Wednesday, September 21, 2016

No Health Insurance for a single mom...

Not sure how many single moms out there are able to afford health insurance for themselves but I have not been able to for the past 12 years.  I have been blessed and am grateful that my ex husband has and still works for the same company and has always provided health insurance for my daughters.  But unfortunately I have not been able to provide insurance for myself.  It has been very difficult.  I have not had a mammogram.  I do not have yearly checkups.  And now I have even been having, what I believe can be pre-menopausal issues where I have had my menstrual cycle for over 30 days straight and cannot afford to go to the doctor.

So what do I do?  I google as much as I can and hope and pray for the best.  I believe it might be a hormonal imbalance but not sure until I am able to afford to go see a doctor.  Meanwhile I just pray...

Here is some small interesting information for either moms or single moms without insurance...

For the last 4 to 5 months, I have been suffering horribly from major back problems.  So bad that I would not be able to walk, I would have to even use a cane.  I tried ice packs, massage therapy (Thank God to Massage Envy package that I have had for years), chiropractor, rest, pillows and so much more.  Well, it became so horrible that I ended up in the emergency room 3 times in 3 months.  I finally had to go see a surgeon.  As embarrassing as it is, my mom helped me pay for the visit.  And guess what?  I was told be more than one doctor I needed surgery.  And to the point that it was scheduled within 2 weeks from that visit.

So the good news is I was able to have the surgery.  I was honest with the doctor and told him the truth.  I DO NOT HAVE HEALTH INSURANCE!!!
He has very nice with me and had me sit with someone from the office.  They explained how I would still be able to have the surgery but would have to start a payment plan.  Meanwhile I am thinking, "Great, another bill that I cannot afford"  So I ended up having my surgery and paid $100 prior to the surgery so I can have it.  This is where it gets interesting.  After my surgery, I got my bill.  And BECAUSE I DO NOT HAVE SURGERY, I HAD A HUGE SAVINGS.  Not that I am complaining because if it was higher, I would probably die and still not pay it all off.  But if I would have had insurance, the surgery would have cost me over $52,000 but because I have no insurance, my bills showed the discounts and have ended up with bills that are about $12,000 to $15,000.  I figure that by the time I am 75 or 76 years old I will be able to pay off my back surgery bills.  So all this has just made me wonder if health insurance is just another scam.  I just am clueless but grateful I don't have a $52,000 bill.  

No clue if this even helps anyone but I just thought it was good for others to know...  Stay Healthy Moms!!!

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