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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