Blessings Abound!

I have complained many times in my life about the outrageous cost of insurance. I’ve called it “legalized extortion”, and I still feel that way in most respects. I think it is ludicrous how much money goes out the window each month for homeowners, car, medical, disability, life, dental and vision coverage. It’s scary, really.

However, right now I am not complaining. I am feeling so grateful for our medical insurance, of which we pay 100%, through my hubby’s company. My medical bills keep rolling in; a new one arrives almost daily. I couldn’t even tell you how much everything has totalled to date with all the labs, radiology, office visits and surgery. The hospital bill, itself, was over $24,000. Last night we got a notice from our insurance provider that our amount of the hospital bill is less than $1000!!! We paid a $250 co-pay when I was admitted to the hospital so our remaining balance is actually just under $700!

I don’t know how we would have managed my thyroid surgery without the insurance. I am certain that I would not have had the same level of care that I received if I were on some government program, or simply had no insurance coverage. And the bills? OMG! They would have devastated us financially.

So today I am thankful for the blessing of good health care insurance. It’s a necessity in today’s world, and such a blessing to someone, like me, who has had some serious health issues lately. We work hard and fork over a lot of money out of our own pockets every single payday, but it is so worth it when you realize you could have been stuck with more than $40K (at least) in debt and it will probably end up costing less than $5K in the long run.  

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2 thoughts on “Blessings Abound!

  1. It hurts to know that some people don’t have coverage. In this day and age, in this country – this just shouldn’t be! I’m so glad you weren’t burdened with any of those bills!

    I started my adult life with a mountain of debt from lack of coverage. Five months shy of my 19th birthday, my appendix ruptured, which caused a life-threatening systemic infection just two days before I left home for college. While I’m extremely thankful I was still home when it happened, I was hospitalized for a month and a half and my recovery period lasted two additional months and required outpatient and visiting nurse services.

    I incurred a debt of close to $40k. The nail in the coffin? I was no longer considered a student, I was over 18 and therefore not covered by my dad’s plan. We fought tooth and nail, and lost. Mercifully, a local medical college stepped in and helped out: they paid 75% of the bills in exchange for allowing them to do a case study including access to my medical records with focus on some experimental treatment that I had received.

  2. I’m so glad that you had insurance, too. I remember the days, all too well, when ED would change jobs (again) and leave the kids with no coverage. I worried so very much, almost daily, that Shaggy would end up hospitalized with pneumonia resulting from his asthma and we would end up saddled with mountains of debt. It’s a very real possibility, unfortunately, when you don’t have coverage.

    I’m thankful that you had coverage, that you received good care, and that you are recovering.

    I love you bunches!

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