Anyone who’s been a babysitter or worked as a nanny knows the great responsibility that rests on your shoulders.
Most babysitters take the job seriously, but some go above and beyond what any parent could ask for.
Twenty-two-year-old Kiersten Miles had only looked after George and Farra Rosko’s three children for a few weeks — but when one of the kid’s lives was one the line, Kiersten made a life-changing decision.
And it was a decision that will leave the Roskos eternally grateful.
Kiersten Miles is a 22-year-old student from New Jersey who needed a job to support her studies.
She contacted the Rosko family through a friend and immediately started working for them.
In no time, Kiersten formed a strong bond with the couple’s three kids, and especially their youngest daughter, Talia.
But it soon turned out that the nine-month-old girl had a rare, life-threatening liver disease.
When doctors announced that Talia needed a new liver, Kiersten didn’t hesitate for a second to offer her part of hers.
George and Farra and Rosko weren’t sure about the idea at first. They explained to Kiersten how big of a deal it was.
Donating part of your liver isn’t like donating blood. It involves invasive surgery and there are certain risks involved.
But Kiersten stood by her decision and applied to be Talia’s donor. And when she got her test results back, Kiersten proved to be a perfect match!
George and Farra Rosko were obviously extremely grateful to Kiersten for her selfless decision. But they made sure they didn’t push Kiersten to make a decision she might regret later.
Kiersten had no regets, and on January 11, 2017, she and Talia went to the hospital for the 14-hour surgery.
First, the doctors gave Kiersten anesthesia and removed part of her liver, and then they immediately performed a transplant on little Talia.
Thank goodness, the transplant was successful!
Kiersten stayed at the hospital for five days and Talia stayed for nine.
Thankfully, both Kiersten and Talia quickly recovered, and today, Talia is a new toddler.
Hardly anyone can believe that she recently had a liver transplant. Now, she’s like any other little girl — she runs around, plays, and eats like never before!
Kiersten of course deserves a hug “thank you” for her amazing gesture. Talk about a heart of gold!
In a world where humanity sometimes seem cold and selfish, people like Kiersten really give us hope and inspiration!
She could have just kept living her life focusing on herself, but instead, she chose to go through a long process that exposed hers to risk — all so a little girl would have the chance to live.
If Kiersten isn’t a superhero, then we don’t know who is!
Please share this story if you also want to spread a little light and hope today!
- Understand your alternatives to buying individual health insurance
The cheapest purchase you’ll ever make is the one you don’t make. It’s entirely possible that you don’t have to buy individual health insurance at all. Depending on which state you live in and what your income is, you might qualify for Medicaid. You can contact your nearest Medicaid office, or go to Healthcare.gov to determine if you’re eligible (see step three below for the latter route).
If you have children, there are a couple of avenues to explore. First, many states have expanded coverage for children through the Children’s Health Insurance Program (CHIP). To find out if your kids qualify for CHIP, go to the Medicaid CHIP website and answer the questions under “Can I Get It?”.
Second, check to see if your children might be eligible under their other parent’s coverage. Even if you’re divorced, if your former spouse has employer-provided health insurance, your children could possibly be included under their coverage.
- Know what you need and can afford
Assuming that step one doesn’t apply to you, the most important step in finding cheap health insurance is to determine exactly what you need in terms of coverage and what you can afford. If you buy more coverage than you need, you’ll spend more than you need to. And as to knowing what you can afford, you can’t spend money that you don’t have.
Under the Affordable Care Act, every individual health insurance plan must cover 10 essential health benefits. These benefits are:
- Outpatient care (doesn’t require admission to a hospital)
- Emergency room visits
- Inpatient care in a hospital
- Care before and after your baby is born
- Mental health and substance use disorder services
- Prescription drugs
- Services/devices to help you recover from an injury or deal with a disability or chronic condition (including physical and occupational therapy)
- Lab tests
- Preventive services
- Dental care and vision care for kids
While that might seem like a pretty comprehensive list, different health insurers can vary on exactly how they cover these benefits. Think through any specific needs you might have.
- Go to Healthcare.gov
Perhaps the easiest step of all is to go to the Healthcare.gov websiteand complete an application. It’s easy, that is, if you’re doing so during an open enrollment period (the next one starts on Nov. 1) or if you have a qualifying life change. These life changes include getting married, having a baby, or losing other coverage. The website, by the way, will help you find out if you have had a life change that qualifies.