Budget & Finance

Medical Budgeting (How not to do important things series.)

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I do not have any amazing solutions for medical budgeting. If someone asked me I would tell them to save a hundred dollars a minute until they saved everything and that would be good. I mean, I still don’t even understand how my insurance works with an 80/20 split on payments but then also a deductible but no copays. I haven’t googled it in a couple years. I should try again – the Internet is always coming up with answers for things I couldn’t find even a few months ago.

The thing is, there’s never a way to know how much money you or your family will need for medical expenses because we never know what’s going to happen. The abscess in my chest probably wouldn’t have come back again if I hadn’t started working out in earnest. But maybe it would have. My doctor ordered an ultrasound, but the ultrasound tech today made it seem like a procedure that shouldn’t happen at all and I shouldn’t have gotten one. So no way I could have prepared for a maybe-but-is-it-really necessary procedure.

I have a consultation with a surgeon for a recurring abscess on my chest wall that hurts in ways I can barely describe. I have no idea how much a consult costs. I especially have no idea how much removal will cost. Can I offer to let them put it on YouTube for a discount? If they offered would I actually agree to that? (Honestly, I don’t think so but – bottom line – it would depend on how much money we’re talking about.)

I have already had a consultation with a vein doctor about getting my leg veins worked on over the next two months. Did you know vein surgery stuff was done by a cardiologist? I had no idea. I also have no clue what that costs. After all the vein clinic commercials on the radio I kind of wonder if it’s a necessary procedure. I don’t hear commercials for heart surgery because if you need it you get it, you don’t pick a thing based on a commercial, right? (I’m not saying this as a fact. I have no idea about anything, ever.)

While I am beyond (BEYOND) thankful for our insurance, I’m more than a little scared what 20% of the costs of these procedures are going to be.

There was no way I would think to save for abscess surgery or vein surgery. Those aren’t normal maintenance visits.

It also throws a damper on substitute teaching for at least a few months, too. Which…I’m not sure if I’m happy or sad about because I hate going into situations feeling completely unprepared and they still haven’t provided anything stating the absolute basics of what I think someone should know going into a new school environment. Or, heck, any new environment for that matter.

Finally, the real heartbreaker…it puts a damper on the gym membership I JUST GOT to do aqua aerobics. Like, are you kidding me right now life? Maybe I can duct tape some saran wrap to my chest to keep the water out of the hole.

It sounds silly and reckless, I’m sure, but if you experienced the stress reduction I had over the last two weeks? You would be thinking about saran wrap, too. I promise.

The worst part is that since all my upcoming procedures only need local anesthetic and are outpatient I keep downplaying it like I’m just being a weenie for not going ahead and living life to the fullest every day. I’m so mad at myself for the lack of energy I have and my inability to be the person I really want to be right now.

2 thoughts on “Medical Budgeting (How not to do important things series.)

  1. I’m really sorry you’ve have health problems right now, but thought I would chime in with my experience on the vein procedure. I had it in two stages, since both legs needed done. It was performed by a radiologist at a vein clinic. I had already hit my deductible, and it cost six thousand and change. The financial side of th office let me know how much I would be responsible for once I gave them my insurance info. (The procedure wasn’t a magic bullet, but now that it has been eighteen months since I’ve finished, I’m glad I had it done. It was definitely not a budget friendly expenditure, but it did reduce the pain and aching in my legs quite a bit.) I’m not sure if a cardiologist would charge more. It sounds like the abscess is the more immediate priority, but if you decide to get your veins treated, there may be more than one type of physician in your area who performs this, and one may be more reasonable than the other. I live in a large metro area, and some dermatologists’ offices advertise that they do vein ablation as well. Best of luck!

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