Oh the joys of being in & out of the hospital - INSURANCE
I am so glad to have some insurance or this could have been a much more financial hit. However, the amount of claims that have been coming through have been insane.
I had an ER visit the day of the dog bite - this includes a doctor billing me as well as the ER.
2 days later, I was back in the ER where TWO doctors and the ER bill me AND I am admitted into the hospital for 4 days/3 nights.
I go home for ONE night.
And I ended up in the ER again where multiple doctors visited me and argued over what to do, so I get their bills plus an ER bill AND I was admitted for another 4 days/3 nights.
During that time, I had hand surgery - so surgery is billed plus the surgeon plus the doctors that visit me again.
The claims are just ROLLING in.
Our insurance has a $2400 family deductible. WE already hit that (with a minor surgery I had earlier this year and this situation). However, we also have a $7000 out of pocket maximum. When all is said & done, we will be hitting that as well.
UGH - but we can use up our HSA and Medical savings and hopefully cashflow the rest.
Sad that essentially the amount of my severance will be used for this though instead of saving it.
Archive for June, 2018
Oh the joys of being in & out of the hospital - INSURANCE
3 years ago, I was clearing out the basement and decluttered a gossip bench that I inherited from my Aunt Edna. It was in rough shape - the wood was separating, it needed reupholstering and I didn't have the energy, expertise or time to do it.
The lady that took it flips furniture and sent me a picture of the finished product. It looked so nice, but we had nowhere to put it, so I didn't try to buy it back.
There were so many memories attached that I always regretted letting it go.
Fast forward to today. I was heading to Wawa and saw a yard sale in my neighborhood. I decided to stop by and there in the middle of the yard sale was Aunt Edna's Gossip Bench. The EXACT one I had sold. (The seller even named the lady I sold it to).
I hopped on out of the car and bought it back! That is fate for you!
Today was my 'last payday' from my old job. The check included 4 days of work and my unused TOP payoff. No insurance/401k was taken out, so I wasn't sure how much I'd net.
Luckily, the next is 2x what a normal base check from them was. So that would cover our budget for today 6/8 and 6/24! I start the new job 6/18 and its paid every other Friday, but I don't which Friday is a payday yet.
We hope not to use any savings to cover income while transitioning between the jobs, especially since being in the hospital lost my first job and now I am unemployed for 3 weeks.
Then mid-June, I will get my severance, which we are hoping to bank!
2 Weeks ago, I went shopping for work clothes. My previous employer’s dress code was jeans daily, so I need several new outfits that I can mix & match without spending an arm & a leg.
I am in between sizes, which makes shopping at goodwill/outlets harder. So, I went around to a few places, brought some stuff home and was planning to keep the best and take the rest back.
Of what I am keeping (already returned the non-keep items) – I hit up Target, Gabes, Kmart & Kohls and got 5 pairs of work pants in varying colors (including 2 lightweight pairs for summer), 3 business dresses, 3 work shirts and 1 blazer for a total of $157.34. Not the lowest prices that I have ever paid, but all the items are high quality and versatile. I might return a pair of pants or 2… haven’t decided yet. It’s a lot of money given I am trying to save, not spend…but I have the funds in my clothing fund. I am good on shoes, mix & match tops, accessories. I will be able to present a very professional look for a long time without buying new clothes.
My last day at my job was 5/24, a Thursday. I had a half day (paid for full) and then we off Friday. My husband took off with me and we had some time together- lunch out and a movie and had a really awesome time.
Saturday morning, my dog (of 3 years) bit me. He has been having behavior issues, but he was hurt and I reached to help his paw, and he bit me hard. An emergency room visit resulted in my hand getting 14 stiches. $$$ large bill coming
Because of his bite history and the severity of my bite, we worked with the rescue we originally adopted the dog from to address this issue. Unfortunately, after the 10 day quarantine, he had to be put down. We are so upset, but medically/mentally, something was wrong with him. The rescue & vets office agreed. He was sick.
By Memorial Day (Monday), it was infected and I was back at the ER. I was admitted right away and they started me on IV antibiotics. There was concern about possibly doing a surgery, but after 3 days, I was released to go home on Thursday.
Friday morning, I woke up with infection symptoms returning and I was right back in the ER and being admitted. Saturday, I had hand surgery. I was released to come home yesterday (Monday).
So of the last 8 days, I spent 6 in the hospital. That bill will be ridiculous. Our family health insurance deductible is $2400. We used up some of it already, but the actual out of pocket cap amount is $7000.
I am doing better. However, because I could not start my new job on the 29th as I was supposed to, I had to tell them to release and open the position up. LUCKILY though - the company that I really wanted to work for called Tuesday and offered me a position at a salary higher than the original new job offer. I have a start date of the 18th.
I have mobility issues of the hand and hope that my dexterity is better by then. Trying to take it easy is hard!
So because of all this craziness, we have unknown medical bill coming, $361.45 vet bill, and incidentals from eating out, etc. that my husband had to do while traipsing back & forth between home, babysitters and hospital for the last week.
I am very lucky though - my hand will be ok, my family is ok and I have a new job starting. I just have to hold onto that.