High Deductible???

Year-of-the-high-deductible-health-plan

I’m cramming!  Cramming in every medical appointment that I can possibly think of.

My work’s fiscal year is October 1.  That is also when our medical insurance renews.  I have a high deductible health plan.  That means I pay out the wazoo until I hit the deductible.  Then I’m golden til the next year.

It works well if your entire family contracts Ebola.  It is less useful for the sniffles.  I had never met my deductible until this year, and I was strategic about it.  I had shoulder surgery on Oct. 4, 2018.  I met my deductible in the first week of the plan year, and I’ve seen every doctor in town since.  I have had major back issues and taken care of them – or at least tried.  I’ve had my shoulder rechecked to ensure all is well.  I tackled my toenail fungus last November, and I’m thankful to report it is gone – WHOOP WHOOP!  I’m sure I picked that up in the Y shower.  YUCK.

I saw a counselor to make sure I was mentally sound – still in question, but it was good to talk some things out.  I had a colonoscopy and an endoscopy and an ultrasound of unspeakable parts, just in case.  I talked to my doctor about my poor sleeping habits, saw a sleep doctor and am on a drug to give me rest.

All this and I have three more weeks to go!

I’m hitting the chiropractor again, getting my ingrown toenail sliced open and perhaps steroids shots in my back.  The only thing I hate worse than physical pain is financial pain.  I gotta get it all in before my plan goes back to ground zero.  October 1, its back to suffering.  I do not plan to go to the doctor again unless I lose a limb – or two.

If I have a prescription, it shall be filled, this month.  I don’t care if I need it or not.  I might get pink eye again… at some point in the future, and there is one refill left on those little drops!  Maybe I have an anti-nausea suppository refill.  I better check.

I may get Botox, pectoral implants and see if they can do a bladder lift by the end of the month.  I don’t even know if that’s possible, but I might as well ask.

I’ve been overlooking issues for years simply because I don’t want to spend so much stinkin’ money on medical care.  I don’t like to go to the doctor, but I also don’t like fungus on my toes.  I’m not going back for some time, so I guess I’ll invest in some heavy duty flip flops.  And fellas at the Y, would you please do the same?  I’m finally clean here!

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4 Comments

  1. Jo Nance

     /  September 11, 2019

    I love you! You make me smile! 😁

    Reply
  2. Anthony Quartararo

     /  September 11, 2019

    Danny
    Thank you for your post; we have the same issue and then reflect on how it must be to be poor and denied healthcare by the NCGA.

    Peace

    Tony Quartararo
    919-259-1299
    “Darkness cannot drive out darkness, only Light can do that. Hate cannot drive out hate, only Love can do that.” MLK

    Reply
    • Danny Tanner

       /  September 23, 2019

      I can’t imagine trying to do this without insurance – it is NUTS! Imagine not having even a high deductible plan to fall back on.

      Reply

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