MegaMom Interviews: How do you afford healthcare for so many people?

June 14, 2007 | 3 comments

For this installment of the MegaMom Interviews, I’m going to post the answers that two of my lovely interviewees gave me to the same question.

This question may not be super exciting, but it’s very near and dear to my heart right now as I go to pay yet another stack of medical bills sitting on my desk in front of me. I asked:

Q: How do you afford healthcare for your family? We’re swamped with medical bills right now and we don’t even have half the number of children you do!

Ouiz’s response:

My husband has decent health insurance…not the greatest, but we pay one low fee for prescription drugs, which is a MAJOR God-send!

We live in a pretty small house (for the size family we have), so we are able to save some money every month, and that is what we use to pay our part of the birth expenses (and I have to have c-sections every time).

Milehimama‘s response:

We rarely have health insurance at all, except for the two years I was working — which really shows God’s providence, as my oldest was diagnosed with bipolar during the 12 months out of ten years of marriage that we had really good insurance! I was able to get all of the testing, counseling, second opinions, etc., we needed for a very reasonable fee. We decided to try medication that retails for $185 per 30 day supply, and got it for $30 co-pay. And, I lost the health insurance three weeks after we started nutritional therapy and didn’t need it so much anymore!

My husband works construction, and is often employed by 3-5 companies a year — we rarely qualify past the 90 or 180 day waiting period for new hires. Our insurance when Baby X was born this past April was a 50% co-pay — not so good!

However, almost all insurances cover well-baby and child checkups for free or a very reasonable cost. Delta Dental and other providers also offer free dental services to uninsured kids once or twice a year, no matter what income you have. County health departments also usually offer vaccines for free or low cost (most of my kids are not vaccinated, for reasons I discuss here).

Also, when you have lots of kids you get a feel for who needs to go the doctor and what can wait; many visits for childhood illnesses are “repeats” — and if Johnny had it when he was a baby, and Mary had it when she was a baby, you pretty much know the drill without a doctor’s visit.

I use the internet a lot too, especially WebMD and I’ve also gotten quite an arsenal of home remedies at this point too!

Though this topic isn’t as exciting as the big questions of God’s will and the blessings of many children, this sort of nuts-and-bolts information is really helpful to those of us who are just starting down this road. Thank you so much to Ouiz and Milehimama!


  1. Patrick

    I’ve been blessed enough to have insurance from employers, and I keep noticing something odd. Everywhere I have been the options they give me are to get insurance for

    a) me only
    b) me + my spouse, or
    c) me + my spouse + my children.

    There is a price for each. However if you pick c, it doesn’t matter how MANY children you have. One child or ten, the price is the same. I have no idea why they do it this way. It seems stupid but if you have a lot of kids it works in your favor.

  2. DrGreene

    Healthcare is expensive — and not just in money. One way or the other, and at one time of another, we are likely to spend considerable time and attention and money on the health of our families.

    Now, for the first time in history, health information and health strategies are widely available online ( With a little time and a little attention, we can prevent some problems and treat many others with gentle, effective remedies at home.

    But some conditions will still need “the system”. I hope, in the coming presidential election, that affordable, available, high quality healthcare will be a central topic for both parties — and that soon we can see some significant improvement in the system.

    Alan Greene (

  3. Charles Smith, MD

    There a number of good medical web sites that can help people who need health care information. Dr. is certainly one of them. Reading and responding to health care blogs and corresponding with health professionals by e mail is another emerging option.

    Charlie Smith, MD

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