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Trying to stay on top of things, getting discouraged

Tuesday, July 23, 2013

I'm so overwhelmed with everything. I'm saving for a wedding next year, my fiance and I were planning on paying for it ourselves. Now with my hearing loss I am trying to figure out the best way to save money for the tests, doctors visits and special aids I will need not to mention the surgery I will eventually have.

I called both hospitals that do the surgery I will need to get an estimate. I know that by the time I need this surgery the price will probably go up, which is why I wanted an estimate now so I can figure out the best way to plan for this. The news I got was not good...$18,000 for one ear. My policy right now would pay for 80%, so I would be responsible for $3,600. I have a Flex Spending plan but that's only $2,000 and I use that money for doctors visits, medications, co pays, deductibles etc.

I have an appt to meet with HR today to discuss what options would be best for me. There is a Savings Account that rolls over year to year that is available but I have to have the high deductible insurance to be eligable for that. And I'm not sure how much of the surgery the insurance would pay for with that insurance.

I'm just so stressed out about all of this. I've been dealing with horrible migraines that I'm sure are from the stress, I'm on anti-anxiety/ anti-depressant meds because I just have these horrible panic attacks and I end up crying. I know I'm better off than a lot of people in the world, I just get upset about financial situations. I'm already in debt because of student loans, and I have 4 kids to care for, we just bought a new house and moved a few months ago which the payments are twice what they were before, and now all these medical bills that will pile up in the next several years.

I'm starting to go back into the "Why me" mode. Something I hate to do but its hard not to wonder why this stuff happens to me.
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