First of all, I feel awful for my wife. She's been suffering with 5 bulging discs in her neck and back for 3 years now. She's had two rounds of cortizone injections for each, two in the back, two in the neck, 25 sessions of physical therapy and on and on. Through all of this time she's missed very little work, too. Tough gal.
Yes, we have insurance. Actually, it's good insurance, but the number of bills keep flowing in and the deductible and co-pays have been mounting the past few months to where it's becoming unmanagable.
Recently she had to go to the emergency room 3 times within a month for pain in her chest and they still have no idea what's wrong with her.
I had made payment arrangements on 8 separate bills and nearly had 6 of them paid off. Now the ER bills are flowing in and they're refusing to make payment arrangements on the entire balance, they want a minimum payment for each invoice! We're talking ER, doctor, anesthesiology and anything else that shows up.
They told me that even if I made minimum payments on all of them that they may still choose to send us to collection if they're not paid off in a timely manner!
I'm in disbelief. I've been sending money as promised to every one of these other entities (physical therapy, primary care, MRI company, Urgent care, etc) for several months without missing a single payment, but now it may have all been for nothing.
As if we needed more salt poured in the would, my wife's car threw a rod in the engine on her way to work Monday. Our mechanic buddy said it wasn't worth replacing the engine and that she needs a newer car. So we're off to get her one this afternoon, financed, of course.
We're not destitute. I'm still in rebuilding mode for both my online and offline businesses, but I can usually make quick cash when we need it and between us we have a decent income. Still, like most others, we have our limits and we're really getting stretched thin.
It's beginning to affect my mindset as well. That's NOT good. I'm starting to really need a break and I can't take one. Sucks!
I'm just stunned by the lack of compassion and cooperation shown by most of these medical entities. Especially when we're trying to pay them!
I'll stop whining now. I know that many others have it worse than we do. It just seems wrong that these guys are determined to screw you when you're trying your best to do the right thing.
Oh well. Heavy sigh...