August 16, 2010

Sometime You Just Have to Pay the (Wo)Man

by

Save for a rainy day. Put money away in case of emergency. Fund your flexible spending account. Stuff your mattress full of paper money. Whatever it is you do, sometimes you have to suck it up and dig into that savings. It’s the hand you’re dealt.

Gone are the days of $25 doctor co-pay, $5 prescriptions and minimal out of pocket for emergency room visits. Oh how I long for those day. Except about 5 years ago my primary care physician stopped taking insurance of any kind so he was ‘out of network’ which is insurance speak for you pay first and then we’ll tell you we won’t cover it. So I stopped going to my primary care physician primarily and went to my gynecologist. Except she was so busy I couldn’t always get in. And I hate waiting. And waiting with a child, at the GYN, is so fabulous. I know you wish you were me!

But because the fabulosity was greater than I could stand, I ended up not going. It’s OK, because I’m pretty healthy. And I did the free mobile mammogram thing with ZoniDuck every year like it was some girl’s day out programs. Fun!

Fast forward a few years and no more co-pay. The good ol’ days are gone. Replaced with a high deductible plan that covers not much and not that. And it doesn’t matter anyway because none of my three, yes 3, doctors take insurance.

Last week I went to see my homeopath. She doesn’t take insurance. I had put off going for about 6 months. I didn’t want to pay her going rate out of pocket. But it got to the point that I just had to stand up straight and deal with it. I couldn’t go much longer without seeing her. I was sick. My other doctors can’t help me fully. I needed to see the homeopath and have her give me the magic little pills.

I kept coming up with excuse after excuse. But what it came down to was that my health was suffering because of my frugality. Or cheapness. Probably cheapness at this point. And I’m not about cheap. I’m frugal, yes.

I know it’s difficult to write that check for several hundred dollars for a few minutes of listening and then some chicken scratch on a piece of paper with what you hope is the magical potion to make you feel better. And I also know that as a mom we’ll put everyone else before ourself. Often to our own detriment.

But when you find the right professional who can help, co-pay or no co-pay, high deductible or not, flexible spending flush or depleted you make the appointment and pay whatever price they ask. All in hopes that they find out what’s wrong and make all the bad go away.

I think I found the magic. I trust my homeopath. She totally got it in the first 10-minutes. No hemming or hawing. Right to the chase. Uncomfortable questions and all. I was honest. I cried. I knew she held the key to make me well again. I trust her. And I think it’s going to work. Now, if I would stop worrying about the money part.

This post is linked to Robyn’s Our Homeschool Home for  Mingle Monday. Tidymom is the featured blog this week. Check out the other blogs linked up or if you have a blog, please link up with Mingle Monday.

Our Homeschool Home

Sara

{ 6 comments }

Robyn OHSH August 16, 2010 at 4:14 am

Sara,
I’m so glad you went. Our health is a definite investment. A good long term one. It’s hard to remember sometimes as a mom though. We put everyone and everything ahead of ourselves. However, if you don’t take care of yourself now, you won’t be able to take care of everyone else later. (I’m telling myself as I type this!)

So glad you joined in on Mingle Monday! I hope you have an awesome week!

Robyn

Li August 16, 2010 at 11:01 am

Hey Chica,
I’m so glad you went to the doctor and took care of YOU.

I know about the $$$$ thing. I’ve been there. I am there (my insurance is friggin EXPENSIVE and I still have to pay a lot out of pocket for treatment, meds,etc. With all the damn money I pay the doctors should be making friggin house calls… but I digress). It all sucks so very much.

BUT your health is so very important. You can’t take care of everyone if you don’t take care of yourself. 😉

Hugs,
Li
@LaLicenciada

wendy August 16, 2010 at 1:38 pm

Thanks for visiting my blog. I’d love for doctors to make house calls. I wish I lived in the days when that occured!

Kate @ Songs Kate Sang August 16, 2010 at 8:40 pm

Hi! I am so sorry it was tough. I’m glad it went well. Follow the dr.’s orders and take care of you? Ok?! BTW ~ I still owe you Starbucks!

Honey August 17, 2010 at 10:04 pm

Hi Sara,

I am glad you went too, but I wanted to comment on how funny some of your posts are. I don’t know if I have said that before. I love the jokes you crack and your sense of humor. I totally get the jokes. I love coming here because your posts always make me think, smile, or sometimes even laugh. Thank you.

Blessings
Honey

Sara August 18, 2010 at 1:21 pm

Honey,

I’m glad you find my posts something to keep coming back to read. I’m still trying to figure out how much of who I am I’m comfortable putting out there. I appreciate such welcoming and embracing support.

Thank you,
Sara

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