From the Once Uninsured, an Ode to Trumpcare

health insurance rules
for relieving years of pain
please don’t take it back

Nino’s Antiques

home: car cleaning bribe
 so i can get my work done
 and they earn their game
 
 insurance battle
 because i won’t be bullied
 by corporations
 
 i wash out bottles
 and my new/old egg beater
 from Nino’s Antiques
 
 (the shop in Gorham
 i went to as a child
 with just two pennies
 
 and Nino emerged
 with his wax-curled mustache
 and sold me his goods
 
 and this egg beater
 will remind me: he’s still there
 in my timeless town
 
 his mustache now gray
 asking my girls about school
 his PBS on
 
 selling his antiques
 for much too little money
 and chatting with kids
 
 he’s no CEO
 no insurance scam artist
 my hometown hero)
 
 

A Visit from Charles Schwab

a day off of work
 for three hours with students
 plus!–small donation
 
 refugees’ lives
 summarized in two chapters,
 questions that plague them
 
 if they saw their day,
 their actual student day,
 they might learn something
 
 instead, they murmur
 over plot complexities
 and students’ English
 
 they might realize,
 when to mansions they return,
 the true complex plot:
 
 they can’t give answers
 to high school reading questions
 nor inequity
 
 work, in equities:
 invest in students, not stocks.
 buy them a future.
 

For Mythili on her Tenth Birthday

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DSC01043Things could have been worse. We could have been wholly unemployed, or not had a home, or lost a baby. All the same, the year you were born and the months after, our lives were in a whirlwind of stress. We were taking on too many things–finishing a master’s degree, finishing our basement, starting up a childcare business, losing a job–and we weren’t wholly prepared for your entrance into our world. We didn’t have health insurance or all the money in the world to pay a hospital for your birth. And the day I discovered you inside my womb, I was surrounded by three babies vomiting while I lay on the couch, sick myself, wondering what we were going to do.

I should have known. If I was a fortune teller, I’d preemptively strike a snapshot of your entry into the world, that curdling newborn scream as you were pulled from me into the tub into my arms as smoothly as pulling a popsicle out of its wrapper. I should have know that out of three births, yours was the only one that happened at home, as perfectly, painlessly, and quickly as I’d imagined it.

I’d made a plan: My sister would bake a chocolate cake from scratch (I’d read about this in a book written by a famous midwife). In the time it took her to sift flour, blend together cream cheese frosting, wait for the cake to cool, and perfectly frost it with her architectural expertise, you would enter the world.

When I called the midwife at three-thirty in the afternoon, she asked where Isabella was, where my husband was, where my sister and mother were. “Isabella’s in her room, Bruce is at work, my mother and sister are coming.” “Well, I still think it’s amazing that you can leave your toddler in a room by herself. Don’t have the baby until I get there!”

By the time she did, I was ready. We’d barely filled the tub, and the contractions were expanding along my spine, my belly, my abdomen. I slipped into the hot water as Grandma took Isabella to her house, as Elizabeth didn’t use the high altitude recipe and let the smell of overflowed, burnt cake batter fill the house, and my pain disappeared. Moments later, with almost no effort (after spending two hours on excruciating pain on this task with your older sister), I pushed you out.

You needed no training on how to nurse. You were a starved expert from that first moment, searching throughout that first night for milk that hadn’t quite arrived. Your eyes were open, jaundice-free, when everyone came to see you. Isabella looked perplexed (she was twenty-one months) and perhaps a bit jealous. When Grandma was holding you the next morning and you were staring up into her eyes, she said, “You have an old soul in this one. She’s been here before.” The next morning I was getting dressed, and I placed you on the middle of the bed for a moment while I left the room, your head pointed at the opposite wall. When I reentered, you turned your head to look at me, something I hadn’t seen your sister do until almost four months. I knew my mother was right: There was something different about you.

During that first year of your life, in the balancing act of young parenthood and career beginnings, Daddy lost his job. While he futilely searched for another, I finished up my master’s degree and set out on my own search, accepting the fact that I would have to give up one of the biggest dreams of my life: staying home with my kids until they were in school. The night before I started my new teaching job, I lay awake counting all the hours I’d had with you, holding you in my arms, nursing you, watching you watch your sister dart around the house… The grief of it was so heavy I couldn’t sleep, and I spent my first day in a haze of depression.

But you were home with your Daddy, better than any daycare, and before I could blink you were trailing your sister around the house and repeating every word she said with your adorable dangling modifier, “Too.” Isabella: “I want to have some milk.” Mythili: “I want to have some juice… too!” Isabella: “I want to go outside.” Mythili: “I want to go outside… too!” And so you learned to speak and walk by fourteen months, and had developed enough language to enter your imaginary world that involves nothing less than two objects of any type–pasta shells, sticks, fingers, or dolls, to create wildly fantastical stories filled with clips of language you’ve overheard from your sisters, your friends, your parents and grandparents, books you’ve read, or movies you’ve watched. Even last night, when you ultimately decided not to go to the musical with your baby sister and I, you set up camp with your doll below the piano bench, too engulfed in your current tale to wholly say goodbye.

Mythili, how has it been ten years since that whirlwind moment of your entrance into our lives? You’re turning ten today, and sometimes I feel like we have a four-year-old, wishing to hold on to the magic of childhood for as long as possible, while other moments I think I must be speaking to an adult, with your wise sayings and bits of advice, spoken in the perfect undertone of an expert in every field.

You are a decade old, and your life is just now beginning to unfold. You have proven your adaptability to the world around you, to the stress around you, in ways that most people would envy. Mama back to work and no more milk? You were my only child willing to take a bottle of formula. New baby sister? She’s cute, but I’m a bit busy playing with Isabella right now… I’ll save my play for her for later. Moving to Spain for a year? You picked up Spanish like you were born with it and made friends within the first week of school, translated for your father when I was gone, anything from how to order a coffee to what the oven repairmen were telling him. Share a room with two sisters? You set rules for who got what beds when, always making sure to make your middle child status quite clear.

Things could have been worse, that year you were born. The worst of them all would have been if you hadn’t arrived. If you hadn’t brought that painless peace to my childbearing, that sage expression that so often comes across your face. If you hadn’t become a part of our family, we wouldn’t be the family we are today.

Things could have been worse. Without you, Mythili Lucia, they would have been. Thank you for making our lives what they are: filled with laughter and wonderment, joy and honesty. Happy tenth birthday my love, my sweet, persistent, quirky, imaginative child.

Puncture Wound

you are the hole in my tube,
tiny as a pin prick,
a puncture wound,
not for one second
able to hold the air
i fruitlessly pump.

your removal is tedious,
leaves road remnants
and layers of unwashable dirt
on my palms and fingertips,
takes an extra set of hands
and real strength to complete.

i haven’t the strength
to discover how you ruined my day,
only the muscles to move on,
to accept that you’re now
lying on the floor of my garage,
a haunting shadow
that tries to follow me everywhere.

Whisper

funny how you mask yourself
for their protection
and i wear the button
proudly on my jacket,
picture-whispering
my beliefs for all to see.

when your thoughts
bubble up out of you
in an eruption of disparity
from the tight-necked clothes
you’ve kept around you,
the lava stings my view
of who i thought you were.

you wait for molten rock
to form as ash settles,
but i am trapped underneath
the red flow from your mantle,
unable to break through the crack
in the crust you chose to expose,
unable to even whisper what i see.

How to Live on ONE Salary in Today’s World, Day Three

Without a doubt, living on one salary has its challenges, and by far the biggest one for us, or anyone, is health insurance. This is tricky. We have dealt with health insurance over the years using many different methods, none of which are ideal. When I stayed home with the girls and Bruce didn’t have health insurance through his employer, we bought independent health insurance that covered NOTHING. I mean, we were paying almost $400 a month and every time we went to the doctor we had to pay towards our deductible, meaning the full bill. We finally just gave up, because all we were doing was paying, paying, paying, and receiving no benefits.

So when I returned to work as a teacher, I received full benefits, but the costs for the family were exorbitant: upwards of $500 per month. We knew that there was no way we could afford it, so we didn’t even consider it. I know what you’re thinking: what would we do if something tragic happened? Is it worth the risk? No one can answer that question for us; it was a risk we were willing to take at the time.

Luck plays a hand when you are making good choices for your family, I think. Just a few weeks into teaching I came across a flyer that advertised CHP+, the state-funded health care program for children. Of course, with my minuscule salary at the time, we qualified! So since we put our kids on that health insurance, we have an annual bill of a whopping $35 and co-pays of just $5.

Unfortunately, we could not afford to have Bruce on any health insurance until I had been working for more than two years and I received a couple of raises. Even then, it was a struggle to afford, but we managed until they changed the insurance. Now we are back in the same boat, risking the possibility of injury or illness to save money… but what can we do? What else can we cut? It is a terrible choice for a family to have to make, but it is our choice.

Back to our remaining $350… that easily covered the trash, about $20 per month, $80 for the phone bill, $150 for gas, and just a measly $100 for EVERYTHING else. I’m not going to lie. It wasn’t always easy. When we had to get the car fixed, when pipes froze, or when some other emergency happened, we had to put everything on a credit card, which I hate to do. But another huge benefit of having one income is a large tax return every year, so whenever we have to use the credit card, we are always able to pay it off with a portion of our tax return. And we never, in the four and a half years of living on one salary, have had to pay off more than $1500 on our credit card, leaving us with spending money!!

Yes, spending money! We have actually been able to take at least two vacations every year since this shift in salaries. One year, when I gave birth to baby number three and had an enormous amount of medical bills related to this, our tax return was so generous that we were able to take the whole family to Mexico for a week.

Vacations aside, what we have truly purchased with our one income is priceless. With a full time dad taking care of the children and the home, the errands, the grocery shopping, the cleaning, and cooking dinner every night, I do not endure the harried existence of many working mothers. And because of the multiple weeks of vacation time and holidays a teacher has, we have more family time than almost any other family I know. So, despite all the sacrifices and stresses we have faced over the years, it has been worth every minute of worry and every penny not received. We have a stronger, calmer, healthier, happier family, and no one could ever put a price on that.

How to Live on ONE Salary in Today’s World, Day Two

So, $1200 per month to pay the remainder of the bills for a family of four with two stubborn girls still in diapers? Well, it’s not so hard really if you’re willing to sacrifice a few things. For one, neither of us had a cell phone, gasp! I mean, what is the purpose of a cell phone, really? It’s to communicate during emergencies, and in that case, Bruce could just call me at work. Since then, we have purchased cell phones, but even now, we only use pay-as-you-go phones, paying probably less than $10 a month, TOTAL.

Also, we were not paying for cable TV and at that time had dial-up Internet, which I know isn’t the greatest, but it still worked. These are all simple ways to cut costs: think about what you REALLY need. MUST you watch HGTV or have the highest connectivity, or can you make some sacrifices?

Without those expenses, we still easily spent $500-$600 per month on groceries, but cut our food expenses tremendously by almost never going out to eat, a habit that was admittedly difficult to drop, as we had been accustomed to that lifestyle for six years of marriage. But you have to do what you have to do. Part of that also includes switching stores, though it’s tough to give in to this, and primarily shopping at Wal-mart. Their prices are easily half, and at the very least thirty percent, less than a typical grocery store. Once I discovered this, I knew we had to make that choice, grievances aside.

Back to the diapers… we used cloth diapers, so we weren’t spending $60 a month on diapers. Our water bill may have been a bit higher, but it has always hovered around $60 a month.

So where does that leave us: $540-640… Because of our good driving records and having old cars (yet another benefit of not buying a new car), our car insurance is less than $40 a month. Yes, that’s right people: LESS THAN $40 a month!! Some things, however, are out of our control, such as the energy bill, which can easily rise to $240 in winter months. We have always tried to balance this out by paying $150 every month, therefore crediting our account, even when the bill in the spring or summer is as low as $80. This is just another simple way to cut costs: look at the whole picture and make it work by balancing things out.

Assuming that we had an expensive grocery month, that leaves us with $350 for everything else: phone, clothing, trash, gas, insurance… and tomorrow, the great insurance debate… in my words and ever-so-bold opinions…