I know when my kid brings home a note I’m instantly worried. The first thing I suspect is that it has to be a note bearing bad news — usually a teacher telling me he’s been in trouble.
Maybe that’s just me, but when siblings Annaliese and Jorge came home one day with a letter in their backpack, their parents were pretty surprised and didn’t know what to expect.
It turns out it was a letter from the bus driver who drives their kids to school every day — but this was not a letter of complaint or a warning of any kind.
Quite the contrary.
Since bus driver Cindy Clausen drives all the local kids to school, she sees everything that goes on every morning and afternoon. If anyone knows which kids are naughty and which kids are nice — it’s her.
She recently noticed how the siblings showed love and compassion to a disabled boy who was usually alone, excluded and generally having a hard time in school.
The children had played a big part in motivating the boy to feel happy to come to school every day.
Cindy wanted to express how impressed and moved she was by the behaviour of their kids and wanted to praise the parents for doing a fantastic job in raising their children.
And so, she decided to write a letter.
The letter, addressed to parents Jorger Sr. and Leonar, was published on the page Love What Matters — and in the matter of just days, it received thousands of likes and shares.
Here’s what the letter said:
“Dear Jorge and Leonor,
I am compelled to write to tell you how beautiful your children are, inside and out!
This can only come from the home, your patience and guidance, the examples that you set and teach.
I have a child on my bus named Jackson.
Both of your children have shown him much compassion and support.
Every day your children ask if they can sit with Jackson.
Some days Jackson is a little sad getting on the bus but as soon as he sees Annaliese and Jorge he smiles.
Jackson has difficulties walking and it takes a bit for him to get to his seat.
Today Annaliese looked out from around her seat and said, ‘come on Jackson, you can do it’ and when we arrived at school Jorge took it upon himself to carry out his backpack!
I know you know how wonderful your children are, but I wanted you to know that it shows!”
In a world where we quite often read about horrible things, I think it’s important to share beautiful stories like this one.
Please share if you agree!
- 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.