LEGO Castle Adventure at COSI (Giveaway!)

I’m not sure why, but the last weekend of September is probably the busiest weekend of the entire year. No one in Columbus coordinated their calendars and as a result there were a billion things to do. (That may not be an accurate count of events, but isn’t too far off.)

We had so many activities going on this weekend that we were forced to pick only a few and turn down all other offers. I’m still exhausted as I look around my messy house and wonder when will I have an empty weekend to get any cleaning done?

But one exciting event of the weekend was visiting COSI for the opening of their new LEGO Castle Adventure exhibit. LEGOs? Castles? Science? It was like some of our favorite things came together in one big package for us.

The exhibit features the science of castle building, allowing older kids to practice building virtual castle walls to withstand a catapult, while also having lots of real LEGOs to build and play with. Professionally built LEGO castles and medieval scenes were on display, as well as a giant LEGO dragon and her baby.

There was also a throne room perfect for photos, and a smaller castle to climb with a slide on the other side.

Did I mention Mira was being a ham that day?

They even had a jousting arena, where kids could face off against targets or each other.

Bins of dress up clothing ensured that most of the kids in the exhibit were looking the part as a knight, king or queen. Mira especially liked dressing up and pretending to be a knight, using her pink unicorn shield to protect me from the dragon.

Cordy preferred to stay in the LEGO building area, creating a fortress to hide a small box she built. She said the box was filled with treasures. Very small treasures.

The LEGO Castle Adventure exhibit was a lot of fun, but after half an hour they were ready to see more at COSI. It’s a huge building, filled with different areas to explore, so we spent the next few hours wandering the exhibits.

We shot water at King Neptune in Ocean.

Mira tried to make a phone call in a 1962 phone booth in Progress.

We looked at tasty works of art, all created from Jelly Belly jelly beans.

And they hammed it up in front of a green screen in the WOSU studio.

It’s easy to spend most of a day at COSI, and we didn’t even have time to check out a movie in their Extreme Screen theater.

Giveaway!

Want to check out the LEGO Castle Adventure and COSI for yourself? I have a four pack of general admission passes, along with four Extreme Screen passes, to give to one lucky reader!

Obviously this is more convenient for readers local to the area, but if you’re planning a family trip to Columbus at any point this year (hey, why not?), these passes are good through the end of the year.

To enter the giveaway, just leave a comment below telling me what part of COSI you would most like to explore with your kids. That’s it, easy-peasy. One entry per person. I’ll accept entries until end of the day on Monday, October 8, then select one winner at random. Please make sure I have a way to contact you if you’re the winner.

Good luck!

Full disclosure: the kids and I received a free one-day admission to COSI and COSI provided the giveaway passes. All opinions are my own.



Health Insurance Hoop Jumping

I was thrilled to find out earlier this week that a health insurance claim that had been pending for nearly a year was finally being processed.

Yes, eleven months and a week to process one claim. Crazy, right?

The claim was for a test I had done last October after my doctor was concerned with some odd symptoms I had recently experienced. She recommended an abdominal ultrasound to rule out ovarian cancer. (Spoiler: everything was normal, other than a slightly out-of-position ovary. Yay!) Trusting my doctor, of course I had the test done.

At that time we had only recently obtained health insurance. Since we were uninsured before that, we had a one year waiting period for any “pre-existing conditions” and when we signed up for insurance had to provide the names of any health provider we had visited in the last year so they could obtain our medical records to determine what pre-existing conditions we might have.

Since I had never experienced anything like this before, I wasn’t too worried. Our insurance sent a letter shortly after the test stating they needed me to sign another permission slip to obtain my records before they could process the claim. I authorized all of it again and considered it done.

Then I began getting letters from the outpatient center at the hospital where I had the test done, asking me to follow up with my insurance because the claim still hadn’t been settled. When I checked with my insurance, they told me they were waiting on my records from a grocery store clinic where I was treated for strep throat once. I again authorized them to send another request for my records, and also pointed out that these grocery store clinics couldn’t diagnose anything that would be relevant to the test I had done.

This entire scenario repeated two more times. Maybe three. I lost count.

Over the summer, I then received a bill from the hospital, telling me they had received three denials from insurance due to missing information and so would start the billing clock against me. I owed $2,097 for an ultrasound, and please pay within 30 days.

A flurry of calls to the insurance company started again, asking why this still hasn’t been processed. They told me they were still waiting on my records from my strep throat visit before they could declare that I wasn’t trying to get coverage for a pre-existing condition. I was so upset at this point. What did I have to hide? I signed away all of my rights so the insurance company could dig up any medical info on me that they wanted to – how was it my fault that the clinic wasn’t complying with their request?

I was angry and scared at this point. Angry that the processing of a claim could be held up due to a strep throat visit and angry that I even had to deal with a pre-existing conditions clause when we pay a large premium every month just to then have a $1000 deductible per person. (Well, it was $1000. It’s $2500 now.) And I was scared that the insurance company would continue to hold up the process and refuse to pay, which would leave us in the position of accepting the entire bill or possibly going into collections and hurting our credit score while we continued to wait.

The customer service reps at the insurance company were very understanding, I will admit. They agreed it was ridiculous and wanted to help however they could. Finally, last month one rep looked through the history of this claim and said, “You know what? I’m going to send this on to claims processing again, and I’ll put a note on it pointing out that the grocery clinic can only handle minor illnesses anyway. Let’s see if we can get them to forget this and get it processed.”

It took nearly a month, but then I looked at my online account and saw it had FINALLY been processed.

It’s not a perfect happy ending, of course. Insurance declared that the “allowable” part of the bill was only $964.62 and so that became the new total. Of that total, they paid $111.78 and left me with a bill for $852.84, the remainder of my deductible from that year. We’ll still have to set up payments with the hospital for that amount, but at least it isn’t as bad as $2,097.

What really drives me crazy is the new bill after the insurance processed it. Because I had insurance, the hospital is accepting $964.62 as the total bill for the procedure. But had I not been insured, I would have been responsible for more than twice that amount.

So those unable to get insurance are not only afraid of ever getting sick or hurt because they have no safety net in place to help cover those bills, but when they do need care they’re hit with a bill that is much larger than what the provider will get from someone with insurance.

I’m so glad that my tests were normal. I can’t imagine how much worse this would be had I been sick and needed treatment, all while trying to fight for coverage. And that’s WITH insurance. My experience is completely how the old system works – the Affordable Care Act (aka “Obamacare”) provisions that relate to this story have yet to go into effect, although I can’t wait until they do. Our daughters are already seeing the benefits from it, and I’m looking forward to those same benefits and protections.

I know there are good people who do good work at health insurance companies. But I still believe that a health insurance company cannot provide effective medical coverage of their members when they have profits to make each year and shareholders to please. It’s an unpopular belief to many, but I don’t believe health insurance should be a for-profit industry.

While I’d prefer universal health care, I’m willing to accept the idea of private, universally non-profit health insurance companies, where any profits beyond operating costs are rolled back into health education and research, programs providing new ways to encourage preventative care, decreased premiums and incentives for proper maintenance of health conditions. (This would be the nurse in me speaking.)

I know health care is a hot button topic during this election year, but I believe it’s far more than a talking point. Whether you’re a fan of the Affordable Care Act or not, I think we can all agree the old system is not effective and needs reform. I’m not 100% happy with the new system being rolled out, but I’m ready to give it a chance over dealing with the current one.



Birthday Weekend Extravaganza

I probably should have written a post on Friday, but I was still too in shock over the realization that I was now the mother of an eight year old. Cordy’s birthday was Friday and I spent the early morning just staring at her and wondering where all of the time went.

You mean she’s not a baby anymore?

Eight feels so much more grown up than seven. She’s crossing that threshold into big kid now (I can’t even think of the word tween yet) which is both exciting and frightening. Cordy gained so many new skills in the past year and pushes for more independence, but at the same time she’s still so very innocent and unsure of the world.

We didn’t have an official party for her this year. She doesn’t really like parties. Besides, we had a big reunion of friends to attend on Saturday – including several kids she’s friends with – so we were happy to combine occasions and just bring a cake with us to the gathering. Then on Sunday we had family visiting, so Cordy had the chance to celebrate her birthday with them, too.

Instead of one day of celebrating, it turned into a weekend-long birthday extravaganza.

On Friday, after she received a few presents from us, we took her out to dinner at her favorite restaurant with her uncle and aunt. As we sat down and the server handed us menus, Cordy got her attention and brightly exclaimed, “Hi, it’s my birthday today, but please don’t sing to me!” She has never liked people singing to her – it’s a sensory issue she’s had since she was young. Singing to her usually results in her hiding under a table for awhile.

Thankfully, the server understood, and when the meal was done she quietly slipped Cordy a hot fudge sundae and a balloon with no crowd of servers to sing at her. And so dinner ended with everyone happy and Cordy still in her seat and not under the table.

On Saturday we made the drive up to northern Ohio to spend the day with friends. The house we go to is just outside of a small town, with lots of backyard to run and play in. What started as a semi-warm, sunny day quickly turned into rain for over an hour. After it stopped, the kids quickly ran outside again, ignoring the drop in temperature. (How do their small bodies keep from freezing?) It wasn’t long before we were all being ordered by the kids to come outside and see the amazing sky.

The kids were right:

You could see both ends of the rainbow.

Completely unedited photos shot with my iPhone.

As we marveled at the most beautiful rainbow I’ve ever seen, Cordy ran to me and said, “Look, mommy! The sky gave me a rainbow for my birthday! That’s such a nice gift!” She was right, it was a lovely gift.

On Sunday the festivities continued. Aaron took Cordy and Mira to Chuck E Cheese for an early lunch (another request from Cordy) while I straightened up the house. They came home just as family arrived to spend time with Cordy, and different family members cycled through as the day went on.

As much as she wanted her birthday to last forever, Cordy was also showing signs of overload by mid-day. She spent much of the late afternoon in the dining room working in one of her new workbooks while everyone else was in the living room, and later went to her room to be alone for a bit. I was able to coax her back down before dinner, though.

By 8:30pm, the house was finally quiet again. And I was exhausted. I’m still exhausted. It was great to see friends and family this weekend, but I’m looking forward to spending much of the next few days working by myself.

But Cordy had a great birthday, and that’s what matters the most. Happy birthday to the warrior princess!



I Am Not An Island (And Neither Are You)

I’ve tried to avoid writing all week about the Mitt Romney secret tapes where he essentially stated that nearly half of this country are freeloader victims looking for nothing but a handout. I’ve been engrossed in reading the stories of others, how they represent the 47%, how they have had to rely on assistance at some point or another in their lives, and how it has helped them reach a better place.

I guess this is as good a time as ever for one more story.

There are no tales of being on assistance when I was growing up. We didn’t have much, but my mom worked extremely hard for every penny and we got by. There were some very slim moments, but she was always fully employed and her employer provided very good health insurance for us.

I went to college with the assistance of federal loans and grants, in addition to scholarships I had earned for an excellent academic record and an allowance each year of money that my family had saved for my college education. I needed all of it, and even then I still worked all the way through college to afford a few of the beyond basic items, like a night at the movies or dinner out with friends. Without the federal grants and loans, which covered more than half of the costs of my in-state public school education (go Miami!), I would never have been able to fully afford my college degree.

After college I worked continuously until Mira was born. (That’s nine years from when I graduated college, for reference.) At that point, Aaron had a good job and benefits, and I was making a decent part-time freelance income as a blogger, so I quit my day job to focus on Mira, and on attending nursing school.

And then the summer of 2008 hit, and Aaron was laid off.

Of course, he applied for unemployment. Each of us had worked for most of 13 years at that point, paying our taxes with each paycheck. We couldn’t feel too bad about using the unemployment insurance we had paid into for so many years.

It wasn’t a lot of money, though, and our emergency savings soon ran as dry as the job prospects. We didn’t want to apply for more help, but we had no choice. Our children needed health insurance. We needed food, but also needed money to keep our house and not fall behind on bill payments. We were sinking fast.

And so we applied for food stamps, WIC and Medicaid. There may be several stories out there about people abusing the system and getting benefits they don’t quality for. From our experience, I’d call most of them myths. Never before have we had to produce so much documentation for our situation and jump through so many hoops.

In some ways, we felt glad that the system was set up to make sure it wasn’t grossly abused. On the other hand, it was tremendously difficult to get approved. We were held up several times for missing paperwork, or not enough documentation, or because we were required to visit the office in person, with the children, and wait in a crowded waiting room, to even have a chance at being considered. How much harder would it have been if we were poorer to begin with, without a car or without all of our income documentation?

Aaron’s unemployment and my small part-time blogging income disqualified the entire family for Medicaid, but we still made little enough for only the kids to be covered. The food stamps and WIC covered a large part of our monthly grocery bill, freeing up what little money we had to pay for our mortgage. We made about $1200 a month with Aaron’s unemployment and my freelance income. Our mortgage was $1100 a month.

If it wasn’t for that help, we would have lost everything: our house, our cars, our dignity, our hope. It would have been hard to get a new job with no permanent address or transportation to make it to the interview. Instead, we found ourselves in the safety net provided by our government, dangerously close to the pit beneath us, and looking for a way to climb up and out.

No one wants to stay in that position. Before that, we had been living a semi-secure middle-class life (I’d call it lower middle-class, honestly), and we only wanted to return to that life. And it’s no surprise that for two years, our income was low enough that we paid nothing in income taxes. We were the 47% – we made too little to pay taxes, and we needed government support services to keep our family fed, healthy, and keep the house we were so proud to buy back in 2004.

Did we feel “entitled” to all of this? We didn’t want to be in the position to accept help, but we took it. And I can’t speak for Aaron, but yes, I did feel that I deserved help from my government, just as our taxes in years before were used to help others get back on their feet. I believe that a just and humane government looks out for all of its people, so that no one goes without basic necessities of food, shelter, and health care.

Of course, many of you know the next chapter of this story. The job market did improve, slowly, in 2009 and 2010, and Aaron and I both found jobs again. The first minute we could, we called the agencies and told them we no longer needed assistance. It felt great to do so. We had a hefty income tax bill last year, and we’ll have a smaller bill this year with our employment status changes. I guess that means we’re no longer in the 47% at the moment, but we’re also the exact same people who once were a part of it. Do we deserve to be treated differently because of our income now?

We – like many – didn’t want to be on assistance. It was barely enough to get by and we certainly didn’t live well during those times. The prejudices of strangers also made the emotional stress of a job loss even more difficult.

I will forever remember how I felt standing in the checkout line at Kroger, Cordy by my side and Mira (just a toddler) sitting in the cart, as I grouped the items on the belt to match up with my WIC checks. I was still carrying a little extra weight around the middle at the time, and I remember one older lady in line behind me talking to her friend – loudly enough that I could hear – saying how shameful it was that I was on assistance and had the nerve to have another child while on assistance, too.

Beyond being pissed off that she thought I was pregnant, I was so angry and embarrassed by her judgment of me, when she knew nothing about me or my family’s situation. Because my husband’s government job had been eliminated, and we needed help to cover the basics until he could find another job, we were suddenly a target for shaming, an acceptable demographic to judge and look down on.

I once held my own prejudices about people living off the system, too “lazy” to make an effort to better themselves. Our experience, as well as the experience of so many people that I met when I worked as a nurse, has changed much of my opinion.

The problem isn’t the system, the problem is being off the system. It’s hard to consider taking a job that will pay just enough to remove that safety net from under you, but will still pay so little that you end up being even closer to losing it all. It’s hard to apply for jobs and be told you’re not being considered because you have a college degree and therefore are overqualified, no matter how much you assure them you’re committed, you’ll work hard, and you need the job to support your family.

None of us are an island. We are part of a society, and one purpose of that society should be to ensure a basic standard for all people in that society and work together towards a greater good. (In fact, the definition of society is “a highly structured system of human organization for large-scale community living that normally furnishes protection, continuity, security, and a national identity for its members.”) We depend on each other, and we help each other. I don’t believe this means that some can’t have more than others, but there needs to be a system in place to provide a minimum standard of living. A line in the sand that declares that this society will work together to ensure no child goes without food, or a safe place to sleep, or lose all they have just because of a layoff or a health crisis. 

Just as in a marriage, it’s never an even 50-50 split. Sometimes you’re contributing, sometimes you’re the one needing the contributions. If you have never needed any help from anyone at all, well, I don’t believe you. Everyone needs help from someone else at some point.

If you’ve never needed government assistance, then be thankful instead of bitter that others have needed that assistance that you – and millions of others – help pay for, and pray that karma never finds a way to humble you. Because if karma finds you on that little tropical island for one that you defend so fiercely, you may find yourself eating your words when you can’t afford food.

Photo credit: Wikimedia Commons



Shark Girl Loses A Tooth

I lost my first tooth when I was five years old. Cordy lost her first tooth at five years old, too. So when Mira turned five, I waited to see when her first baby tooth would start to wiggle.

Mira’s excitement at the idea of losing her first tooth has remained high, too. There are many days when she sticks her finger in her mouth, wiggles it back and forth, and shouts, “Mommy! I have a loose tooth!” Of course, every time I’ve checked, not a single tooth has wiggled, even a little bit. (But I usually agreed with her that it did wiggle a little. Can’t crush her hopes.)

It’s been a few weeks since she mentioned loose teeth, and we’ve been too busy for me to think about it. Last weekend, though, she gave me a wide smile as she worked on making a necklace at a community event, and suddenly my gaze was fixed on her teeth.

I thought I saw a little gap between her itty-bitty teeth. “Mira, did you lose a tooth?” I asked her. Her eyes were instantly huge. She gave me the biggest closed-mouth smile she could, and I noticed there was a bit of a gap on either side of one tooth, but not enough for another tooth to be missing.

“Oh, I guess not,” I sighed. “You’ve got a little bit of space around one of your teeth, though. Maybe it’s wiggly?”

It was then that Mira opened her mouth wide to wiggle her tooth and I saw the reason for the space around that tooth: her adult tooth was already coming in, right behind it.

That would be a very impatient adult tooth right behind her lower baby teeth.

I help this kid nearly every day with brushing her teeth. How could I miss another tooth already coming in? Especially one that’s already made it that far and is the size of two baby teeth?

So after we made all of the Shark Girl jokes (because really? You MUST make shark girl jokes when your child is starting to grow a second row of teeth), it was time to get to work on removing that baby tooth. After all, that big tooth needs room to get in there – behind all of the other teeth isn’t a very useful place to be.

It was very loose, and I told Mira if she could just wiggle it endlessly it would probably fall out that day or the next. So she set to work on it, but after a while it hurt and she stopped. I reassured her it would probably fall out the next day. She was a ball of excitement at the thought of losing her first tooth and getting her first visit from the tooth fairy.

That tooth hung on the next day, though. And the day after. She requested apples to eat, brushed it extra-thoroughly, and did everything she could to get it out without actually pulling it out. By last night it couldn’t even stay in line with the other teeth, but wouldn’t come out, either.

During storytime, I asked her if she wanted me to pull it out. She agreed, and I gave it a few tries. Tiny teeth are hard to hold onto with big fingers, though, and I had no luck. “Mommy, I want it out for school pictures tomorrow!” she insisted.

I had to say goodnight to Cordy, so I told Mira she was welcome to keep trying. As I went into the next room and gave Cordy a hug goodnight, I heard Mira yell, “I did it! Mommy, I pulled the tooth out!”

Sure enough, she did. Just in time for school picture day.

We wrapped the tooth in a tissue and placed it in the pouch for the tooth fairy. She woke up this morning and found two dollars in the pouch from the tooth fairy, clipped with two sparkly hair clips for her to wear for picture day.

She assures me this wasn’t her picture day smile.

Now I can’t decide what to do with the tooth. I’ve kept a couple of Cordy’s teeth, but do I really want to keep collecting teeth? Not to mention, this tooth and I have a bad history going way back to when she was four months old. I have some painful memories from that tooth, and it nearly made me give up breastfeeding when she was a baby.

I’m not going to miss it at all. Although I might mourn her cute, straight-teeth smile as I open the savings fund for her future orthodontics.