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Upcoming Medical Expenses

January 6th, 2016 at 08:06 pm

I already have $347.33 in medical bills that will need to be paid on payday and I'm expecting a bill from the dentist yet. All of them are from services in December so they won't count towards the deductible. And I'll have to prepay the next month of chiropractic care so that'll be somewhere between $225 and $250. They are raising their monthly family plan. It won't be above $250, but it'll be above $225.

They haven't raised the rates in 5 years. We pay outright for chiropractic as this plan allows all 4 of us to go as many times as we need to in a month. We can use our HSA (which is empty at the moment) and we can deduct it from taxes, but it doesn't count towards our deductible. It is cheaper for us to do it this way, though.

My son has an appointment to see the ENT on the 19th and we'll likely schedule the surgery at that time. I am assuming it will be in March since it is usually at least six weeks out to get surgery following a consult. Which means that the timing may be right for us to pay it directly out of our tax refund and not have to touch the Emergency Fund. We always do our tax refund as soon as possible.

I am sure we will have to pay up front the full deductible. The nice thing is that they have a full set of surgery suites at their offices and it should be an outpatient procedure. No hospital expenses and no hospital stay. At least that is what I am assuming. At least it ought to meet the full deductible, and then the rest of the year we'll only have to pay a small percentage for our medical expenses.

My daughter will go for a follow up with the sleep doctor on the 12th and we are likely looking at getting her a C-Pap machine, so there's another expense. But it can't be helped. At least the sleep study got done on December 30th so we barely have to pay anything for that, which also hasn't come yet.

It would be so easy to be overwhelmed by all of this if we weren't in such a good financial place right now. It might set back our plans, but it doesn't ruin them. Being free of consumer debt changes everything.

1 Responses to “Upcoming Medical Expenses”

  1. FrugalTexan75 Says:
    1452130483

    It definitely helps to not have debt. I know I sometime look at the paltry amount I'm able to save/put away for retirement and start to feel discouraged. But then I think about what if I had debt I had to pay as well? Doesn't feel quite so little anymore.

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