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Good News!

May 31st, 2018 at 06:21 pm

I know I already posted today, but I just had to share. DH just texted me to tell me that starting next week he will be getting overtime again. He will be able to get 10 to 15 hours of OT a week, which if I did the math right and I just do it at a base of 10 hours OT, will be an additional $1200 a month after taxes. Well, every four weeks. If he gets 15 hours a week it will be an additional $1800 a month after taxes. That would start with the June 15th paycheck.

They told him he would get it through August, which also means DH has a job through August. Now if they will hire him on directly after the waiting period is up on June 4th, I will really feel like things are on the right track again for our future. If he does get hired on direct I will have to get used to getting paid every 2 weeks instead of every week, but that's not hard to budget for. It beats budgeting the weird, irregular pay he got when working 3 weeks on/3 weeks off.

I don't know how much OT will go towards medical bills and how much we can throw at the Monster Mom Loan. I wish I knew how much the operation out of pocket was going to come to. I want to plan for it and then see how much beyond that I will have to throw at the loan. We haven't had insurance this good since the first six months of our marriage.

I know DD has hit her deductible. I just don't know how much else we have to cover. Actually, I think her out of pocket might be $3000. I'll have to have DH check on that. If it is I can start planning. I just hope no one turns out to have been out of network. It's an in-network doctor and an in-network hospital, but you never know with the anesthesiologists. That's what could get us. We did pay $413 to the doctor before surgery, but that was to hit the deductible.

There is also a possibility she could get something like Bridge as she is unemployed and an adult who has been disabled with this. I think we probably make too much if they consider DH's income, but if it is just based on her, maybe. I'm not counting on it, but they did bring up something about it, so we'll see.

I just want to know what the future brings so I can be prepared for it. But then, don't we all?

6 Responses to “Good News!”

  1. Jenn Says:

    LR, if both the primary doctor and the hospital are in-network, the insurance has to pay the other in-hospital services as though they are in-network, even if they aren't. It's called an 'invisible provider' if I remember correctly. It's not like you're going to stop the anesthesiologist in the operating room to ask what networks he participates in.

    i once had a claim processed incorrectly after the birth of one of my kids (because the anesthesiologist wasn't in-network), and I called the insurance company to explain that it was an invisible provider. They reprocessed the claim correctly.

  2. Carol Says:

    That's goodnews about the overtime,L.R. Jenn, what a helpful piece of information!

  3. rob62521 Says:

    Hey, that is very optimistic news! So glad. Hopefully DH will get hired on and that will ease some of your worry.

  4. LuckyRobin Says:

    Jenn, I've never heard of that before. I'll mention it to the insurance company if it ends up being an issue. Thanks.

  5. LuckyRobin Says:

    Rob, it will reduce the stress in my life significantly. I feel like I've been stressed out for 2 years.

  6. PatientSaver Says:

    Great news about the OT. A nice infusion of cash.

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