I had foot surgery last week to correct a painful bunion. I’ve had my share of surgeries. Granted, none that were life threatening, but surgery all the same. I used every hour of vacation I had to be able to fix my foot so that I can, hopefully, walk without pain once again.
I’ve had almost a week to sit and think about so many things. My foot, obviously, is one of my biggest subjects of deep thought… along with my finances.
As painful as my recovery has been, I am appreciative for the opportunity to sit back and regroup.
I’ve decided to make October another spending freeze month. Besides the fact that I’m condemned to a boot for the next four to six weeks, I don’t feel like going anywhere, and I’m too tired to do anything…. including shopping online. Speaking of tired, let’s take a time out while I take a nap. Seriously.
One of my main reasons for another spending freeze should be pretty obvious. Doctor’s bills. Funny thing about health insurance… Sure, it helps pay for medical costs, but you’ll still end up paying out the nose for surgery. How ironic that our insurance year restarts in October, just three days before my surgery. Say goodbye to all of the deductible I have paid in. It’s also so sad that my benefits changed. My deductible went up by a thousand dollars. Our open enrollment event happened, and my medical insurance almost didn’t happen. The only thing that saved my finances at all was the hospital calling to pre-authorize my medical coverage. It was discovered that a glitch occurred in the rollover of my insurance information. The only coverage I had was for prescriptions. WOW. Needless to say, I freaked out and made a barrage of phone calls to multiple people to try and get things straightened out in time for my surgery, which was happening in two days. Thankfully, human resources pulled through, and my coverage was restored in tact, and in time. I am very fortunate, and thankful for my surgery. (I think… So, so painful!)
I will be making arrangements for a payment plan for my out of pocket costs for my surgery. That makes sense. My spending freeze will be most helpful. Reevaluating my monthly budget will help me achieve my goals.
May I suggest to ALL of you, to connect with your insurance providers and make sure your coverage is good. Had I not had my upcoming surgery, I possibly would not have known about the glitch for months. I have prescriptions that I get every month, which would have been covered, HOWEVER, if a medical problem had happened, I would have been left owing much more money, with nothing to be done about it.
TIME FOR A CHECK UP!