Sherry, the insurance representative at the hospital, glared at Jolene from her desk with a stern frown as she clutched one of the woman’s diaper-clad twins.

Her small office had suddenly burst at the seams with babies, their gear, and a twin stroller the size of a small car. The baby boy who cooed into her face expected a smile from her. Only a few weeks old, he knew he was the catalyst for love, smiles, and hugs. Not with her! The unhappy grown-up shuffled papers on her desk and began spelling out terms.

“I see what you still owe after your primary insurance carrier paid most of the bill for the twins and their intensive medical nursery care. The second carrier will not pay because you signed up too late. There is a considerable balance left. I see that you and your husband owe quite a bit on other bills. How do you plan to pay this? What will you use for collateral?”

She swiveled in her chair toward Jolene, holding the baby tighter. Though the new mother of twins thought the hospital’s delivery and care of the babies would be considered services, Sherry considered the babies goods, and she had a tight hold on one just to prove it!

The fact was Jolene had no idea how she would pay an amount equal to three years’ salary. Before she spotted a blue padded cell where the one twin would stay as collateral, Jolene  swept the child out of the representative’s arms, gathered the considerable gear, and told her, “I don’t have any answers right now. I will get back to you.”

Jolene had hit a wall and had no answers. From there, God took over. He reflected with love on Jolene and her two-baby bonus.

God proves his living creations are priceless treasures worthy of rescue. He knew Jolene’s need, as he does ours.

Today is Sanctity of Human Life Sunday. This honors the value of human life, even of life within the womb. Beyond birth, life continues to be precious. God knows the map of our lives and the plan and outcome of each day.

“When I was woven together in the depths of the earth, your eyes saw my unformed body. All the days ordained for me were written in your book before one of them came to be.” [Psalm 139: 16 NIV]

God knew the answers in Jolene’s life. She and her newborns discovered care and his divine provision along the way.

A few weeks after the confrontation with the hospital rep who wanted money or collateral, Jolene arrived at work and found her desk wallpapered with checks for nearly the entire balance of the bill. All checks were from the insurance carrier the representative said would not pay.

Just as God showed his love to Jolene, he continues to show daily care for us as well. To him,  the value of life is priceless. He sits in on all our challenging conferences, and his son, Jesus, has already paid our debts.

God has it handled. What covers collateral for life? Jesus. Nothing more is needed.


[Jo Russell is a Christian speaker, author of articles, anthology contributions, and award-winning Which Button Do You Push to Get God to Come Out? A Humorous Devotional for Women. available from, her speaking engagements and  website, Enjoy chuckles and speeches, tips and excerpts in website options and weekly blog.]





About Jo Russell

Jo’s humor, inspirational stories, articles and devotionals have spanned more than 40 years, with several national writing contest awards for humor. She's a contributing author in Chicken Soup for the Soul—Shaping the New You and Heavenly Humor for the Dieter’s Soul.

Contact Jo

Find Jo on Twitter and Facebook. To schedule Jo as a speaker or to discuss your writing project and receive a free quote, call her at 928-536-2479. Or contact her using the website Contact Form.

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