella was approved but because of her error, she qualified Jack to be referred to Medi Cal…First of all, there is no way in the world we qualify for Medi Cal, and secondly, even if we did, I want to choose Jack’s surgeon, not have it chosen for me. And it is impossible to even find a pediatrician who takes it. So I began the appeal process…I am surprised I didn’t have a heart attack after all of the stress these state workers put me through. Everything they asked me to do, I did it immediately because I needed insurance YESTERDAY! Every person I talked to gave me contradictory information which delayed the process each time. An example is they asked for proof of Child Support in the form of a letter from Keeley’s mom or the court order. I called Angie who faxed me the letter that day and I sent it to the insurance company. I then called them and restated what I had done and asked if it was sufficient. YEP…10 days later, NOPE! Sorry the letter isn’t valid. You need the court order and then it will take, yes, you guessed it, 10 MORE days to process. They made the mistake of getting on the phone with John when that happened and he flipped out on these people. They did an urgent request to expedite the decision…then they found something else we needed to do, then again and again and again…and every time it was 10 more days. I, in good faith did everything these people asked me to do and there was no reason Jack should not have received the same coverage as Bella. It’s so ironic that the person I needed to be insured the most was the only one I couldn’t get covered!
So I have been basically harassing these people, calling a few times a day to check the status and make sure I have everything in that I need to. A supervisor has NEVER been available when I call. I actually think they red-flagged us after John talked to them! I didn’t know the impact this has had on me until today…I woke up emotionally drained. I spent all day with a headache and just wanting to lay down and sleep it all away. I was exhausted! I was frantically worried about Jack. I had to pay cash for his well-check and I was willing to pay for his Cardiologist appt, but I have an awesome cardio who didn’t make me pay because he knows what hell this has been for us. I feel like this has been my job for over 2 months. Sometimes I have spent over two hours on the phone trying to get the right information and I’d run into dead-ends constantly.
So this afternoon I did my usual call to the insurance company and I was all riled up, ready to fight with them…but to my surprise, THEY FINALLY APPROVED HIM!!!!!!!! Halleluiah! I bugged them so much, they finally got him insured…It only took 2 ½ months! But OH MY GOODNESS!!! I am ecstatic! My baby is going to be taken care of and we don’t need to worry. Finally, a light at the end of the tunnel. I can’t tell you how happy we are! John said to me today to just forget about them and let’s find a different route and I told him that there was NO WAY I would let them take advantage of me and I would fight for what is rightfully ours. My son deserves to be insured and woooooo hooooooo, all this craziness was worth it!


