This blog follows upon a stream of thought blog I recently read:
I’ve been juggling the budget, trying to stay on top of my necessary vs. optional expenses.
…Heat = necessary.
…Food (especially staying within the diabetes guidelines) = semi-optional.
…Medications = to be determined (necessary, but what can be juggled?); optional.
With the start of a new calendar year, the rollercoaster of what is and is not covered, as well as how the deductible calculation is performed, begins anew. Unfortunately, the needle has moved me back into the “expendable” category.
Of course, it’s been alarming to find that Trump will now allow people with pre-existing conditions to go back to their “unprotected” state for insurance coverage*. But, the bulk of my adult life has been about hiding my medical condition, and getting by with none the wiser about how much down time I needed to recover when not at work.
While I have had a good time in life (don’t pull out your violins yet), I can directly relate my lack of savings to the fact that I have covered all out-of-pocket medical expenses due to my pre-existing condition with real dollars, too.
When an average month or quarter includes an extra $1,000 or more in expenses that your insurance company refuses to cover – you know, those folks that sell you insurance through your employer – you don’t need to have an expensive habit like drinking or smoking or going out to clubs to drain your savings. You just need to be busy living your life to find that the fact you were repaired as a child gives you a life-long bill that you will be repaying for the rest of your life in order to survive.
Which brings me to the current situation.
I went to the endocrinologist (doctor) for review of my diabetes situation. Its complicating my COPD care, and it’s important that I stay on top of what’s going on. When booking the initial appointment, I was told that my initial appointment would be between $110 and $180, and was then given an initial bill of $854 !
While my shylock insurance company says that their coverage should make my bill a “mere” $669.10 (nowhere near the $110 to $180 that I was originally told to expect for costs), it’s still a cost that I didn’t accept prior to incurring the
So, we’re barely out of January, and I’m already $469 in unexpected debt for services. So, now I have to cancel the April appointment, delay payment further for services while writing a letter to explain why, AND wait to perform the necessary medical maintenance tests.
Clearly, I’m expendable as one cannot get blood from a stone. If one is on long term disability, meaning that one cannot work, then one should also be covered by medicare, and not have to wait two (2) years beyond the time they were certified for long-term disability before qualifying for medical care.
*Can’t find the executive order wording to back this up, but it was in an article talking about his rolling back of the “enforcement” portion of the existing ACA (Obamacare).