A huge part of our debt is directly related to the enormous medical expenses we incur. Our youngest son was diagnosed as a baby with a genetic disorder that translates to ongoing, lifelong medical care. It also means a whole lot of equipment, each piece which comes with a four- or five-digit price tag.
I am currently paying what I can on hospital bills that we rack up with every clinic visit. Each visit is billed at more than $1,200. We visit every three to four months. Add the occasional overnight stay ... and you get the picture. We do have insurance - good insurance by industry standards. But good insurance only goes so far. I don't even include these bills in our debt list because they are ongoing and will never be at $0 - sort of like a utility bill in my mind.
Our biggest obstacle is the equipment, much of which is deemed "not medically necessary" to the insurance company. This always sends me into a tizzy because who in their right mind would go out and buy this stuff for fun??
This summer, we are facing the biggie. It's time for a new wheelchair. He requires an extremely specialized power chair that will cost north of $30,000. It's anyone's guess what the insurance company will decide is "reasonable and customary." We are currently nearing our out-of-pocket deductible, which means we wouldn't have to pay our 20% of the "reasonable and customary." What worries me is what that number will be.
It enrages me that a suit at the insurance company five states away will make the decision as to what my kid deserves.
OK, rant over. It is what it is and we'll figure it out. We always do. On a brighter note, our debt has gone down another $1,200 and we are closing in on that $10,000 mark for the year! There probably won't be much movement in the next month because of our trips to the beach and Florida, but we're still going in the right direction.
Your support has done more for my attitude than you will know. Thank you all.