The last two weeks have been extremely productive when it comes to baby prep, but obviously not so much when it comes to blogging. I think the best way I can describe this last month of pregnancy to someone who hasn’t been through it is to equate it to an old phone battery. I am given a certain amount of energy to use before I just shut off without warning. Then I nap for 1-3 hours, and *poof*, I’m back. But I never know how much energy I’ll be assigned. It’s a fun mystery every time I try to tackle a project or to-do list item. 😉
Shout Out to Liberty Healthshare Thus Far
I’ve explained that we don’t have classic health insurance before, but I’m not sure if I’ve brought up Liberty Healthshare recently. We switched over to this health sharing company in mid-2016 and they’ve been amazing so far. $299 a month into a group pot and an annual unshared amount of $1000. This will go up to $450 a month once our daughter arrives and $1500 up front each year. Still way cheaper than the $750 a month that regular healthcare was rising up to when we switched with a max out of pocket of $13,000 a year.
In 2017 alone, I had a blighted ovum miscarriage and got a D&C (surgery to clean out the uterus). I also had an ectopic miscarriage and received methotrexate shots to the butt to keep my tube from exploding. We caught it early enough to avoid surgery, but nothing is cheap when it comes to healthcare. Then I had a really early chemical miscarriage that pretty much just cost a blood test.
Altogether, we paid the $1000 “unshared amount” like we understood, plus about $150 of prescriptions, and Liberty Healthshare covered the rest. Since the rest came to around $20,000-$25,000, I thought they would dump us for sure in late 2017 when we were up for renewal. Nope.
And this successful pregnancy looks like it will end up costing them about $15,000 when the high risk OBGYN ($200-$400 per visit), regular OBGYN ($4200 just for delivery and another $1500-$2000 in combined visit fees), hospital fees ($5200), and all the blood tests are added up. We again have covered the $299 monthly amount, $1000 out of pocket for med expenses, and $200 in prescriptions and over the counter meds so far. There are a few outstanding bills we are waiting around to receive for the genetic testing, but I’ve been totally impressed.
If you’re interested, here is the most comprehensive post about health sharing companies versus health insurance that I’ve seen so far. If you end up contacting Liberty, just let them know that Crystal Stemberger is truly thankful they exist.
Last Stages of Baby Prep
This last month of pregnancy pretty much is just pushing us to organize all of the baby stuff in some way that will make it easy to find and grab after our daughter is out of me. That means utilizing and organizing the nursery as well as parts of another guest bedroom and our living room. Mr. BFS has been putting together bookshelves, storage furniture, baby toys, a high chair, hanging things in the nursery after moving around the furniture, and pretty much doing anything else that requires any physical labor at all.
I’ve been relegated to the phone calls, online stuff, and clothes sorting. I’ll admit, I am super clutzy right now and he’s correct about me needing to stay away from ladders and moving anything big enough to give me a back ache. Especially since all of my joints are currently out of whack.
So I’m making myself as productive as possible doing what I can and am just grateful to my husband pretty regularly for being more than an equal partner right now. He keeps telling me that I’m growing an actual human so I need to stop whining about my usefulness. He’s right of course, but I’ve never felt as physically helpless as I do right this second.
I’ve stopped whining about it out loud to him though. I just give lots of hugs and encouragement and go off and take my naps as needed, lol. I figure I’ll be a full time nursing cow in a matter of weeks, so I might as well stock up the energy while I can. I’ve been surviving on water, microwaved bean burritos, watermelon, salads, and chocolate milk. I’m eating everything else hubby cooks too, but those are my staples.
Still Doing Great Emotionally
Despite being side-lined physically, I’m still feeling pretty bouncy and positive overall. I feel like our daughter is doing well. She’s moving a lot but has been head down like she needs to be for the last 5 weeks and counting. She also is taking up much more room than a few weeks ago, though I still haven’t reached max capacity yet, which is nice. I’m just uncomfortable as opposed to being in the hell I’ve heard described by other women who were 38 weeks pregnant. All of that means that I can keep a good sense of humor without faking it.
I also just feel extremely lucky for my support network. My husband is truly doing anything and everything that might be the tiniest bit difficult for me and then some. Our immediate families are offering all of the support we could ever want. And our friends have been amazing too.
We were slightly worried that the child-free ones would dump us by now, but every single one of our close friends has been there for us in some big way during all of this. I am just all full of love and gratefulness and appreciation. It’s a nice feeling. Hope it holds on through the new baby sleepless weeks. 🙂
How has it been on your end? What’s going on in all of your lives out there?!
FYI: I worked at a dead end cubicle job from 2005-2011 for about $30,000 per year. I went self-employed in July 2011 and make between $70,000-$90,000 through blogging, professional pet sitting, hubby's reffing, and our rental home. If you’d like to start your own site (link to my free step-by-step guide), I highly suggest checking out Bluehost (my referral link with a nice discount for you, PLUS a free custom header banner from me!). Please contact me any time at budgetingfunstuff*at*gmail*dot*com with questions or just to brainstorm! I’d love to help!