It's True What People Say...You Can Never Have Enough Insurance!

Just another reason why and how I know God had his provision in my cancer. This is the beginning of many posts that will start with that same 1st sentence. There are many "things" that happened before, during, and after the cancer diagnosis that were just God's "doin".

For the first time in 15yrs of teaching, I signed up for the critical care insurance policy. (which covers cancer)  Now you might be thinking that is not a big deal, and those that have never heard the words, "The pathology reports are back and it is cancer.",  it is not a big deal.  However, I have heard those dreaded words so this was HUGE for us.   I will continue to explain, but I need to give you a little background....

Why in the world would I sign up for this so called "cancer" policy????  I haven't ever signed up for the cancer policy, why start now?  I'm young. I'm healthy.  I don't have a history of cancer in my family.  AND I sure don't plan on getting cancer anytime soon because cancer is for others, not for me!  Plus, I DON'T EVEN TAKE THE SCHOOL'S INSURANCE PLAN...I'm completely covered under Andy's insurance.  These were just some of the questions that were going through my mind. The big issue was that I was going to have to drive to Mansfield, on my day off, to another school (I had missed the sign up day at my school)  and sit and listen to an insurance agent give me the spill on different types of insurance plans while toting along my 5 month old. No thank you...that is too much of a hassle.   I was completely covered under Andy's insurance plan at his work, no need to pay extra for plans that are not needed.     So after days of this not settling well with me (thank you Holy Spirit), I got in my car, drove to Mansfield, walked into a different school's library to sit and wait on an available insurance representative.  To my disbelief, I walked out of the library that day with a critical care insurance policy (that covers cancer) and signed off to keep my disability insurance. (Which I totally walked in there with the intentions of dropping my disability, because my thought was "Why do I need disability?" Andy is the "bread winner" of the family.  I don't plan on getting hurt or having ANY more babies!)  During the 30min. drive home, I couldn't help but to think what had I just done. That insurance rep was awesome. He hook lined and sinkered me right into policies I thought I really didn't need. I was so upset over this I called my sister and asked all my friends if they signed up for the critical care policy.  Most answered, no.   So my full intention was to call the very next day and get those policies dropped.  Between my cancer policy and disability that would be a whole $40 back a month on my paycheck...That's a pedicure, folks!  (Important things right) Anyways, to make a long story short I got busy with the baby, work, soccer practice, etc and totally forgot to cancel the policies that I had planned to cancel just days before.

Life got busy, as always, and months past. Anniversary, soccer games, state fair, deerlease, Thanksgiving, Christmas, and then cancer!  After receiving the diagnosis, you panic not only for your health but for your finances. (Cancer is expensive!) Is this going to drain every last penny we have?   Are we going to lose our new home that was just built because I can't work and help pay the new mortgage? Unfortunately, these are questions that one ponders when you are married with children and have a mortgage payment.  Then it hit me at 3am in the morning...I took out at a critical care policy in Aug. WAY before my cancer diagnosis.  I ran upstairs looking for the insurance file. (Which by the way was organized so neatly...smile.  Those that know me are shaking their heads. lol) I started reading through it like crazy and found that cancer was covered! CANCER WAS COVERED!  I cried and cried. Thank you Jesus!

If you are still not convinced that this was God's provision and maybe just luck.  Let me tell you,  "luck, science, and odds" do not care about me, my husband, and my children's financial well being.  Luck does not care about whether are not we can keep our home, put food on the table, or drain every last penny in our savings account.  However, my God cares about my family and our needs.  Even though I understand that living in a "certain" house in a "certain" neighborhood, driving a new car, taking vacations, and my children wearing brand named clothing is all of this Earth. Trust me those things are not on my extended list of prayer concerns. However, I do know that having a home, being able to eat, getting to and from work, being able to pay for childcare while working and paying for my health costs are needs and HE took care of all of them!  For example:  My cancer policy covers, to the penny I might add,  what we will be out from our deductible and out of pocket expenses regarding my medical insurance.  So, I'm thankful to add that my little $100k, thus far, medical procedure(s) hasn't cost us a small fortune.  Disability will be replacing "most" of my paycheck in the coming months when I won't be paid because I've used all of my accumulated days off. Tshirt sells (Fighting for Amy shirts that my friend Heather Reed started (Thank you sweet friend:) have paid for some of the babysitting costs for Gage. (I have had to have a full time paid babysitter for Gage since Jan 28th.) So the only really big expense we have had is the elected genetic testing that insurance, partially, did not cover.  However, that was well worth it!

I know finances are an extremely private topic, but I wanted to share with everybody how God's provision (even in the financial department) was set up months before the big C was even a concern.

God did not strike me down with disease (as some might think...smh). He knew this was my future and this cancer was going to be used for His glory, therefore he took care of all the little things HE knew that we didn't have time to focus on.


Hugs to all,
Amy