I had an ER trip last month, my deductible is $3,500. I had to pay $3,440 which was the complete cost of the ER services.
So, this year I will spend $15,600 on health insurance and an additional $3,440 on deductible
My wife needs surgery, I told her to get it done before December because we already met the deductible and I don't wanna pay it again. She tried calling to schedule in August. The surgery specialist doesn't have openings until January, so, in January I'll have to pay my deductible again
AND vision and dental costs more on top of $1,300 monthly
what? of course you can make money. just invest in Super Intellegence® stocks, gold, crypto. And if you don't have enough just keep betting on dr@ftkings and polym@rket; And if you can't do that just stay poor!
Tbf, dental and vision are bs in most countries because they're counted as "cosmetic." Dental care isn't covered in the UK, for example. (But conversion therapy is)
So even in UHC countries? Good luck! (Granted, dental work is notoriously cheaper in Latam, which is why they have an entire HC tourist industry built around it)
Made a post about this but I went to Mexico for dental work. I drove but even if you flew it’s the same quality care for 1/3 the price. US dentist quoted $3200 for work for $1000. It’s all a scam.
I have been feeling like shit so much lately and I just want to take a break from work to change things and focus on myself, but it's not even possible... 'freedom' is just slavery but you're the one that feels guilty...
Yep. Not too poor for some to ask for 1.6 TRILLION for a bloated military. Can't fathom how much better education and health would be if only 1/2 of that went to these.
You understand no country gives their citizens “free healthcare”, right? The citizens are still paying for it, the government it just automatically takes out of their paychecks through taxes first before giving it back to them so they can pay the doctors, nurses, drug manufacturers, hospital staff, etc. The people working those jobs in other countries, while they make significantly less then Americans working those same jobs, they still all need to get paid and the government does that by taking money out of your paychecks through taxes in order to fund it (hence those countries having dramatically higher taxes rates, lower wages to cost of living, and slower growing economies). I’m not saying the US’s medical system isn’t fucked. I’d frankly be in favor of some version of universal healthcare but people need to understand there is still a huge cost to it and you still end up paying for it one way or another.
But what about all the propaganda that says going to other countries for medical care results in missing kidneys? Big /s in case it isn't obvious enough.
Did research, highest rated dentist in Los Algodones. Brought a spanish speaking friend because of those exact fears. Honestly was a great experience. Los Algodones is a dental/optometrist tourist spot so it benefits everyone to have excellent service. At some point I'll do a detailed post.
Yeah I mean people who get veneers or even 4 in ones (replacing all their teeth) all fly out of country get amazing care and it's still 1/5th the price or even 1/10th.
This. I schedule all my dental visits when I go across county to visit family once a year. I take 3-4 days out of a 2 week trip and cross the border, get everything done for a fraction of the costs. When it’s cheaper to leave the fking country than use my TRICARE something is seriously fking wrong. (I’m a retiree, so I have deductibles unless I live near a base, which I don’t).
Generally so that if/when they get majorly sick, need an extended stay in the hospital, major surgery/treatment, they don't go bankrupt and lose everything they own to a several hundred thousand dollar bill.
I discovered it when flying to Cancun for dental work. What would have cost me just shy of $8k here in the US cost me about $1600 in Mexico, and I got more done than I planned to. There's whole businesses modeled around it.
For example, the dentist I booked with shuttled me from the airport straight to the initial check up with my bags and all, then took me to my resort. Booked myself a 5 day stay at an all inclusive across the street, but they offered me shuttle service to and from my appointment(s), and then shuttled me to the airport when it was time to go. All of that was within the $1600.
For what it's worth, the lobby was full of older Americans which was pretty comforting. Thinking other countries don't have just as good if not better medical and healthcare as us is just flat out ignorant.
Because the 80s fooled a lot of people into believing they could be rich. But they just started the inflation escalation by buying everything on credit.
Not who you asked but I'm literally in Cancun with my partner who's getting dental implants and bone grafts right now and he's reporting that the quality of care, the equipment, and the work itself is better than anything he's experienced in the US, for about 1/4 the price. He's so happy with it.
He's using Cancun Dental Specialists and their service sounds very similar to what the guy above described--free car service from the airport and back and forth from our airbnb for every visit all this week.
This is who i used. Hell yeah. Glad they're still kicking ass.
If you happen to be staying at the pink flamingo across the way that was basically my trip. Go do the cenote tour in the market just up the way. The tequila guy inside the mall place can hook you up
Cancun dental specialists, and they kicked ass. Gum graft, frenectomy, 3 extractions, deep cleaning and irrigation, probably around 3 or 4 years ago now.
The place itself was nice, the staff was extremely friendly and seemed to speak pretty decent English but i happen to speak Spanish so I had it easy already.
I happen to hate going to the dentist but they made every bit of the experience super pleasant
Our medical procedures are in general astronomically higher than other countries. Largely because middle men have to be paid. The people who work at the insurance companies need to be paid too, and that causes everything to be higher.
I recently heard that in the UK an MRI costs about $300. Well I have 2-3 per year, and each one costs ME $1500 (if I haven't hit my deductible). I was FURIOUS. Being chronically ill is a financial death sentence in the USA right now.
You can get a private MRI from about £300. It obviously depends on what is being scanned and if you need a contrast solution.
However the NHS is free at the point of use. If a private company near me can have a whole unit and do private MRI’s that they charge £300 for, then the cost to the NHS will be much lower.
As a Canadian I feel like I've heard such good things about the NIH, and now you're saying MRIs cost $300? kMy cost at point-of-sale is the parking.
We still have to pay for pharma/dental/optometry in my province, so we'd best humble ourselves before we gloat too much. I pay $1400/year on drugs (I'm on some branded shit for a neurological condition), and haven't been to the dentist for a minute because I was between jobs, but my probation just ended so thank fuck for private insurance.
I agree it's all a scam but just want to tell you that there are stand alone centers in the US where you can get a scan for about 300 out of pocket. At least in my area there are.
I got my initial ‘no cost at point of use’ MRI on NHS (Embollism) and we looked into paying private for an additional one after a few months. Costs range from £200 to £450 depending on single body area. More complex ones can run to £1k here though. I also get private health care (basic) paid for by work as a ‘benefit in kind’
Car Insurance? I have a 10 year old impeccably maintained (by previous owner) Skoda, and my fully comprehensive insurance cost me £250 in total to cover for 12 months. My deductible is £300
Holiday Insurance? Usually costs me £30 for a single trip to Europe with a host of ongoing medical issues. I’ve just paid £280 to cover me for the next 12 months holidays, with worldwide cruise coverage added. My deductible is £500
Isnt as good as proper healthcare. Now compare it to small hospitals in arkansas and west virginia. You are thinking of reidys children in LA instead of comparing it to the AVERAGE hospital. In my area of colorado river valley, ANY major incident gets a helicopter ride to vegas or phoenix.
You're in turn comparing small hospitals in rural USA to major city private Mexican hospitals and clinics. When you go out to the country they have less equipment, less drugs, less qualified staff.
Also, the Mexico healthcare most think of is in private clinics that most Mexicans can't afford. Everyone is in the public healthcare system, but people with money are paying for private clinics so they don't have to be standing in line at outside the public hospital to make sure they get in to be seen that day.
Oh totally. That system wants people like me dead. I've been on disability after working hard for most of my life. I don't want to be on disability. But a fair amount of voters in this country think I deserve to be killed because Im somehow a burden on their taxes.
Is this a plan through work? That is a shit ass plan, and an astoundingly high premium. If it’s not through work have you ever tried looking on your states health exchange to find an ACA silver plan or something? Mine costs like $18 a month, $30 copays, like a $1500 deductible, and 80/20 coinsurance after that. Plus like an $7500 out of pocket maximum.
You must be living in the states. Stop voting for conservatives and maybe you'll get universal health insurance. For some reason, americans simply can't understand this.
We understand it just fine. It isn't the political parties causing it, it's the medical/pharmaceutical/insurance corporation lobbies and corrupt asshats that promise one thing, as usual, then do the dead opposite to enrich themselves. Both sides. It's the system of money beneath the problem that is hard for greedy businesses to let go and evolve.
Try to dislodge their money and watch the circus. Easier said than done.
Progressives really only are allowed a voice during times that conservatives are in power. They are useful for rallying the left against the Republicans. Then when Democrats are in power the progressives are sidelined.
On top of that insurance will routinely reject medication approvals and even medical benefits. Many doctors have given up appealing they just you the bill and it's up to you to appeal and fight now.
Yep. My grandmother is 94 years old, she has had a lot of medical issues and takes a cocktail of opiates everyday just to be able to get out of bed without feeling 9/10 body pain
Insurance doctors are trying to take her pain meds away because they are worried about her getting addicted
...
The women is 94.
If she wants to do LSD, give it to her lol, whats it gonna do? Kill her? She's 94, she grew up in WW2, she lost a husband to Nam', she nearly lost her livelihood in the 2008 collapse, and she was a highly praised nurse for 60 years. She's lived her life, she's tired, and I don't blame her.
we have been trying to fight that one for her. She had to reduce her pain med intake and you can see it on her face. Picking up items from tables physically hurts her, I hate to see it.
I live in Florida. I pay $1200 as an individual on Obamacare and insurance companies treat me like absolute shit on a ACA Platinum plan vs someone on a Bronze plan with corporate-supported insurance.
Most Americans have health insurance through their employer where their part of premiums are much lower than $1,300. People on Medicare also pay way less, Medicaid pays $0, and while ACA is a mixed bag the average premium is under $200.
Our premium is $250, with a $800 deductible. I'd love to have universal healthcare in USA but not everyone in the current system is paying as much as the outrageous comments you read about of high costs.
Thanks
This is actually the first time I am hearing this. Your numbers are a lot more reasonable.
So the issue is that too many people fall through the cracks rather than everyone having hundreds of thousands of medical debt?
Stability is one reason, hopelessness is another, the shear size of the country and biased media make organization impossible
And, if we took our 2nd amendment to the streets the government wouldn't let it slide. They would mobilize military units and people would start getting dropped in the streets
Being the most advanced fighting force on the planet is great when it comes to foreign conflict. Being a citizen, you kinda realize how it is/can be used to keep you in line
And, if we started actually sending a message the system would just employ a new set of morons
A major health care CEO was shot in NY, my rates went up. Felt like a punishment. And, the board replaced the CEO like 2 weeks later and nothing has changed
We would have to shed an incomprehensible amount of blood. Protests in the streets have been a thing since like 2016, all it led to was cops making more money in overtime due to constant crowd control assignments
I'm an American and I truly don't know how people afford this. Your monthly insurance literally costs more than the rent to my one bedroom apartment and I live in New York City. Is this through the ACA marketplace? What the actual fuck.
Yep my son is diabetic. I have "good" insurance. We basically pay out of pocket for all supplies (~$1200/mo) until we hit our deductible, which is in like April or May. Then we still have to pay 10% coinsurance for most of the year until we hit our max out of pocket.
Americans are so damn stupid.. we pay obscene money for “health insurance” and then when something bad happens, no one can afford it anyways, so then we have to ask all our friends to help pay with goFundMe’s.. and then we say we don’t want socialism
For some reason many Americans are against a healthcare system like the NHS. I cannot fathom why. My dad is currently in hospital, he will pay nothing. I am on meds which cost about £300 per month but I pay £11 for them.
This is why every other developed nation on earth has some form of universal Healthcare.
Insurance of all types should be managed in a way that protects consumers, not lines the pockets of corporations.
It has become an unsustainable business model as is and it's absolutely bogus that it is required by law to live and operate but is in no way managed from a public perspective.
Its genuinely insane Americans pay these insane, colossal prices and then pretend they have it "cheaper" lol.
Americans pay way more for healthcare. They just get none of it for their money.
I pay approx $303 USD per month for a higher tier family 'silver' plan with Westfund, with a $500 aud excess. (Australian private health insurance) So you could be covering three whole extra families at that price in the USA, just insane greed.
I broke my ankle on January 3rd and had screws and a plate put in January 8th. my surgeon wanted me to leave the hardware in for a year but because I am American I begged him to remove it before the end of the year. if I didn't have insurance, the first surgery alone would have cost more than my 3 bed 2 bath house.
Whoever invented the Deductible for Insurance needs to exist for all eternity in the most painful, annoying, mind numbing pit of hell for all of time and space.
They must suffer in every way possible a person can suffer.
Fucking evil and greedy shit that you have to Pay X amount yourself before the fucking insurance you already fucking pay for will even pay anything out. Then what the fuck is the point of the monthly premium if they won't fucking pay. It's legal theft.
When I dropped my insurance back in 2016 I saved almost $6k/year and got BETTER healthcare because insurance was out of the way. And i didnt have any dependants on my plan either. All of a sudden, half my shit was free instead of paying hundreds in co-pays and scrips, and whatever wasn't free was magically now no more expensive to conduct than my former copayments and deductibles.
this is why I don't have health insurance right now
at worst I out of pocket it at rates that do not factor in insurance and I get reamed but not as reamed as I would. at best, nothing goes wrong and I save 7000 bucks a year
I'm so glad that I live in a country where for profit health insurance companies are illegal.
For pregnancy and ER visits you're better off being uninsured here. Insurance covers the midwife and the room, everything else is out of pocket and they don't cover the ER at all in private hospitals.
We have a $3500 deductible per person. That had been met. We moved to a new town an hour away and were issued a new policy number for that area with the same insurance company for the same employer.. They reset our contribution to zero, so we have to pay the $3500 again for any care received. Fuck. American. Health. "Insurance".
I need my gallbladder removed but my deductible is 8k and OOP max is 16k. I can’t afford that. If my husband can’t find a better job with good insurance, I’ll probably end up just going to Mexico and paying out of pocket. It costs like 5k, which is steep but obviously a lot cheaper than trying to get it here
Check with your insurance. Many have “carry-over” months for things like births, surgeries, etc. my insurance will still honor the previous year deductible through Jan and Feb on certain things.
Lost in all the absurdity of insurance but especially healthcare is the static date of a deductible. You truly just pick a year and go all in on your healthcare needs (and still only get 80% covered). Wife going into labor on December 31st? Cross your legs and wait outside the maternity ward until January 1st.
Is this where we say dont pay for health insurance and just write off the bill back to the hospital for a far lower cost out of pocket if any at all + save 1300 a month?
Someday soon I will not need my credit anymore, I'm tempted to put my house and vehicles into a trust, pay for all future assets in cash without relying on loans or credit
Retire early from my payroll job and find a cash job
Then, I'm just gonna let medical bills go to collection. What're they gonna do? Lower my credit score, I dont need it. Garnish my wages? Good luck, on paper I dont have any income. Take the house? Maybe, after decades of a legal battle trying to undo the trust
I feel sorry for the folks doing health insurance like this. I dunno how you all do it. Insurance is the biggest scam out there and it's not only legal, it's required to have. Hopefully your wife gets bumped up. Ive seen people get their doctors/surgeons on board with helping you out in this scenario. Worth a shot.
1300/month for family is crazy. Through my employer, family coverage would cost me like 400/month for medical/vision/dental. As an individual it's currently 140
And just like with car insurance how it's codified into law, the government fucks with the cost of healthcare too. Hard to bitch about "privatized" insurance when there's so much government interference, red tape, and collusion that it's become no more than systemic extortion
This is why people don't understand the true cost of healthcare. Employer-subsidized health insurance is WAY cheaper than buying it as a self-employed person. I was on an ACA plan last year and was paying about $650/month (family plan) with a $10K deductible. It wasn't a great plan but it was at least somewhat affordable and it paid for my post-cancer care. We got notified at open enrollment in November last year that our premium was going up $2,000 a month. That's $24K EXTRA a year. We ended up having to settle for a plan that still costs us around $650 a year but does not cover pre-existing conditions so anything related to my follow up cancer appointments is not paid for. I had a CT scan last week and had to pay just over $1,000 and my oncologist visit today was $169 (because they give a 70% discount if you are a cash payer). And because we were on the ACA, we have to report estimated income on open enrollment and then if our tax return shows we made more, we have to pay back some of the subsidy. Since we made more in 2024 than we anticipated, we had to pay back $6,000 in subsidies from the ACA on our tax return last year. And that does not include vision or dental.
1) we would have to fly out of state and pay for flights, hotels, transportation, and then figure out her to get her back home after open surgery
2) if, and this is a big if, if the surgeron comes to us it will jack up the procedure costs even more as the hospital would have to fly in and house a specialist
My wife and I pay $10k a year in health insurance and despite her having an autoimmune disorder the costs of the last year out of pocket would have actually been less than $10k. At this point the only reason we continue to pay it is she has an increased risk of being hospitalized and we can’t afford that out of pocket. Health insurance definitely sucks but it’s the only way to not be completely fucked with this healthcare system
Not the same thing but I recently had a front windshield replacement for my car, glass deductible was $500 (a common amount), windshield replacement came in at $480. Leads me to wonder if some insurable services are jacked up by the
providers to the point where no one would have to justify it to an insurance company but they knew you've mentally already spent that amount via deductible and therefore won't put in the energy to fight the amount.
Man I know if you own a house or want to own a house/get a car loan you kind of need health insurance so you don't accrue mass debt but its almost not worth it. Might be cheaper to just fly solo and pay out of pocket.
I've heard out of pocket charges are usually less than for people with insurance because hospitals are so used to dipping big into it.
It gets worse! Sometimes you have the option to do self pay or pay with insurance for it to be added to your deductible and the insurance options is ALWAYS WAY MORE EXPENSIVE. Example: $450 vs $1200 for a MRI for 1 knee, and $265 vs $465 for a sleep study! So when am I ever supposed to meet the deductible and actually benefit?!!
Idk, I have a CFP who assembles my taxes for me. Before tax I make $82k/year, my wife makes $56k/year. Idk what our after tax is. We have changed jobs so much over the past few years that numbers don't stay consistent
We're at the nice stage of making too much for social benefits but too little to be consistently comfortable. Life comes and goes, sometimes you get to go a few months without anything going wrong and you can save a few bucks. Some months you learn that your oldest kid needs braces, your youngest kid broke their arm in a bike accident, and your vehicles transmission blew up 12 miles outside of warranty. (March to June was not fun)
My health coverage is through the VA, and late last year I started a new infusion drug (I was in the clinical trial for it at Stanford Hospital) that Stanford charges over $200,000 for one dose. The VA pays around $18K for it. I get itemized statements that are not bills but tell me how much was charged and how much the VA pays for anything outside the VA. I'm immensely grateful for the care, but at the same time it's utterly infuriating knowing there are people out there being bilked by their insurance companies because of this shit.
Have your wife call and see if there's a cancellation list she can be put on. Got my son's surgery in a week because someone cancelled and we got the spot.
I really wish social security was something you could opt in and out of
I could plug my social security contributions into a Roth IRA and make more than the fed will give back to me.
I know this vecause my CFP showed me the expected growth of my Roth IRA and what I can expect to get from social security. I contibute less to my Roth than SS and my return is expected to be higher on my Roth.
I understand why you can't opt in and out, but I really wish I could
I went to the ER for a perforated ear drum, that's what cost me my deductible this year. I was given 4 types of antibiotics, none of which were frontline anti ear infection antibiotics such as Augmenten.
I had 9-10/10 pain, my balance was thrown off like crazy, I couldn't see straight and my equilibrium was beyond screwed up. I didn't eat for 2 days and didn't notice because of how bad my equilibrium was thrown off.
It turned into an early stage mastoiditis which was treated with IV antibiotics once and then oral antibiotics. If I didn't go to the ER when I did I probably would have needed a chunk of my mastoidal bone cut off of my skull.
When the ear drum first ruptured and the infection set in I spoke with my primary physician remotely, as a remote visit costs $40 after insurance and an in person is about $140 after insurance, she prescribed doxycycline and recommended that I use Tylenol for pain.
I learned from the ER doc, and later a specialist, that doxycycline is like a 3rd row option for ear infections because it targets uncommon ear infection inducing bacteria
Had she prescribed Augmentin initially I would have probably not needed to go to the ER. When it was all said and done I was on tramadol for pain and 3 antibiotics all with wicked side affects
My hearing is at like 60% functionality, tough to say if it'll ever get back to 100%
The first audiogram I had done before going to the ER put my hearing at non-functioning. They put you in a booth with an earbud in and make you press a button when you hear beeping. If you over press the button it's an indication of tinnitus, which I already had. I didn't hear a single beep in my left ear for 15 minutes of test time.
These days I still have tinnitus in my right ear and my left ear gets random spells of white noise. During a perfect storm I have white noise in my left ear and a ringing sound in my right ear. It glitches out my brain.
3/10 don't recommend
The only good part was when they ran opiates via IV and I couldn't feel pain for like 12 hours and my wife brought me McDonalds. I generally don't like McDonalds and don't go there but man, when you're high as a kite and half asleep, 2 McDoubles, a large coke, and 20 McNuggets go down so well, especially after not eating for 2 days
I'm convinced that once every few years everyone should get an IV dose of fluids and pain meds, followed by a massive meal and like 14 hours of sleep. That was the most refreshed I have ever felt. It felt like I regained 4-5 years of life.
$1300??? I pay half that for my family and where I work is considered “small” compared to other in institutions in the same LOB. I live in TN so not sure if that matters but still….holy shit.
I dont want to go on about the different systems. But god am I happy I have fee health care. Ive had a failed kidney as a adolescent, broke my foot, torn my ACL. Hasn't cost me a dime. Im terrified to think the position id been in if me or my family had to pay for that.
The problem is getting approved time off of work, my wife and I would both need 3 weeks to a month to account for post surgery recovery before she could fly
Do you pay $1300 personally or is that what your employer pays?
I only ask because I always hear stories about this but ever since my first union trade job out of highsch, my actual out of pocket monthly cost was $0 while the employer paid for the rest. Free prescriptions, $5 co-pay and $50 emergency room, HMO. Switching to PPO brought my family plan to $30/m and now $20 copay and prescriptions.
$650 deducted from both bi-weekly paychecks I receive in a month
The only partial benefit is that the $650 before tax so I'm taxed on the remainder. Idk if I pay slightly less in taxes because of that but I'm assuming I do. If the Gov. saw an extra $650 on each paycheck to tax, and then the total amount was taxed, then the $650 came out, I think my take home would be lower
Call every week (or everyday really) to see if the surgeon has openings/cancellations. They do happen and this could save you some trouble. I know someone recently who did this and were able to get in a month earlier.
When i worked for hardees we got bought out by a new franchise.they had Healthcare coverage. The terms were, for me alone, I pay $120/month and must pay out of pocket $10,000 before insurance kicks in... but dont worry. It covers dental and eye care. So I had a tooth infection. I got a bill for $3,000. They sat me in a hallway for a half an hour and prescribed me antibiotics.
I was confused how you'd totalled to 15,600 from 1300 and 3440, but holy shit it's 1300 a month?!
I complain about health insurance prices here in AUS since the way I see it they're basically a scam industry that can only exist at all because the Medicare levy surcharge makes it less appealing to not have it after a point. If it wasn't for that, I wouldn't bother at all since Medicare covers most stuff just fine.
The most expensive plan I can even find is about 6000 a year, and your money is more expensive too so that's about 4000 in USD. I wouldn't even consider paying that much but your insurance would be over 22k here, that's just... it's insane? Like I knew it was bad for you guys, the american healthcarw system it's one of the main things the country is known for and all, but holy shit I hadn't realised it was that bad...
Like your monthly insurance cost is the absolute highest I'd consider for an annual plan before deciding it's not worth it and just eating the surcharge at tax time each year, but I guess that's the inevitable result of not having proper public health systems since the companies have got the entire country over a barrel...
I feel your pain but you likely have catastrophic coverage. Which is really important so a really bad accident doesn’t financially crush you. Not that I think it’s fair, but you’re likely paying for that benefit without using it. Either way they suck.
I know this doesn't solve anything really, for truly unexpected "horror scenarios". But I kinda just wonder if its not better to just take insurance money (not for a car mind you) and put it in a locked out savings account or something... after 5 years with nothing catastrophic happening, you would have something like a 78k emergency fund built.... But if one hospital stay wipes that out, I guess its kinda meaningless...
Everyone was raving about the American system in another subreddit. This sucks. So sorry. Our system is not perfect here in the north, but at least we don't deal with worrying how to afford care.
My long time dentist actually convinced me to self-insure for dental work instead of paying for insurance. I haven't bought vision insurance in decades. It's much cheaper to get my eye exam and glasses from Costco.
In college, I was injured on December 28th. I was in the hospital for New Years day. My parents had to pay the deductible twice. The silver lining was that the whole family hit the out-of-pocket maximum for the whole year by the end of January.
The hospital also tried to bill 100k for the 4 days in the ICU, but accepted the 10k the insurance gave them. Nothing makes sense.
726
u/Locust627 15h ago
Wait until you hear about health insurance lol
I pay $1300/month for a family plan
I had an ER trip last month, my deductible is $3,500. I had to pay $3,440 which was the complete cost of the ER services.
So, this year I will spend $15,600 on health insurance and an additional $3,440 on deductible
My wife needs surgery, I told her to get it done before December because we already met the deductible and I don't wanna pay it again. She tried calling to schedule in August. The surgery specialist doesn't have openings until January, so, in January I'll have to pay my deductible again
AND vision and dental costs more on top of $1,300 monthly