We were able to afford to adopt Iann in large part from a very unexpected inheritance. We didn't ask anyone for help (apart from plane tickets from our parents), we did no fundraisers or things like that. I think those are all great ways to fund an adoption. but not what we chose. To make up the difference we took out a small loan, that we paid off last summer with the adoption tax credit.
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What we didn't take into account, what we couldn't have taken into account, was the cost of raising a child with Fragile X Syndrome, autism and hearing loss.
Sure, we have insurance. The State provides it's employees with pretty good, but costly, insurance. Most of our co-payments for Iann's therapy are $50 a pop, one is as low as $30. There is a state insurance program that we financially qualify for, that would cost us about $20 a year in premiums and $5 a therapy session, however the children of state employee's are not eligible. Catch 22.
When Iann was diagnosed, we immediately got him on the wait list for 2 medicaid waivers - one for kids with autism, one for kids with long-term care needs. Medicaid will pay what our primary insurance doesn't - co-pay's, deductibles, etc. The wait list for them both is 2-3 years.
For the first year of this journey, my dad pretty much underwrote Iann's needs. Now, he supports us by paying me to work in his insurance company. We swallowed our pride and approached our church, and received a very generous check that helped for a few months. Then, we got a chunk when we sold Jon's car. Now, that money has almost all been used up.
Some of you may think that I am being too transparent with all this, wondering where I am going? Give me a paragraph or two and I'll get there.
In our almost 10 years of marriage, God has always provided means for us to pay our bills. Many people are still loosing their houses, having their utilities turned off, etc. We are nowhere near to experiencing that. And I realize that we are lucky not to be. Jon has a steady job, from which he will never be fired. Again, we are lucky there too.So, yes. I am worried about how we'll meet Iann's monthly needs when the money from Jon's car runs out. It would be dishonest for me to pretend otherwise. And yes, there is more to our financial situation than just Iann - Jon's back and my multiple surgeries in the last few years are still things we're paying on. Along with one or two things we probably shouldn't have bought.
Bottom line: there have been months when I don't see how all the bills got paid. I do a budget at the start of the month, and we sometimes don't have enough coming in, to cover what needs to go out. But, somehow we do. I don't go back and check every little thing at the end of each month, I just thank God for whatever happened and move onto the next one.
One of my biggest worries lately has been our tithing. We just flat out don't have enough money to tithe the expected 10%, or really anywhere close to that. There have been times when we did, but not since God gave us Iann.And there's the point.
I truly believe God plans out who are kids will be. Of all the Korean boys born in August 2008 who were put up for adoption, God earmarked Iann for us. I truly believe that. Now, let's not get into what would have happened if Alex hadn't passed away, because I can't go there. He did and so we adopted Iann. God could have placed him in the family of a lawyer, or Dr. or architect.
But he gave him to us.
I believe that every time we pay for a therapy, a sedated hearing test, a Dr's visit because of another cold/sinus infection, another set of tubes in his ears, another set of braces for his ankles, etc. etc. etc. we are giving back to God. After all, what else is a tithe but giving back to God some of what he gave to us?
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