Update on Medical Costs

This is not what a foot is supposed to look like. =(

This is not what a foot is supposed to look like. =(

Over the past few months there has been an uptick in our “medical” spending, and there will be even more when we publish our Income Statement for August in a couple weeks.

While some of our medical spending is planned (like Mr PoP’s fancy glasses we bought last summer), this definitely hasn’t been. This year, and especially the last few months, haven’t seen me at the top of my game, physically, and it’s occasionally been a bit of a roller-coaster emotionally.

Here’s what that roller-coaster has looked like:

The Bad: The pain, obviously. It’s in my foot. =(

The Good: I have insurance and benefits and resources which I’ve been able to use to get more information about and address said pain.

The Bad: The waiting. Which is, obviously, the hardest part.

The Good: I can still ride my bike, and I’m actually more glad than ever that I switched to bike commuting a few years ago as driving a car can be pretty painful at times.

The Bad: I’ve missed most of my running races this year (only ran two small races – ironically I did pretty well in both of those races!), and will likely miss most of the next running season in Florida (winter) as well. I genuinely miss running and the stress relief and mental break it provides.

The Good: Mr PoP has been patient with me and even taken to going on weekly morning walks on the beach with me to try and substitute for the mental release of my beach runs, even as I find myself singing the chorus to one of my favorite Jack Johnson songs quite often…

“Slow down everyone / You’re moving too fast.

Trains can’t catch you when / You’re moving like that.”

The Bad: I’m less than 2 months into my flex year and I’ve spent more than 75% of what I had set aside for Flex Medical Spending for the year. Guess this means fancy-pants glasses are going to wait for another year for me!

The Good: If I can get the remaining treatments (probably surgery) done in this calendar year, I’ll hit my the in-network out-of-pocket max on my health insurance. After that $0 in-network bills until January 1! (Any “stock up” ideas on health care while it’s “free”? Test all the things? =P )

The Bad: Going to the doctor takes time, which is not how I like to spend my precious PTO.

The Good: The problem should be fixable, and I’ve got an appointment with someone who should be one of the best specialists in South Florida in a couple of weeks so hope to know more after that.

The Bad: The fix is likely to make my foot hurt more before it gets better.

The Good: The chances are decent (70-85%?) that it IS going to get better.


That’s about where it stands right now. Not awesome, but I feel like after dealing with this for almost nine months, there is probably light at the end of the tunnel. And that’s good.


16 comments to Update on Medical Costs

  • Ouch! Glad you’ll be better soon. Not having full mobility is no fun.

  • What does this mean for Ecuador?

    In terms of things I get done once I’ve hit my deductible:
    – skin/mole check
    – extra blood test panels not normally covered

    I hope the foot surgery works out well and helps you feel better. Foot injuries are such a challenge.
    Leah recently posted..Solidarity in SolitudeMy Profile

    • I already contacted the host from the Ecuador trip and I should still be okay, but I may miss out on some awesome hiking depending on what the timeline looks like after I talk with the specialist in a couple of weeks.
      I’m due for my yearly body check, but normally that’s $0 copay for me – preventative some long as they don’t find anything!

  • Ugh I’m sorry about your foot!! I had a minor injury this year and that meant I hit my deductible back in April, even with no surgery. It’s been quite nice only paying coinsurance rather than the full amount for the last several months. The more expensive side though is that the injury affected my work productivity, which ended up meaning no bonus, which I’m somewhat frustrated with.
    Leigh recently posted..Being financially stable doesn’t make you betterMy Profile

  • Sorry to hear it’s still not better! I hope everything works out better than expected!
    Gwen @ Fiery Millennials recently posted..The Art of Worth ItMy Profile

  • Jacq

    *fingers crossed* the specialist says the stuff that will = speediest recovery.

  • I hope that it gets better sooner than you thought! That’s great that you have insurance. I hadn’t had insurance until I started working and I was worried at times that something horrible would happen to me. Safety is so much better than worrying!
    Finance Solver recently posted..5 Life Goals to Get Richer in 5 YearsMy Profile

    • Insurance is definitely good… I got mono once in the few months that I was uninsured before entering grad school. It was bad timing from a cost perspective, but could have been much more expensive!

  • Ouchie! That foot looks bad! We have definitely had some unexpected medical costs crop up the last couple of years–Little Brother’s broken leg rang in at right around a grand and Big Brother’s head stitches were another six hundred. I just enjoyed the luxury of not having to ask for a payment plan!

    Here’s hoping the surgery is a big success and you recover fast.
    Frugal Paragon recently posted..HalfsiesMy Profile

    • It’s looking a bit better now, that was about as ugly as it got. Though after talking with one doc about surgery she said to expect it to look pretty swollen and terrible for a couple of weeks after that… Sometimes things get worse before they get better, right? =P

  • I love that Jack Johnson song.

    Sorry about your foot, but it sounds like you’re finding ways to get out and be mobile anyway. Thank goodness the bike pedaling isn’t too bad.

    Hang in there, and I hope the costs are less than anticipated!

    • I love EVERY Jack Johnson song. =)

      As for costs, I think as long as it happens this calendar year (and in network), I’m less than $200 from my in-network out of pocket max, so it’d probably be “cheap” as surgeries go.