Friday, January 2, 2009

How much is that doctor appointment going to cost?

Do you ever pay any attention to how much medical services cost??? I never used to. When I had great insurance that only required a $20 copay, I didn't care! Over the past year our family's medical insurance has changed, from a $20 copay, to a 30 (us)/ 70% (them), and now to a high deductible of $2300 per year. So, now  that we are paying a monthly premium of almost $500, ALONG with paying everything out of our own pocket until the $2300 deductible is reached, I am really paying attention. How much do some random services cost, for example? These are things I may have just taken for granted before:

Burning off a planter's wart for Ian :  $158 PER VISIT...So far we've had 2, she said it could take  4 treatments!!!

An office visit for a belly ache (Ian) where the doctor tells you to give him more fiber...$95

Cost to clip the LINGUAL FRENUM, the tissue under the tongue that caused Rowan to be tongue tied...$400!!!! The doctor took him to the procedure room and he was back 5 minutes later, no medicine or anthestetic or anything! 

1/2 hour of physical therapy for Rowan's neck problem...$95 (thank goodness he ended his biweekly visits in September instead of December, like was originally planned!)

It goes on and on and on....We are well over half way to our deductible. When we finally reach it, Blue Cross will start paying for it...UNTIL July 1, when my teaching contract year is up, then we start paying out of pocket again until we reach another $2300! As you can imagine, there are many gals of young kids I work with that this has put a HUGE financial strain on. So far, luckily, we are keeping our heads above water at the Stanton home. I have found  that if you talk to the billing office directly and at least pay portions, they are not so crabby about it! When Open enrollment comes at Jeff's work, we are going to reevaluate our best option! In the meantime, I wish our kids would stop getting sick!!!!

Alright, I just had to vent that off my chest...the next post will be much more fun to read! I promise!




1 comment:

Anonymous said...

I so hear you my friend.