Tag Archives: sick

To go to the doctor, or not go to the doctor – that is the question

High deductible health plans are great when you hit your deductible – except when they’re not. Specifically, they’re not great when over the course of the year you have to start over paying your deductible due to company health plan changes and/or changing companies. Thus, this leads me to move away from my former infatuation with the HSA-enabled HDHP.

In November, my $2600 deductible restarted. I figured I could survive until the end of the year without seeing a doctor. Then, I got pregnant. And then, I got sick. Sick with a cold / sore throat / lost voice that’s likely a virus that has no cure anyway… not worth a doctor’s visit and certainly not worth spending $300 on. I already made that mistake a few times this year when I didn’t realize my deductible had not only reset, but doubled (thanks to my former company who didn’t notify me that as of Aug 1 they switched plans and the $1500 deductible was now $2600 and reset *cough*bullshit*cough.*) Yes, that cost me $1000 in medical fees that I expected to be covered due to a series of “fuck I lost my job and I’m incredibly depressed” psychologist appointments (nothing like a surprise $1000 bill you fix your mental health!)

But now, I’m going back and forth on whether to go to the doctor. Being pregnant changes things. I’m five weeks, two days pregnant… and, 3 weeks, 6 days away from a brand new year of health insurance and deductibles. Since I’m switching to Kaiser, my medical costs are going to go way down next year (it’s a $1500 out of pocket max, no deductible,  no more surprise charges PPO BS. I hope I do not regret this decision.) Can’t I just stop talking for a few weeks (who needs a voice anyway) and hold out?

I do get to see my reproductive endocrinologist tomorrow – or at least the nurse – and perhaps they’ll be able to advise if I should do anything about this stupid cold. Luckily, my follow up appointments for my pregnancy at my RE are “free” (well, covered by my monthly $800 cycle fee) until I’m handed off to an ObGyn… so I’m hoping they can help at least provide some medical advice of what to do if I’m super sick and cannot talk.

The good news is I haven’t had a fever yet. I know fevers can be dangerous to baby and the second I get a high fever I’m paying that $300 and going to the doctor. For now, I think I just need to figure out how to get some rest and eat a lot of chicken soup.

My Father is Sick, My Mother Doesn’t Even Know How to Pay the Bills

Far across the country, my father is lying in bed, fighting off illness, and my mother is fretting that the lights are going to turn off because the electric bill hasn’t been paid.

My dad is in his late 50s and has been suffering from diabetes and obesity for years. He has refused to treat his condition properly, and has not taken the insulin prescribed to him because he said that it was impossible to lose weight on it. Of course, the way he eats with no exercise, it’s not possible to lose weight in a healthy way.

He’s supposed to go to the doctor to get checkups every few months but he hadn’t been to the doctor in over a year. That is, until this past week, when his health quickly deteriorated and has left him bed ridden.

But, being the stubborn guy that he is, he’s still telling my mom to bring him the bills to pay. He can’t even get out of the bed, yet he won’t let her pay the bills.

The saddest thing of all might be the fact that my mother doesn’t even know how to pay the bills to begin with. I mean, she could pay them, but she has no idea how much money my dad has in his accounts, or how much is saved for their future. If any credit card bills don’t get paid, it’s on her credit history as much as it is his.

My father finally went to the doctor. It sounds like there are more problems than just the discomforting illness that sent him into the doctor in the first place. They did some blood work and determined that there’s something wrong with his prostate. It’s either an infection or cancer, apparently. They’re giving him antibiotics to try to clear up the infection but if that doesn’t work it might be malignant.

Given that my dad hasn’t been to the doctor in forever, he’s probably waited too long to treat any sort of cancer if that indeed is his infliction.

My father and I don’t have a close relationship, but I’m still scared for him, and for my mom. I’ve accepted for a long time that he could just die and be gone any day, the way he takes care of himself. Still, I don’t want it to happen, obviously.

My mom said he hasn’t said he’s scared, but he at the very least admitted to her that she was right – that he should have gone to the doctor sooner. For anyone who knows my dad, him admitting to my mom that she was right says a lot about his view on his condition at this point.

He’s been in the hospital before, but it wasn’t enough to scare him to get healthy. He doesn’t seem to believe he can, or he doesn’t care to do it.

I want him to grow old and be around to be the grandparent of my children one day. He’s not the best guy in the world, he has his issues, he was abusive to me when I was a kid, and he’s emotional abusive and somewhat physically abusive to my mother at times. Still, deep down inside of him, there’s a good guy there. And I want that good guy to grow old and be around for a while.

And then, logistically, there’s the real concern of what would happen now if he did pass away. My mother wouldn’t know what to do with the money at all. I have a feeling my dad has a decent amount saved in 401ks, etc, but if my mom knew just how much they had she’d go and spend it all. Of course I wouldn’t let her do that – and she’d listen to me. She admits she knows nothing about managing the household money. I’d have to step in and take charge of all of that, probably – from figuring out my sister’s potential college education to the cost of my mom supporting herself, etc, etc.

I’ve always figured it would happen – some day – but I’m not ready for it to happen quite yet.

Maybe I’m thinking too far ahead of myself. My dad could just have an infection and he could get better soon. And if that’s the case things will just go on as they’ve been… he’ll continue to be stubborn and my mom will continue to be clueless.