It was a stupid suggestion. No need to respond. |
+1 This is true for other specialists than therapists, too. My preschool aged dd has severe medical issues that to date have not easily been fully diagnosed. She finally had an appointment with another specialist 2 weeks ago. As an example, we had to pay $480 when we booked the appointment 5 months ago. We paid another $480 at the appointment. The tests we have had as follow up so far have cost ~$1100 in a combo of payment up front, one test not at all covered by insurance and copays. It’s likely that when they are all processed we will have another several hundred if not thousands in lab bills. One prescription is not covered by insurance and is $300/month. The other prescriptions end up costing us several hundred a month. Add in our copays for all of the othwr dr appts, therapies, etc and we are spending thousands a month. To top it all off, I am not currently working bc it was impossible to manage the dr appts, calls, therapy appts, etc while working. This is basically just an example of our medical surprises in September. We spent north of $60,000 in medical expenses for her last year. We have excellent insurance so for someone to say use your insurance and budget for it is infuriating. |
What industry do you work in? |
We did not go broke (thanks for your concern, lol) but it was tough. We have an only child and it was thousands for 6 months of weekly appointments with one therapist. We are privileged that was all our child needed. I don't think you understand what it means that none of the high quality therapists take insurance. Sure, we could have stuck with the awful therapist that was in network, but it would have been a waste of time and money, because it wouldn't have done anything for our child. That doesn't change from one year to another. And no, with young children the needs are not predictable. |
OP is not identifying this as an issue. |
Some of us do and that's why we paid $400-500K for our house, not $800K-1.5million. |
OP is saying she spent a lot of money on unexpected medical bills for two SN kids. Just because she’s not providing her life story doesn’t mean that it *couldn’t* reflect what the PP above wrote. So many judgmental people on here. It’s a sad reflection of our world. |
Ok? Do you want a medal? |
Why not? Like the companies care about you? I once turned down an offer from a company I was working for as a contractor, just for another company to tell me that they rescinded the offer I accepted. My honesty or stupidity left me with no job. What do you care? |
Wild guess but OP you sound like someone who probably supports universal health care. This exact statement is why I take approximately zero of you seriously. |
I'm not OP. I am someone who has lived in a country with universal healthcare, and yes I think that would be better in many ways. I got much better mental health care there than I have here. I certainly don't see how it would be worse than our current system. |
OP, I'm not one of the critical PPs but I do think you probably need to review your finances. Will this new job allow you to save more? Or do you expect some expenses with the kids to decrease soon? Because if almost all your money is still going out the door toward the house or medical expenses that is still a risky way to live. What if you were laid off again? Look, I'm sure you bought the house before having special needs kids and it was manageable, but circumstances have changed. |
I would cut expenses down as low as possible.
How old are your kids? I would start with the balance transfers with 0%. It sounds like the childcare is the expensive portion. I personally would not go into debt for childcare. Sell anything you don’t need. You can try for a home equity loan. Not sure if you would qualify. You could try for a reverse mortgage. |
Pp here. The bank will bleed you dry. |
A lot could be $200 or $5K, we've spent a fortune but we made appropriate housing and other choices and eventually found therapists who would take our insurance. OP is not specific so its not clear but clearly she cannot afford her lifestyle and needs to sell the house. |