Here's the update on Gall-Gate 2010:
My ER bill came to $6000.00.
Yes, that's THOUSAND....
After being on the phone forEVER, and basically being told that I was S.O.L. (because my Hubs makes too much, GUFFAW.)as far as financial assistance goes, I found out that I at least qualify for Share-of-Cost Medi-Cal.
Basically, it means that on a monthly basis, I have a certain amount that I have to pay out of pocket if I seek any kind of medical care--My "Share of Cost". After I meet that amount, any other care I receive within that month is covered, as long as I see a doctor that is a Medi-Cal Provider. If a month goes by and I haven't sought any medical attention, than I owe nothing. I only pay for what I use.
Not too shabby, no?
Except my SOC is $2000.00 a month.
$2000.00 a month is pretty much our entire monthly income.
So, yeah. FML, right?
There's a the silver(ISH) lining:
Because I have the SOC plan in place, I only had to pay $2000 of the $6000 bill. Yaaaay!
BUT, because you have to pay your SOC within the month it was used, there was no option to make payments on the 2 Gs. It was all or nothing, baby.
We had to borrow from my ILs. I have no idea how we're gong to pay them back, because I have appts. to have consultations with the 3 specialists next month, and those will all be out of pocket. Chances are, if they agree with my PCP and schedule surgery, I won't be able to have surgery 'til November. We're still trying to recup after the trips to WV.
Where the HELL are we supposed to pull these funds from?
Hubs and I figure that by the end of it all (if we're lucky), we're going to be looking at $6-8000.00 spent, which is WAY better than it could be, but still enough to cripple me with anxiety.
We've been working so hard to financially stabilize, I feel like all of our work is slowly becoming undone.
I can't fathom how we're going to rebound from this. It's already breaking us financially.
Not to mention, O's bday is coming up, and there's the holidays.
Every Christmas is rough for us b/c Hub's company shuts down for a week during the holiday. It's unpaid.
So every Christmas, we sit at home, somewhat appreciative of the little "vaycay," but panicked over the lost income.
It's gonna be a Blue Christmas, kids.
I'm HOPING that I'll go see all of these specialists, they'll run their tests, and sum it up with:
If I'm being honest with myself, I know SOMETHING isn't fine.
I don't feel well, and haven't for quite some time.
We'll see what happens!
Wish me luck thru this process. I need it.
I'll keep y'all in the loop as much as I can!