Hi everyone!This is
so I understand if you don't read it.
I've started my college program this semester and let me just say it's preeeeetty busy! I have 5 classes which equals to 14 credits (average full time students at my Uni is 12-14 credits, so I'm on the higher side of average workload xD) which I have never ever been able to do before because of health insurance! That's right! Can't go to full time unless I get health insurance. So for the past two ish years I had to do everything part-time, which was fine, I wasn't in a position emotionally or mentally that I could do full time, and as such, I'm still technically a freaking sophomore (2nd year).
So here's what's sorta weird. I found out this program I really want to do, it's only 1.5 years long, and it's only a Technical Certificate, which is awesome for my field of study. I'm going to become a medical coder. AKA I get to read doctor's notes and assign codes so that the health insurances know what to bill n stuff. I don't need
a degree for this job; it's a fairly basic one. I technically could
get an Associate's Degree, but then that would add more things I could do, like being a secretary or MEETING PEOPLE. OR PRESENTATIONS IN FRONT OF PEOPLE. OR MEETING PATIENTS. AND LAWYERS. THE HORROR. So I'm going with the lowest certificate thingy. Which is good for what I want.
Problem is, is that I need money to take the classes, ammiright?
So, I looked for some programs I could join, such as Vocational Rehab. If I were not taking a College of Tech class, they couldn't help me because they want me out of college and doing a job as soon as possible. I then joined another program for youth to get jobs as well, and between them both they were able to pay for what I couldn't after the Pell Grants. Hooray! I did it!
Except: I still needed health insurance. My university decided that they won't offer their own type of insurance because apparently people weren't buying it anymore since it was SO FLIPPIN expensive...? So they decided that they won't make it mandatory until next September. It was the first time they had ever in the hundred and ten years they've been established that they have done this.
This is supposed to be great, right? I won't have to pay for health insurance!EXCEPT I ONLY FOUND OUT ABOUT THIS AFTER I HAD SIGNED UP FOR HEALTH INSURANCE TO PAY OUT OF POCKET.
Granted it was sort of cheap health insurance and would literally do me NO GOOD health wise since it has a 6k deductible. Basically that means if I die it's fine, but if I go to the ER then I throw my family into debt.
I wouldn't even have to use this health insurance because I just go to the free health clinic things (I go to the one that is super cheap since it's cleaner, newer place; only 20 bucks a visit). So I'd basically be paying a hundred bucks a month (technically my mom is; I have no income atm) for a WHOLE YEAR, AND I WOULDN'T EVEN BE UTILIZING IT.
So, I figured, I can just cancel the health insurance for now until September when I actually am MANDATED to have it, try to save my family some much needed moneys.EXCEPT THE HEALTH INSURANCE GUY SAYS I CAN'T.
I guess there's like, open enrollment times, and I can dis-enroll any time, only... I can't enroll back until freaking October or November, or whatever.
And before you ask, no, my state did not accept Obamacare (Affordable Care Act) because my state is full of REPUBLICANS.(I'm not usually political, but I am when a political party doesn't favor my needs or does stupid things in general.
Heck, I don't even qualify for Food Stamps (EBT) because I still live with my parents.
I don't qualify for literally ANYTHING. I even went to a place and the guy just took a look at my info and was like: No, you don't qualify for anything.
But sure, if I was like, idk, pregnant,had a kid, or living on my own or had a documented disability (SSDI/SSI), then I would qualify for something but I'm not severe enough for SSI (They've denied me about 5 times). That's fine, though. I've been doing much better in terms of emotions and my disability, and my depression. I don't think I'll need SSI anyways; especially if I can graduate and get a job, then I'll be having an income and maybe even my job will have health insurance I can get with my job or something...and I can actually see the dentist or have the eye doctor look at my eyes (it's sad that seeing doctors is wishful thinking for me). I know my eyes have gotten worse, in the sense that focusing on close up text is hard for me to do unless I close my left eye. Oh yeah, and sunlight, light of any kind gives me migraines, even ones with auras.
So I had to make a tough decision; cancel health insurance now, and just hope somehow I can get it before September and/or my Uni will keep the mandatory health insurance not mandatory, or keep wasting money for a whole year (that's about 1200 a year...that my family does NOT have).
I decided that, screw it. I'm not doing this; my family isn't gonna pay that especially when it's not even needed. So we stopped it, but I am just worried about what will happen when September rolls by. The programs I'm enrolled in can't help pay for my insurance because my Uni decided to make it not mandatory, so that sucks, but maybe if it is back to mandatory, they can pay for it. At least one program said they might be able to, which is great and hopefully they can. WISHFUL THINKING!
So with these programs that help fund my education: I have to meet with them, explain my disabililty/troubles in going to school or getting a job, then we write up a plan that I promise to get good grades and they promise to help fund and or provide accommodations if I need them. Each semester I do really good at, they can pay more of my funding/books/fees because they're basically investing in my success.
Which is great. Funding is very limited, though, so once the plan is finalized, it's kind of hard to go back and ask for more money if a situation should ever need to arise...
FREAKING TEXTBOOKS, MAN.
They are unnecessarily and ridiculously EXPENSIVE. FOR NO GOOD REASON. Was that redundant? YOU FREAKING BET IT WAS. I'm not even kidding; in at least the U.S., textbook prices for college have gone up 1,040% since 1977(ish). That means some textbooks are like, 400 dollars to buy, and 300 dollars to rent.
I thought I only needed 5 books to get. I had just enough money in vouchers to get those books.
AND THEN ONE OF MY TEACHERS DECIDES TO SEND ME AN EMAIL.
An email that basically undermined my entire progress of taking this college program. Yeah. Teacher realized, like, 2 weeks before classes started, that uh, teacher forgot to add a book to one of his classes.
No big deal; it was probably just a 30 dollar textbook I could just rent.
Oh no, it was...A HUNDRED AND FIFTY DOLLAR TEXTBOOK. TO BUY. Because guess what? The publishers decided that they needed to make a WHOLE NEW EDITION (basically add minor information and shuffle the chapters around) TO MAKE MORE UNNECESSARY MONEY. (for them, they have too much money. XD)
Problem with this is, I can't use the vouchers anywhere but the Uni book store. Which is RIDICULOUSLY EXPENSIVE FOR NO GOOD REASON. So I sat there and looked at the bookstore's website, hoping that somehow, some way, it would be cheaper. My teacher put a rush on the shipment of the books which was nice of him to do, but in the end,the book could be rented; for ONE HUNDRED AND TWELVE DOLLARS. After the other 5 books were bought, I only had 30 ish dollars left over. That can't cover a ONE HUNDRED AND TWELVE DOLLAR book. So I emailed my program supervisor and was like; I'm just gonna buy it out of pocket through Amazon because guess what? Amazon's price, for the same edition of the book,to rent, was only FORTY SIX DOLLARS. EVEN THE WEBSITE THAT MAKES THE BOOK WAS CHEAPER THAN MY UNI TEXTBOOK STORE.
So yeah. That was a wild ride from start to finish. I didn't mean to go all rant-o-saur on you guys.
I tend to bottle things up a lot, and well, I guess the bottle cap just burst off and I exploded.
Needless to say, this program is a tough one; lots of stuff to memorize and lots of notes to take, which means I probably won't have a lot of time to post drawings/writings. I'll try to reply to you all and favorite all your things
because you're awesome artists and keep up the amazing work!