Your free Podsite trial has expired, but you still have time to upgrade!

Claim your custom domain name todayClaim your domain

We thought we had adulted properly

24 minutes

Caitlin and Corey Gaffer got a surprise letter from their insurance company — saying they were being dumped for non-payment. Except, as far as they knew, they were paid up.

As it turned out, they’d made a couple of small mistakes, which they were eager to fix. But their insurer was definitely not interested. Caitlin and Corey spent fruitless weeks on the phone.

And then, Caitlin’s pregnancy — more than six months along — ran into complications.

They scrambled for months to get covered, while racking up about $30,000 in hospital bills.

There’s a happy ending. Two, in fact.

First, their baby was born healthy (and insured) in January. She’s in the episode too, and she’s adorable.


Maggie, Corey, and Caitlin Gaffer, with Luna the dog. (Photo by Lauren Cutshall.)

Second: In March their old insurer offered an apology — and offered to reinstate them. (This was the day after a reporter called to ask the insurer for their side of the story.)

… but the whole journey was harrowing, and opens up questions about what kinds of safeguards consumers have — or should have — against getting dropped.

Welcome to Season Two!

This story — like a lot of this season — came straight from my inbox. A few days after the show launched, I got an email with the subject line “Pregnant woman and her husband in Minnesota need help.”

We’ve got new friends!

We’ve got co-producers for Season Two, Kaiser Health News. Three things to know:

First: Kaiser Health News is not affiliated with the giant health care provider Kaiser Permanente. They share an ancestor — which is a fun story I’ve written all about here.

Second: They ARE a great non-profit newsroom covering health care in America, an editorially independent project of the Kaiser Family Foundation. (There’s that name again. And again, here’s the story.)

Third: Their editor-in-chief is one of the people who inspired this show.

YEP. The whole story is worth reading. I am so pleased and proud to be working with these folks.

Catch you next time. Till then, how about…


Hosted on Acast. See acast.com/privacy for more information.

More episodes from An Arm and a Leg

The best video about health insurance, ever

A couple months ago, we started getting messages from listeners telling us: you gotta watch this video. 


It’s a thirty minute YouTube video from a creator named Brian David Gilbert, and it’s …

Health insurance post-Roe, and a grassroots network of abortion funds

Since the Supreme Court overturned Roe v. Wade, abortion has been banned in more than a dozen states. As you choose your insurance plan for next year, you might be wondering: How does that …

A listener asks: Could NOT having insurance be a better deal?

It’s open enrollment for 2023 health insurance for lots of folks — a time when you might find yourself asking: what good is health insurance anyway? 


Quick update from Arm and a Leg HQ

Hey there,

You may have noticed, we've been keeping a slower pace for the last few months — publishing every three weeks instead of every two — since Dan recovered from COVID.


And …

California plans to make its own insulin and sell it super-cheap. Really.

This year, the state of California put up $100 million to produce its own insulin, and sell it for cheap. How’s it going to work? (Is it going to …

Congress fixed (a piece of) Medicare. It only took a few decades.

Lots of seniors have to pay thousands of dollars for drugs—even tens of thousands—or do without life-saving medicine. That’s finally going to change. 

How you can listen to this podcast

You can listen to episodes right here on the website, or if you prefer, in a podcast app. Listening in an app makes it easier to keep track of what you’ve already heard, listen without using your data plan and many other conveniences.

Recommended apps
Start listening to Mom vs. Texas
28:53
Start listening to Mom vs. Texas
28:53