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Full Version: September 08 Parents #159
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New thread time ladies

http://www.essentialbaby.com.au/forums/ind...howtopic=774819

trinyweeny
GOLD
melaniejasmin
Silver!!

No people you are all getting the wrong idea! I know the clothes are pink, but I think it doesnt matter what colours they are in when they are babies.. I have no idea whether I am having a girl or boy! just cant go past a bargain wink.gif I certainly wouldnt hold back from telling you all here if I knew!

Now I cant remember what has been going on in the other thread! gosh, it went on though!

Key - I would be fuming too! I hope you can get it all sorted out and that the implanton thingie is the reason for your anemia. good luck today with your transfusion (I think it's today?)

BG - the only mexican food we eat here is tacos! it's not that I dont like mexican, it's just that i never know how to cook it. DH has made nachos once...

Blondie - good luck at the nurse today. I was just thinking today if we should bother going or not. tell me how it went so I can decide!

I MUST get lots of uni stuff done today. I am already a week behind in readings and have to get the assignment under way. painful... I am so not into management theory rolleyes.gif

Tweedy - can you stuff all the things I wanted into a 3 kg post bag? just trying ot think about postage. I'll be in touch this afternoon.

tweedy08
Bronze!
alimumof3
BRONZE

D'OH!

BOOBIES
tweedy08
mel - I have a 3kg post bag here that I have to post of a bunch a stuff to another lady so will see how it all goes. I dont think it should be a problem as clothes that little can be folded up small anyhow. Ill give it a go shortly!. You are right too...when they are tiny it doesnt matter what colour they are wearing as long as they are cosy & warm who cares wink.gif

ali - Just pipped you at the post wink.gif

I have to get stuck into my studies today. Here I was thinking yep im ahead all is good then I go & read im suppose to be half way through 2 chapters ahead of what I am in maths!! So I think by the end of the day im going to be seeing numbers everywhere....lol.

Tilly has been saying a couple of new words over the last day or so. Gone and everytime I change her nappy its always poooooo. Haha. She is getting better with her vocab so I am a little relieved about that.

Chat soon!
cassi8
morning ladies..

Meljas - you had us all fooled! wink.gif sending you study vibes..

Tweedy - you will have so much more space with all those clothes out! Nice work decluttering! original.gif

Blondie - how strange of the CHN. I hope she is still nice to you. I am decideding on whether to take N or not for his 18mth check.

Mexican, you are all making me want it for dinner.. I'm sitting here thinking how I can make it for under 500 cals.. wink.gif

Me.. It doesn't seem to matter how bad I want to sell up and move out, I just can't seem to find the time to pack and clean on top of all the normal chores and even some of those have been neglected! Every weekend there is something on so that wipes out almost entire days and after work its busy enough with getting dinner done and N into bed that by the time its all done we just want to rest.. How on earth do you do it??
tweedy08
Not sure about room atm Cass....lol. Mu house looks like I have 10 little baby girls living here as clothes are all over my sunroom in piles....haha. I am jsut going through all her size one stuff and going to cull stuff that even though it might just fit her now it wont soon so better to get it up & maybe to a new home before I lose the clean out bug wink.gif

Mel - I have sent you a pm on FB as there is just no way we can fit that stuff into a 3kg bag. As I said in the pm ill head to the post office shortly & see what they say is the cheapest option. I remember sending a box of stuff to hubby when he was in Parklea and that didnt cost much more if at all than a 3kg post bag iirc.
cassi8
would you mind sharing that clean out bug Tweedy??
Bel Rowley
Back from the nurse. They have made changes since we last went, now they have a thing for the parent to fill out because apparently we know our children better than the nurse will from a short visit, so basically the point is to tell them if there are any concerns. In some ways this is good but what worries me is that there might be parents out there who are in denial about issues with their children and will not let them know if there is a problem with language, or play, or whatever.

Anyhoo here are the stats:
Weight - 9255g
Height - 81cm
Head - 50.5cm

Once again 5th percentile for weight, just above 50th for height and wayyyy off the chart for head!

Cassi - you're not alone, I can't stay on top of cleaning either, and I am home all week!
cassi8
roll2.gif blondie! love the sig, I almost got a fright when I refreshed the page thinking WTH?? laughing2.gif
Bel Rowley
sorry Cassi! It's not her best look but I like it.
trinyweeny
Blondie - roll2.gif at the sig. How funny!!! roll2.gif Claudia has officially overtaken miss J on weight.

Tweedy - Will be keeping an eye out for those size 1 clothes.

Cassi - I don't know. I am not looking forward to having to pack this place up and move. But then again moving will mean that everything will actually have a place and there will be less clutter. I guess when you are motivated do as much as possible. Maybe set a couple of tasks to be completed each week.
cassi8
aww blondie, I love it! its very cute.. just not what I expected when I refreshed the page! original.gif
bellygood
Blondie C obviously needs a big melon for storing words and developing new ones, such as GWOSE! Ivy loves glasses, goggles too... strange, the things that fascinate them!
alimumof3
hi girls,

mothers group was good today, it was another party seeings they are all turning 3.
quite hot here today, think 35 so i felt a bit off outside. home now though and kids in bed but neither are asleep yet.

seepi does your baby move much? or do you notice it? i'm just wondering whether i dont notice this one moving as much cos i'm busy. i mean it does move but no massive take my breath away kicks. but i guess i'm only 27wks. can't remember when those massive ones come.

blondie cute sig! love the googles look.

cassi i can't keep on top of my housework and i'm here all week. can't imagine packing up and moving. when we were going to sell last March somehow, and i have no idea how, but we kept the house tidy for drop in inspections. how i did that with two kids i dont know. there is no way i could do it now with two running mess making kiddies.
cassi8
Glad to hear MG was good Ali. Big kicks didn't happen for me until after 30 weeks..
I am tempted to take a week off so I will have 3 days at home alone to get things done..

I have a work function this afternoon, snacks and drinks provided. Wonder how I will go not touching the snacks..
key4
Cassi - Good luck at the function this afternoon - hope all the snacks are yucky! And moving is awful I hate doing it. The pressure of trying to keep a house clean and tidy or inspections is just terrible too.

Blondie - Cute Sig Claudia is doing really well with her stats.

Sharon - Hope the time starts to fly by soon by Wednesday next week you are half way to the end!

I got the implant out yesterday after much trouble I was almost needing to go to theatre to have it done under GA as after 1.5 hours of poking proding and pulling it was not shifting it had burrowed into the tissues and muscles surrounding. I have numerous stiches in the arm the bleeding has just stopped gushing now after about 14 hours, but they gave me moutains of dressings to get me thru I have used quite a few so far.

I have had an ultrasound of the uterus and there is next to no lining left - so highly likely it was the cause of the miscarriage as the embryo could not embed in anything. So I now have to take oestrogen tablets twice a day for the next 6 weeks to build that up again. We are unsure if this was the implant placed in when I had Niamh or the first one 10 years again as it was looking pretty ordinary when it was removed had started to break and looked brown rather than white.

I am a bit weepy today as I have endured the dentist today as well! 2 big fillings today and more in 2 weeks sad.gif Now my Face, Mouth, arm and hand are sore!

Oh well on the bright side maybe I can have more normal cycles from now on!

Sorry be back later I am experiencing massive headaches from the amount of Lignocaine that has been used on me in the last 3 days! I had 20ml used last night alone in my arm!

Bel Rowley
Phew! We were invited to a MG friend's house for a play, it is so humid this afternoon I am dying after that walk plus the walk home from the MCHN.

Key - how scary to think that implant might've been in there the whole time since before Niamh! You poor thing dealing with that and the dentist today. I hope DH will be taking over kidlet duty tonight so you can have a good long rest.
alimumof3
OMG key that is so awful. you poor thing. I cannot believe that it could be the implant from ten years ago! that is disgusting. surely the implant would have a serial number/code on it to trace it? normally when anything is put in the body (plates, screws, silicone implants etc) it has to be recorded with a number. well this is how its worked wehn i worked in theater.
ellangel
my gosh Key. You are so brave ...had me cringing at the thought of all that. Hope you get to rest that arm tonight and also your mouth. Man, pick on KEY day! Make that WEEK!

I had a whirlwind day, rushing around doing as much as I could while my parents were here. My dad mowed and mum played with Holli.
I got my haircut, went to bank, postoffice, op shop ,library, got petrol...and girls easter eggs! Having LOTS of chocolate this year!!!


Felt so damn good to be fffffrrrrreeeeee!
BBL....

LOVE the siggy Blondie! Classic
key4
Sharon - Sounds like you had a great day you must feel so good for getting all that done.

Ali - I am sure there would have been some identifier on there, but I let them throw it in the bin. One of the people I work with told me that I should contact a lawyer but I thought about it and the problem being fixed is all that I want is to get better. I think I decided at this point it doesn't matter to me who made the mistake as everything that has happened will not change if I can pin blame. I also don't want to know if it was the ob who made the mistake, she has given me two beautiful healthy kids so I don't want to think poorly of her.

tweedy08
Just a quick note to let you all know that some size 1 pics are about to go up on FB now wink.gif

You will see them upload into the newstream im sure wink.gif
ellangel
where Cath? Where? LOL
tweedy08
check now wink.gif
ellangel
hahah...few items I think I might get. Cant concentrate right now though.
You should of put more on the espirit and p patch things!
tweedy08
I did a slight price change on the pp jumpsuit & added in some info on the esprite shirt as there is some pants I didnt realise went with it...lol.

BBs have to go get this baby organised....she was suppose to be in bed an hour ago!

For all you pregnant ladies I have also loaded a couple of maternity clothes. Still to add a pair of maternity jeans (B2B I think size 12?)

Anyways chat soon!

Cath
alimumof3
FAir enough key. part of me would be "i want to sue the ba$%^rds" but i can see what you're saying. Your health and getting back to being normal would be priority. I can also see what you're saying re your OB.

sounds likes you had a busy day Sharon!
ellangel
Just won a great trundle bed with drawers for DD1 off ebay! ddance.gif
cassi8
morning... must be quick I think N is awake and I want to duck out to Target this morning wink.gif

Key - What an ordeal! I'm mad.gif for you. I hope you are feeling a little less sore this morning and you are able to enjoy a nice weekend with your family!

Sharon - nice work on the bed how much did you get it for? Gotta love a bargain, hence me off to target this morning.. wink.gif What a busy day you had yesterday, productive and time to yourself. I think I might suck it up and send N off to someones house so DH and I can get some cleaning and packing done one Sunday.

Tweedy - I hope you are able to clear out all those clothes! Looks like there is a bit of interest already!

N decided it was party time at 2am this morning, my fault though. He fell asleep in the car on the way home yesterday so I popped him into bed so he was just hungry after missing dinner. I gave him a cup of milk and he was quiet in our bed for a while but then started to want to jump so DH took him, no idea what happened after that. He was in his bed asleep when I got up this morning.
I'm looking forward to weighing in on Monday, I can feel that I have lost. Pants are looser I feel like I have droopy undies at the back biggrin.gif Its still hard work though, I went to bed at 9 last night because I was craving choc baaad and figured if I was in bed I couldn't eat it.. Today is a new day though so I soldier on! original.gif
Bel Rowley
Key I hope you are able to move on and let yourself heal now you have that darn thing out.

Ellangel - well done on your purchase! I'm taking a little Ebay break for now. I think I have enough winter clothes for Claudia for a little while, I'm sure I'll be tempted to buy again in a couple of months so need to take it slowly.

Cassi - what are you shopping for at Target? I'll be excited to hear your weight loss details on Monday. I hate the feeling of going to bed craving something. I felt really sick from about 4-9 last night and hardly ate any dinner, but was then craving a Hungry Jacks burger when I went to bed. It was those darn ads for the new Alfresco Whopper, they look good!

OK I need to go have a shower. Claudia came to bed at 5 his morning and decided to sleep top to tail so I got regular kicks in the head. Nice.
bellygood
Yeah Cassi what's at Target? Great news on the diet - can't weight to hear your 'numbers'. Ivy let out a blood curdling scream at 3am but settled after 10 boring minutes on the couch cuddling. No excitement anymore, just cuddles in the dark to resettle her. I found if I brought her to bed it became a 3am party complete with kicking, jibber jabber and poking my eyes. She let out another yelp at 4am but did not wake, must have been dreaming?

Ellangel step away from the keyboard! Does DH know you are eBaying while he is out of town? While the cat's away, the mice will play... bed sounds good though. Speaking of beds, who has their tiny tacker in a 'big bed' yet? (apart from KM - I remember her photos of Tilly in bed).

Blondiebear all the burgers look good on TV... thanks to brown paint, steam machines, varnish etc... you know, in real life it probably looks like a dog turd. That's what I find (of McDs) at least. Hungry Jacks is much nicer - it's true, the burgers are better at HJs...

DH home today so I've got a bit of free time up my sleeve. Remember my post about being dumped by our 'building designer' (what we really need is a draftsman but this bloke conveniently ignored that we'd done all the creative aspects ourselves). Well, found one through the family and friends network, $1500 for drawings opposed to $3500. Even all the add on fees - engineer etc. - are a few hundred bob cheaper. So I feel like we earned $2k yesterday! Might tell the Italian Stallion that next time I see him (our first designer was this totally disinterested gen Y Italian fella, I know some of his family, very nice, but he put me off side right from the get go).
cassi8
1000 thread count sheets are half price and a few other house items, storage containers, flanny sheets for N and whatever else I can find that I need/want.. wink.gif Need curtains for the bedroom once the curtain rail goes up so if they are cheap and the right colour I will get them too.
ellangel
QUOTE
Ellangel step away from the keyboard
LOL Bellyg! NO, Dh does not know...it had not sold yet when he rang last night, so I didnt even mention I was bidding on it.
He will know when he checks his emails though, as all ebay notification goes to him!
Got it for $300 and its only 3 years old. & they are delievering.

No, not going into a bed anytime soon for Miss Holli. Ella was 2 in the April and did not move her till the August after.

I am sooo thankful my kids sleep all night long.

Gotta go. x
Bel Rowley
Ooh Cassi I was tempted by those 1000 thread count sheets too but we really don't need any so will stay away.

Bellygood I'm with you 100% on McD's v HJ's. A month or so ago when we had a Macca's playdate I tried one of their breakfast deluxe rolls or whatever it's called, it was horrible. Bread was stale and fillings nothing special. I also tried their Angus burger even after your advice that it was no good, and like you I was disappointed. Might take a drive to HJ's after mothers group today I think...
laraq75
Hi girls,

Sorry I haven't been around. I have been reading but have not had much to say which is strange for me because in real life I always have something to say. original.gif

Key - I really hope things improve for you and that you start feeling better soon.

Cassi - have fun shopping at target. I was looking at those packs of photo frames in the catalogue.

BG - big bed is a long way away for us. Unelss of course i get pregnant and then Angus will go into a big bed. But that probably won't be for a while,

Sharon - I wish I had the confidence you did on ebay. You sound like you get some great bargains. I am heading your way again at the end of this year and I really hope we will be able to catch up this time. It will be easier because I will be child free and staying in your suburb. Does Ella go to the school starting with C in your area?

Blondie - love the new sig

We have been seeing a chiro for Angus to see if we can help him with all his ear infections and also his foot was dragging a bit when he was trying to walk and I think it could be working. He is now walking a lot more and seems more confident. His legs were out by 1cm. Pretty scarey really.

hugs to everybody else


Lara
Bel Rowley
Forgot to comment on beds - we have a Kingparrot that will convert to a toddler bed, we are probably going to get another one for the new baby. In no hurry to take the sides down for Claudia, she's not trying to climb out yet which I gather is a sign that it's time to have them out of a cot.

Lara - I was wondering where you'd been. That is amazing Angus's legs were so far out, is it something the chiro can treat?
laraq75
Blondie - from going on Tuesday and then going back on Thursday his legs were much better. I am a bit of a sceptic but this chiro has beenn highly recommended to help with lots of things so I am sticking with it for now.
melaniejasmin
morning,

Lara - great news about the Chiro. I go to the Chiro myself, and it's been great.. though now i seem to go all the time! I've heard that it is great for babies too.

bed - we havent taken the cot side down, though I might think about doing that on the weekend. It's probably time. we have an Ikea cot that converts to a junior bed, and like Blondie will probably by Alexander a bigger bed. But that doesnt need to be for a while as we have a cradle for the baby.

Ellangel - good work on your ebay win. I really need to get some new winter clothes for A. I might start looking today!


I had a funny night, I woke up at about 12 with DH shaking me.. apparently I was screaming and thrashnig about...! I dont really have any memory of it, but DH was fairly shaken.
Also made a bit of a boo boo this morning, lent our old car to a friend for the weekend (they are going to the mountains) and also put a sign in the car to sell it at the same time. well, someone has already called about the car! so now I am making the friend get back here by 4pm on Sunday ph34r.gif so that I can show the person the car. I hope it sells soon. I may have told her too many things on the phone. DH thinks I did... but I just wanted to be honest... maybe not the best policy when selling a car!



tweedy08
I would rather buy a car knowing everything that needs fixing or will need fixing in the future than some of the lemons we have owned over the years Mel. You will be surprised at how many people will buy just cause you are sincere & honest! Leaves nothing for surprise!!

how are we all today? I have my first real test with my studies so will sit down the evening & do that. Its an open book test with 10-15 multiple choice and a 150-250 word answer for the last one on a random question. Shouldnt be too bad I dont think. Its the first real one ill be graded on so a bit nervous about that!!

I best get back to writing up these possible answers (we get given the 3 questions but dont knowwhich it will be in the test) Once I start though I know that I cant close it till its done otherwise thats it....its a one chance thing sad.gif

BBS this little ratbag this morning has taken off her nappy since she didnt want to wear the one I put on her & has now took a bite out of 3 apples!! She is a terror. I said to hubby the other night if she is like this I dread the terrible 2s.....he said we might be luck cause we got the terrible 1.6s......ROFL

Oh have uploaded a couple of tops on FB as well. If anyone without FB is interested in looking let me know & ill send you the public address you can use wink.gif there is maternity as well as a couple of normal tops and my beloved overalls that I loved so much when pregnant. YEs I am going to part with them.
bellygood
Girls just a quick question, bit of a spin off from another thread really:WDYT about getting just extras cover, not hospy cover? We live in a regional area, no real choice of hospies/docs, no real urge to go shopping around for docs, so hospy cover doesn't make much sense. But I want dental! Think we could get it for about $60/mth (family cover). WDYT? We pay the 1% surcharge... and will still pay that with extras cover... apparently you need hospy cover to avoid that but I think basic hospy cover is about $150/mth and doesn't seem to cover anything, so might just stick with the surcharge. Anyone else in the same boat?

melaniejasmin
BG - re health insurance - I have extras cover just for myself and mostly because I am having a new implant this year. check the policy! I had a very good policy and they have jsut changed it so that I dont get as much back. My problem is that the dental is now lumped with the chiro and physio etc and you can get a maximum rebate of $300 per year! this is for implants and major dental. for regular visits to the dentist (check ups etc) I get up to $1000, but that's not the dental I need! I'm with Medibank private. I am going ot look into changing policies but not sure if I can. anyway apart from that here is a rough estimate of what I got back last year - I spent about $1500 on dental (root canal and beginning of tooth implant) and I got a total of $284 back from the health fund....! not really worth it IMHO. I paid $405 in health insurance just for extras. I also used it for Chiro and got the max benefit. so overall I did get a little more than I paid in, but not much and not really worth it if you are just going ot use it for dental as not sure if you will get a lot out of it (plus there is a 12 month wait on all dental - for all health funds).

OK, BBL I have to get some work done!
ellangel
Bellyg - DH has extras but not the rest of us. Is only about $35 per month. He is able to claim dental, eye specialists, massages and the the weight loss centre he attended for 12 months. Going to cancel it soon though as he is not claiming much. Yes, a great idea. We have a hospital cover for all.
Bel Rowley
Bellygood we have hospital cover but not extras so obviously I would vote no! From what I've seen I don't think extras is that good value, it seems like we would still be so out of pocket for just about anything we wouldn't save much money from having the extras. If it fully covered dental work I would be all for it. If it's $60/month, that's $720 per year, so the question is would you pay more than that for dental work if you didn't have it?

Melanie - good on you being honest about the car, fingers crossed it will sell anyway. Funny about the thrashing and screaming in the night, I did that a bit when I was pregnant with Claudia apparently.

Tweedy - good luck with the test! Having an open book one to start with is great.

I had mothers group today and once again was so hard not to tell them I am pregnant, we keep discussing pregnancy related things because of the woman expecting twins soon, and I almost let it slip about 5 times. I also strongly suspect my good friend whose daughter was born the same day as Claudia is pregnant, and I'm just waiting for her announcement! Even though I told her when I had the m/c that I want to know when she's pg and will be excited I think she's keeping it under wraps. Will be so funny if we end up due at the same time again.
tweedy08
We were looking into getting PHI for dental for the family BUT there is a catch....with major dental you only get a lifetime cover of up to $2000 & that is with all funds. Some are less. So basically once they have rebated you up t that amount, thats it. There is no more dental cover for you. That is per person but still if you factor in say your teen needs braces...it could all be used up right there. We decided that it would be better to just save & pay cash for anything like that now since its just not worth it.
ellangel
Yes like Blondie said, you have to weigh it all up. Good for people using these extra things on a regular basis. Going each week to see dieticians etc cost us over $5000 so was worth getting the extras for DH and claiming some back each time.

Melanie - I would be like you...brutally honest about the car, but maybe tell them minimal things till you get them to view it!
Oh nightmares and sleeping is so vivid when pregnant. Wonder what you were dreaming about? Scary for DH.

I am dreading the weekend. We have nothing planned and if we go out, we will see all the lovely couples playing 'happy families'. Thank the dear lord my kids sleep all night, or I would be soooo tired to do it all again the next day.
You are very game Meljas, taking the side off the cot. I was never really a fan of the toddler bed. They just thrash about too much and there is not much room in them.

Wonder where Ali is today? Maybe she will be in later?

The bed has been dropped off already! Cool. Have called BIL over to help put it together.

Lara - nope, Ella goes to school starting with O. My suburb! LOL. Yes, you have to come over for a cuppa! Or we can meet at a coffee shop.
Sorry to hear about Angus's legs being out of balance. Hope the chiro can fix it and it something that simple.
key4
Sharon that was a great price on the bed original.gif And to have it delivered too saves so much hassle for you that was a really great deal. Even if you are needing the bed straight away it will not be long so good idea original.gif

Cassi - You are doing great, clothes are the best indicator of weight loss. I bet you will look like a super model in a few weeks original.gif

Blondie - I don't really enjoy HJ or McD's either but HJ's is the lesser of the 2 evils! And yes the reason that I don't want to persue legal proceedings is that I want to put this behind move forward and heal. Emotionally knowing that is was there has made things easier as it was not my fault now as I had it removed there was no reason to believe it was still there. I know that you are told miscarriages aren't your fault but you can't help blame yourself was it the Nurofen you took for the headache or the few glasses of wine etc.

Tweedy - Good on you for getting the work done. I am sitting in a pigsty at the moment as due to all the medical and dental appointments this week I have barely been home, but I have decided to work on the assignment instead of cleaning!

Meljas - I like to be honest about the car as well as I would hate someone to knowingly sell me with something wrong so I would not do it to someone else. Hope the car sells quickly.

Belly - We have the hospital cover as it works out to be a similar amount to the medicare surcharge ( we joined when we were 25 so don't have age loading) and gives us the benefit of private hospital cover which I have been very very greatful for over the last few months! I inquired about the extras but it would not save us much as the claim limits are so low. I would reccommend only ambulance cover in WA that is about $60 a year for a family.

Lara - Hope the Chiro can help with the legs I have heard some wonderful stories about them.

I have a Grose story to beat blondies of the other day. My bad bad son is in big trouble he was throwing dog poo over the fence this morning and it landed in the neighbours pool. We went over and had to wake them up to try and fish it out but could not get it so we are going to offer to have a professional pool cleaner come over and clean the pool for them. HOW EMBARRASSING!!!

He is lucky that he did not have one peep at vaccinations today!
cassi8
I've been a good mummy, just made a heap of Risotto for N to pack away for dinners. I hope he likes it..

I couldn't get the sheets, didn't have any that suited, some didn't have flat sheets and the rest were King. I did get some flanny sheets for N and $12 a set and a set of pyrex pudding bowls cheap.

PHI - we are on full cover ATM and it has been useful with N is hossy twice preg and DHs ambo call out a few weeks ago. I don't know that we have gotten our moneys worth out of it but has sure been beneficial. We are a bit bad with the extras though, We don't find time to get to the dentist very often ph34r.gif

Off to have my shake..
Bel Rowley
Ooh key that is gwose!

Bummer about the sheets cassi, I guess they were very popular at that cheap price.

Ellangel - great news that the bed arrived so quickly.

I think based on what everyone has said here I am glad we haven't bothered paying for extras! PHI is so expensive, premiums are just about to go up again and I notice on the letter they sent we will no longer have renal dialysis or accidental death coverage even though we are paying more! Fingers crossed we won't need either, but still it sucks that we're getting less for our money. DH is already talking about cutting back our PHI once we are done having babies and won't need obstetrics. He would love to get rid of it altogether but as I've told him we have no guarantee that we will be healthy forever or that our kids will be healthy, who knows what could go wrong.
key4
Blondie - we have the renal dialysis exclusion note on our letter but it only applies to us if the policy was taken out after 2006 so we are still allowed the dialysis I hope I never have to take them up on that though!

From working in a hospital setting I would highly reccommend should you ever be unfortunate enough to need that you go public anyway as you are seen by the same Dr's Nurses and sit in the same chair! Our local hospital is a private hospital who contracts beds to the state health dept so you have the choice to be admitted as public or private and basically the only difference is if you get a shared or private room and a bill!
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