Insurance aggravation

So last week, C and I finally got our Canadian driver's licenses. We had been putting it off for a variety of reasons, but finally, we (or I) determined we just had to do it. Getting our driver's licenses was the easy part. It literally took under a half an hour, which we both found really surprising. Getting Canadian car insurance is proving to be a bit more difficult, however.

First of all, car insurance is much more expensive here--as, it seems to us, is everything else. Second, it honestly never occurred to either C or me to keep a copy of our Southwestern State driver's licenses, which is proving to be a problem as we don't have driver's license numbers. Third, it seems that the Canadian system and the American system don't "speak" to one another, so all the paper work that the Canadian insurance company needs I'm having to find and locate on my own. That said, the insurance agent I've been working with regarding forms and the like since March has neglected to tell me what all I need to get the best rate possible. The entire process is getting a bit frustrating--and that frustration is only complicated by the fact that C has absolutely no patience for anything like this at all.

So after 4 phone calls to various companies and various states I think I finally have all the forms that I need so we can get Canadian car insurance. But something tells me I'm probably wrong.

Doctor Frustration

S has had a relapse, and I find myself somewhat frustrated with his doctor, whom I actually like a lot. Yesterday afternoon, he started running a fever again, and then he developed a rash. After a phone call to the nurse on-call (who was actually helpful for a change!) and one to my sister-in-law, who has 2 boys of her own, I determined that S likely had a sinus infection and could even have strep throat. I resigned myself to the fact that I couldn't do anything about it until this morning as the doctor's office was already closed.

Skip ahead to 1:00 am. My baby boy wakes up screaming and is on fire. He had a temp of 104.2. I realize that isn't so high for a baby, but fevers scare me. My older brother had viral meningitis at 5 months old. He had a fever of 105 for over 24 hours before doctors were able to bring it down, and as a result, he is profoundly deaf. He leads a happy, productive life, but his "disability" (I hate that word, but I digress) is a result of a fever. Needless to say, I wanted to take S straight to the emergency room. Luckily C's cooler head prevailed. He convinced me to give S a dose of Motrin and wait 20 minutes; if the fever hadn't come down, he promised we would take him. The fever came down in 20 minutes, and S finally went back to sleep. We got him to the doctor first thing this morning, and he has a sinus infection. It seems his nasty cold (which he has had for almost 3 weeks) turned into a sinus infection.

I am frustrated with his doctor and my health insurance for several reasons. First, I don't feel like she listened to my concerns at his original appointment for the cold 3 weeks ago. That said, I know I am likely responding to my irritation and frustration at his being sick for so long. Lack of sleep probably doesn't help anyway. I'm irritated with my health insurance because I can only go to one clinic in town; none of the doctors in the practice (and they are all good doctors; I have few complaints about them) are on call after hours. If I have a question I have to call a nurse on-call. In the past, said nurse (it isn't always the same nurse) has been less than helpful and not at all reassuring. There are times I long for a practice that relies on an answering service. I want to leave a message and have a doctor call me back, especially if I think it is an emergency. My vet uses this method, but not my pediatrician. As I said, I was able to talk to a helpful nurse last night (only because I located a different phone number for the nurse on-call), and C was even able to get this nurse back on the phone when we had another question about an hour later. I could launch into a tirade about the poor health insurance graduate students have to put up with, but that isn't the case. I like my insurance, and I like our doctors. I hate the nurse on-call system. I'm hanging onto the "good" number and calling that one from now on. I'm so glad I've gotten into the habit of asking people their name because I plan to ask for the helpful nurse the next time I have to use the nurse on-call system.

Now S is happily playing, and I feel better knowing he feels better.