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Uncovered medical expenses

May 30th, 2007 at 03:26 am

Despite having very good medical insurance, I am facing more than $3,000 in uncovered medical expenses for my daughter over the next 7 months.

In the big scheme of things, this is nothing when you consider those with no insurance or those with $2 million in medical expenses. Not to mention, my daughter's condition is not life threatening in any way.

But it still stinks to have that kind of expense staring you in the face.

I think I'm just going to go to bed and be depressed now....

Posted in Just need to whine | 3 Comments »

3 Responses to “Uncovered medical expenses”

  1. disneysteve Says:
    May 30th, 2007 at 01:40 pm 1180528817
    1180528817

    We got hit with that last year when my wife had surgery. The initial bill was over $4,000. I reviewed the hospital bill and found an error for over $1,000. Then I spoke to the billing department and was offered a 35% discount for paying the bill in full. We ended up paying about $2,100 in the end.

    So be sure to carefully review all bills and make sure they are correct. Also, make sure they were properly submitted to your insurance. Finally, ask for discounts whenever you can. At the very least, ask for interest-free financing to allow you to pay the bills over time if you need to do so.

    Hope your daughter is okay.

  2. Fern Says:
    May 30th, 2007 at 03:50 pm 1180536656
    1180536656

    You are certainly not alone in facing big medical bills like that. That's why, in other discussions here about saving for retirement, we should never consider that we've saved "enough" because there are always going to be unanticipated expenses, especially medical.

    I paid in the $3,000 range when i had to have my surgery last summer and while i had savings, it sure put a dent in my budget.

  3. LuckyRobin Says:
    May 31st, 2007 at 01:20 am 1180570848
    1180570848

    $3000 in medical debt is not insurmountable but it sure may feel like it at the time.

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