UPDATE IN OP***********WDTPT? Should I give help with medical expenses?
Post ReplyPost New TopicPosted 2/11/2013 by susans sister in NSBR Board
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nlwilkins
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Posted: 2/11/2013 11:36:08 PM
I would wait,not promise anything and see how it goes. The bills may be more, the bills may be less. The hubby may be able to pay some of it, other things may happen. Just wait until it is all said and done, baby born and see where things stand. They may bet some special help or loans that will relive the pressure, they may work a little harder to find help form state and local agencies and so on.

Though I would kinda keep a close eye on her to be sure she is doing what she should in regards to prenatal care and that she is taking care of herself. If she is worried hubby might leave over this, you may need to recommend counseling. Keeping a husband that would insist a wife with a high risk pregnancy wife go to work when he is not working full time is kinda sad.

THEN there is the fact that if he leaves she can hit him up with child support demands. So it really would not be in his best interest to leave.


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Posted: 2/12/2013 2:27:18 AM
We're you asked?

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Nicole in TX
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Posted: 2/12/2013 3:04:53 AM
The father is on notice that he has 8 months to earn $10K. He needs to get cracking. Not having a full time job on his part is just pure laziness at this point. Why should you pick up the tab?

I have a family member like this as well.



recap.pea
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Posted: 2/12/2013 3:20:32 AM
Probably what I would do is let them pay on their own at first, then if they are struggling, maybe for the baby's first birthday (which gives them a full year to make progress on the bill), I would give them 1/2 of the balance remaining. I guess if it were my kid, and I was in the position to help financially, I would but I would want them to at least take some responsibility and pay at least 1/2 of it.


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Posted: 2/12/2013 6:34:20 AM
I would loan them the $10,000 and tell SIL to get off his @ss and get a real job and pottery can be his hobby.

I think that well intended parents and society enable people like this to be the "47%" who make life choices and expect others or the government to bail them out.

You obviously care about your step daughter and her children by helping to clothe and educate her kids - you have a good heart. But at what point do they cross the line and take advantage of your kindness?


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Posted: 2/12/2013 6:59:26 AM

Enabling the irresponsibility of her DH. He is a potter who sells his wares on the internet and at craft shows during the summer. He has in the past pressured DD to get a full time job, but he is not willing to do so. Both are college graduates.
In this instance, no way on earth would I shell out money. They are living a life of really poor choices. What able bodied man won't get a full time job to support his family!?


In this situation (sounds like an "oops" baby in a shaky marriage), I'd suggest that they put the child up for adoption . . . and find an adoptive family willing to pay their medical expenses.

But then I can't imagine getting pregnant at 43 without having any medical coverage.
I agree with this. I hope she takes permanent birth control steps regardless of what she chooses for this baby.

They do not sound financially able to care for another child.



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Posted: 2/12/2013 7:11:00 AM
If the financial situation is typical for them - how they choose it to be and not due to something beyond their control, I would make a small gift to them, but save the rest... Those children will need the money in the future and they shouldn't have to bear the full burden of their parent's choices... You can be a help if a child has a medical need, for schooling, etc... They can choose to manage the family finances any way they want - save the money for the child that needs it to really set them self on a different path...


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kellybelly77
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Posted: 2/12/2013 7:26:15 AM


Why is it going to cost so much for medical care. A healthy uncomplicated delivery is about 3-4,000. Basic prenatal care is about 1500....


Gavinsmom- I just had a baby a month ago and the Dr bill alone was over $5000. The total for my normal uncomplicated pregnancy and my quick routine delivery and 48 hour hospital stay is approaching $18,000, if it hasn't already reached that. Now, my insurance company won't pay that and I doubt self pay folks would either. I am in Kansas, state of low cost living, so I have no idea where a pregnancy/delivery would cost you $3000.


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katybee8
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Posted: 2/12/2013 7:39:00 AM
How far along is she? Is abortion out of the question?

It sounds like the father has a grudge along the lines of "You made me move here, so I'm going to do what I want."

These people have no business with another child. Please encourage them to give the baby up for adoption if they are unwilling to abort.

Yes, I know I will p!ss off a lot of people with that comment, but let's be realistic here.

JenAllyson
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Posted: 2/12/2013 7:41:41 AM
Our DS 2 was an uncomplicated quick birth with only 1 overnight stay and the amount the insurance paid was $13,000

And OP I don't know your history with money and your kids, but I personally would help with medical bills if I had it to give and knew my kid was not taking advantage of me.


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Posted: 2/12/2013 7:46:39 AM

It sounds like the father has a grudge along the lines of "You made me move here, so I'm going to do what I want."

ITA.

Dad needs to get a full time job with benefits.

I would not hand over a check for $10k. I would let them handle the hospital/delivery bill however they choose to and save the money for things the baby will need once it's here.

kimberly38
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Posted: 2/12/2013 8:41:46 AM
I would not pay their medical bills.

They are adults. They made a choice to get pregnant. They are making a choice not to find jobs that support their family.

What I might do, since they have other kids, is occasionally buy something for the kdis that they might need. Maybe some new school clothes, shoes, books, etc. Buy some items for the baby. But, I would not over do it.

If you do, you are enabling them, their lifestyle and their choices. As long as they have someone to enable them, they will never "grow up".

NavyMomK9
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Posted: 2/12/2013 8:56:05 AM

Maybe the "family" doesn't qualify for Medicaid, but, she should apply for Medicaid for herself and her unborn child. Medicaid for Pregnant Women is under different guidelines - as in not a "poverty" based program. There are also several ways to qualify under Pregnant Women. She should check out her State's website and look at the guidelines and the qualifications or at the very least, make an application for Medicaid and have the various eligibility factors explained to her.


THis ^^^^^



Also- If the other 2 kids qualify for state medical services then a pregnant mother in the same family most certainly would.
If they make too much money then they most likely can save and/or get on a payment plan with the doctor and hospital. I would not be enabling your SIL to shirk his responsibilities and hand over a check. I might help them out afterwards by making a payment or two directly to the hospital or doctor if I see that he is making an effort.




There is a program in NC that insures children of low income parents and both of the kids are on this program now


Which is it? They are low income and 2 of the kids qualify or they make too much money ? I'm confused.









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purplepackrat
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Posted: 2/12/2013 8:58:34 AM
Two adults with college degrees working part-time jobs do not need your money. They need to make better choices for their family. From what you've said, it sounds like you might be getting played. If your SIL has the audacity to try to make his wife work so he doesn't have to, then you're definitely getting played.

Even if not, I would not help pay their bills. Grown ass adults have to live by their choices and they have to run their household as they see fit. If they see fit to not pay their bills, that is on them, not you.

FWIW, my DS gets laid off from time to time. I might pop in with some groceries or diapers, but I do not take on the expenses of his household. My DIL is a SAHM with a college degree who could totally get a job if she wanted. My DS could work some side jobs while waiting to get called back to work. I feel for them, but they run their household, not me. In addition to groceries or diapers, I have also paid for children's birthday parties or bought seasonal clothes they needed. But you just don't pay their bills when they've made their life choices and do not adjust to meet the commitments they themselves have made.

So, I'm not saying be a hard ass and not help. I'm saying there is a line you draw and there is a difference between helping someone through tough times and enabling poor life choices.



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bethany1023
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Posted: 2/12/2013 9:19:09 AM

He is a potter who sells his wares on the internet and at craft shows during the summer. He has in the past pressured DD to get a full time job, but he is not willing to do so.


You had me until this. I say this as a crafter and artisan. He needs to grow up. You reach a point where the needs of your family and the kids come first. Both DH and I have set aside dreams of being an artisan full time to make sure our home is financially stable enough for our 2 kids.

I would encourage her to apply for medicade and other programs like WIC. They may be surprised and find out that they qualify. If you do decide to help, I'd ask for the doc bills and pay them directly.

susans sister
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Posted: 2/12/2013 9:42:44 AM
Peas, Thank you so much for your ideas and input. It is always good for me to get different prespectives on issues, and nobody does it better than the Peas.

ashazamm
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Posted: 2/12/2013 11:56:49 AM
If you have the money, I think it would be a great gift to take that burden off them. If you don't, I wouldn't.

How about half? That way they have the responsibility to pay for their own expenses but by paying half, it would help them see an end in sight.

frostybuns
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Posted: 2/12/2013 12:07:18 PM
I would definitely help if I could. My SIL just recently had her 2nd baby. They are in school and have no insurance so to save money they decided to have the baby a birthing center. Her first baby had 0 complications and she had a fast and easy labor. Of course the reason I'm telling this story is because there were tons of complications after a long, horrible delivery. SIL had little prenatal care and some of the complications could have been prevented if she had even had 1 ultrasound to identify some of the problems. Baby ended up having to be flown to a hospital and stayed in the NICU for several days and my SIL hemorrhaged and lost tons of blood and ended up being transferred to a hospital too. I hate to see anyone skimp on prenatal care due to lack of funds when there are people able and willing to help.


Monique

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Posted: 2/12/2013 12:21:42 PM
There are certain cases where I can see helping out, but this isn't one of them. Although your daughter is a high risk pregnancy, I personally wouldn't be paying for hospital bills (although would be sure to provide plenty of support for daughter and be sure her pregnancy is going okay). Depending on how it goes, you can always help out later if you think is an urgent need to be covered for the child.

And this .... seriously?

He is a potter who sells his wares on the internet and at craft shows during the summer. He has in the past pressured DD to get a full time job, but he is not willing to do so. Both are college graduates.
Why is he not creating/selling full time? How is he even part time at this? He needs to get on his wheel like it's Ghost and to start making/selling more to help with hospital bills. Or else man up and get a full time, steady job with benefits.



susans sister
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Posted: 2/12/2013 4:33:32 PM
btt for update in OP

justalittletike
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Posted: 2/12/2013 5:43:59 PM
Sorry for you and her






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moveablefeast
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Posted: 2/12/2013 5:49:33 PM
I'm so sorry. I know this was not the best circumstance for a new family member, but loss is so hard, I am so very sorry.

IleneTell
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Posted: 2/12/2013 5:51:30 PM
So sorry for your loss



revirdsuba
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Posted: 2/12/2013 5:52:22 PM
So very sorry to hear your update. (((((((HUGS))))))

tamhugh
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Posted: 2/12/2013 5:56:44 PM

Which is it? They are low income and 2 of the kids qualify or they make too much money ? I'm confused.




A few years ago, a friend of ours lost his job. They were able to qualify on an income based program to cover their child, but they made too much to qualify for coverage for themselves.

liya
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Posted: 2/12/2013 6:03:20 PM
I am so sorry
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Posted: 2/12/2013 6:24:40 PM
I'm sorry for their loss

In the future, hospitals have a special fund set up for people with no insurance. I cannot remember what it's called. But the hospital can help.


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Posted: 2/12/2013 6:27:57 PM
I'm so sorry.



bethany1023
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Posted: 2/12/2013 6:35:05 PM
Oh no. I am so sorry for your loss and your DSD's loss.

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Posted: 2/12/2013 6:56:42 PM
Oh dear that's sad to hear.


















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Posted: 2/12/2013 7:17:47 PM
I'm so sorry.


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Posted: 2/12/2013 7:18:15 PM
I didn't reply earlier becasue I think the rest of the peas covered it but I am truly sorry for your daughter's loss. Thoughts and prayers being sent hers and your way.


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Posted: 2/12/2013 7:45:57 PM
I am sorry.



finally~a~mama
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Posted: 2/12/2013 9:14:00 PM
I'm so sorry.




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Posted: 2/12/2013 9:36:46 PM
I am so sorry for your loss.

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Posted: 2/12/2013 11:25:59 PM

I am so sorry for the loss that you and your family are experiencing.


Lmz1234
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Posted: 2/12/2013 11:32:05 PM
I'm so sorry for your family's loss.


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Posted: 2/13/2013 8:20:27 AM
I am so sorry.


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Posted: 2/13/2013 8:30:54 AM
I am very sorry for your loss. I know that even in the circumstances he/she would have been a much loved and wanted grandchild.

If I may suggest, that money you were willing to part with to help with their medical bills? Hang onto and when the teenage grandchildren are in high school, let them know that you will be happy to pay for their expenses at a community college, since their parents clearly don't have a college fund. Kids who start high school thinking there is no money for college sometimes aren't motivated to do well in high school. Just a suggestion.


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Posted: 2/13/2013 9:41:30 AM
i'm so sorry. i agree with this:

If I may suggest, that money you were willing to part with to help with their medical bills? Hang onto and when the teenage grandchildren are in high school, let them know that you will be happy to pay for their expenses at a community college, since their parents clearly don't have a college fund. Kids who start high school thinking there is no money for college sometimes aren't motivated to do well in high school.


that would probably help far more than throwing money down the hole of teh parent's bills.



Annabella
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Posted: 2/13/2013 9:57:01 AM
I'm sorry!

I was thinking if her dh knows you have money and are always willing to bail them out or throw money at them (college fund), it enables him to not work. Just a thought.





UkSue
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Posted: 2/13/2013 10:54:20 AM
I was sorry to read your update- I can never think of a situation where a miscarriage is not terribly sad.


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Posted: 2/13/2013 12:09:07 PM
((((((((OP)))))))))))

My heart goes out to you and your family. What a heartbreaking loss!

PennyPaws
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Posted: 2/13/2013 12:16:51 PM
I'm so sorry to read the update Heartbreaking


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Posted: 2/13/2013 12:45:34 PM
I'm so sorry. (((hugs)))


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Posted: 2/13/2013 4:01:37 PM

UPDATE; It doesn't matter anymore. I went with her to the Doctor today and found out she has had a miscarriage. I am heartbroken.
I am sorry you are sad.



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