So I had a feeling she was cheating as she set off a lot of red flags. Constantly laughing and smiling when texting, saying it was just her mother when I asked. Needing to stay late every night after work. When I’d call in her co-workers said she left hours ago. When I asked her what was going on she’d laugh it off and say it was just something they did to each other at the office all the time.
The last straw to where I knew something was definitely up was when she went out “to get milk” at 11:30 at night and didn’t come back till 2 in the morning. Now if there is any words of wisdom I can pass on to others in all my years of experience, it’s if you think your significant other is cheating, hire a private investigator. They’re good at what they do and they will get some evidence that really helps in the later divorce.
Fast track to her birthday, several months down the road. Now I know what you’re thinking, why the hell did I wait months before I confronted her and did it really need to be on her birthday? The answer to the first question is I wanted as much evidence as possible to hand off to my lawyer as well as make arrangements to find a new place to live, etc. Answer to your second question is of course it had to be on her birthday. You see after asking her what she wanted to do on her birthday this year she was rather insisted on me going out of town with my friends as she just had to work anyways and didn’t want to be reminded she was aging.
So I know something is up and after finding a bottle of champagne and two glasses hidden in my closest something in me snaps. So I do what any sensible man would have done. I leave and go to my friends house pretending like I am going out of town. While there I call up her mother, father, sister and several of her friends. I tell them how I want to give her a big surprise by sneaking into her room with party streamers, kazoos and a big cake with candles. Sounds fun right?! Well boy was it.
Its 8:30 in the morning and I have everyone meet just outside our apartment. We all pile in the elevator (about 8 of us in total), her mother holding the cake and me reminding everyone to be as quiet as they can be. I put my key in and unlock the door, we all sneak in and make our way down the hall towards the bedroom. Each holding a kazoo and her Mom holding the cake grinning from ear to ear.
Well as I throw open the door, we all yell surprise!
But the surprise was on us and there was my wife, butt naked with her lover staring at us wide eyed. Mom drops the cake, sister screams, father begins to shout. I pretend like I’m horrified to which her friends try to push everyone out while yelling at her. Wife, excuse me, ex-wife is sobbing and screaming how could I while the lover is desperately trying to put his pants on while running out of the place. Needless to say, it was one of the best birthday presents I have ever given.
- 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.