I knew when I set up my new spending plan that it was tight and didn’t leave much room for error. I even wrote in that post that hoping for 18 months of smooth sailing financially was a lot to ask for.
Welp, that didn’t last long! Yesterday, after a long busy week at work, I pulled a thick envelope out of the mailbox, and saw that it was addressed to me. This didn’t bode well. I looked at the sender and saw that it was my insurance company. Ugh. This was the bill from the medical tests I had done.
I opened it as soon as I got inside. I don’t know why, but I was expecting a bill of $300 or maybe even $400 max. The total due on the bill was $900! My jaw dropped as I just stared at this clump of papers.
High deductible plans are not for the faint of heart, people. Ugh! In no way do I regret having the tests done, because it gave me important information that could help me avoid more surgery ($$$), but this will decimate my $1000 Opportunity / Slush Fund and leave it all but depleted for the rest of the year.
I can’t put myself at that much risk so I will have to…ugh…skip an extra payment on my student loan to pay this medical bill.
Lesson learned: Don’t ever have health problems. Or if you do, don’t investigate them. Doctors and tests are too expensive. I’m obviously being facetious here, but ugh, these prices really make you think twice about being proactive with your healthcare.
Even after being on the receiving end of a sucker punch delivered by this medical bill, I was still able to get in a $1,802 payment / right hook today to my student loan to bring my balance down to $44,000. I’m happy about getting closer to being below $40,000. Losing that next extra student loan payment to pay this medical bill instead will hurt, but it will just have to take a little longer for me to get down to the 30’s. Sigh….
“Debtor’s prison is real, and opportunity cost is a bitch.” (DDSW Archives)