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  • Writer's pictureSami

The Price of EDS

When I say price, I literally mean the money: cash: dough: moolah.


In 2021, I turned 26. That meant this was the first year I had to purchase my own insurance. Until then, I was privileged to have parents who let me be on theirs.


Since being a dance teacher doesn't come with health insurance, and I don't have a husband who I can mooch insurance off of, I had to navigate the world of buying my own.


I ended up going with a medium level plan because I knew I would have some medical expenses (but I just didn't realize how much!). This is was first time I even really realized what you pay for. How I wish this was something they actually taught you in high school or college!


It feels a bit strange to write about money, but I wish there was something I could have found earlier to help me navigate budgeting a chronic condition with personal insurance.


I would like to preface this list with the fact that I have a secure job that I am incredibly thankful for, I own my house (well mortgage is better than rent!), and I have family that I know will support me if I ever need financial help.


Here are just some of the costs that I have encountered this year:


Health Insurance Plan: $375/month

Co-Pays: $20-$60 per visit

PRP Injections: $3,800

Insurance did not cover any

Prolo Injections: $1,500

Insurance did not cover any

Orthotics: $200

Deductible/Costs before Insurance Covers: $10,000

This includes things like X-rays, MRIs, Labs, or anything insurance will eventually pay for once the deductible is met.

Nerve Study: $1,500

Other Labs: $800

Physical Therapy: $300-$500 per month


I'm sure there are some that I am missing, but I think that list makes my point; I went from paying a few copays and maybe some labs per year, to this crazy list!


On a positive note, my surgery on December 20th will cost me very little since I've met my deductible😇


What I've Learned

  • If your job doesn't provide insurance, you know you will have a lot of medical appointments, and you are able afford it; pay for the best insurance you can. It will help you in the long run!

  • Submit medical expenses that aren't covered by insurance in your taxes.

  • Be your own advocate. If you don't think you need a specific test, don't get it.


I can honestly say I don't know how someone can afford to pay for a chronic condition if they do not have insurance, or don't have a decent income. Yes I have a lot of expenses, but I will be okay. I can't imagine being forced to choose between getting a medical necessity or paying for rent/food/etc.



Be Brave. Stay Kind. Much Love.


Sami


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