Freedom from worry. I'm OK financially. Not as good as I should be, not as good as I want to be, but OK. And right now, to borrow from Bruce Springsteen, "that's all right with me."
Assuming the worst case scenarios for my September surgery, my hospital bill is estimated to be $13,000. My insurance covers 80%, or $10,400. That leaves me with a possible bill of $2,600. Of course I'm not happy about it, but I'm relieved and grateful that it's not the whole thing.
And I'm always getting balance transfer offers from the bank. I know I shouldn't rely so much on credit, but you know what? In this instance my conscience is clear. I wrote myself a BT check for $2,000 and deposited in the bank so I'll have cash on hand when the bill comes. Again, I'm not happy about this, but I'm relieved and grateful that I can cover my medical expenses without dipping into my emergency fund.
And today I met with the HR representative at work and I will be paid 100% for up to 8 weeks off, 50% if I must be off for 12 weeks. It's estimated that I'll be back to work in 6 weeks, so again I'm relieved and grateful.
So all I have to worry about over the next two weeks is my health. I realize that's something not every woman in my position can say.
Sounds like you've got your finances ready! I don't know if I would have thought of all the steps you took.
ReplyDeleteask the hospital to cut you a deal before you pay the balance due. most of the time they will....cry poor!!!
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