When it doesn't work right....you have a situation like we have right now. It is June, not quite half way through the year, and we have less than $500 left. Yes, that means we have used $3500 on out of pocket medical expenses.
Included in this are:
- My root canal
- Extra x-rays for Sassy
- My ultrasound (more on this another time....no, I am not pregnant)
- Weekly Occupational Therapy for Bossy
- Bossy's medical supplies
- Miscellaneous co-pays
- Contact lenses
- Medication (which included replacing Epi-pens)
Bossy's medical supplies will continue to rack up expense. Oh, and I have my crown appointment this week. Oh yeah....and I am having surgery this summer. Yip. Pee.
Even for all of the expense of this year, only some of it counts toward our out of pocket expense for the insurance. My dental stuff didn't count (since they didn't cover any of it, they don't care). My contacts didn't count. We are at less than $2,000 towards our $5,000 maximum out of pocket expense.
In the past, we have hit our maximum in late fall, back when the maximum was $4,000. Then they raised it to $5,000. Sneaky.
All of this is going to hit the bottom debt repayment line. Even with overtime, extra hours at work, etc....that will more or less help us tread water, not actually pay down the existing debt. This is a major frustration. All this medical stuff will make it look like we aren't making debt repayment progress, and if the expenses outpace the ability to pay it as it comes, it will add to the debt.
I just want to scream.