Reply to I need about $20k to get us through a layoff-home equity loan?

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Reply to "I need about $20k to get us through a layoff-home equity loan?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Y'all are so off topic. OP's kids are small and don't have mental health issues. She was just living to the max and it bit her in the a$$.[/quote]

My child was diagnosed with a mental health condition when she was 2.5 yo. We've spent thousands on therapy for that condition.[/quote]

Also to add, none of the therapists that treat that condition are in-network for any insurance.[/quote]

So you use your health insurance, and the following year you budget for it. No one is saying medical costs are not obnoxious, but [b]they’re hardly surprising.[/b] That’s literally the point of health insurance - to limit surprises and allow you to budget. You are bad with money if your kids’ multi-year health condition frequently made you broke. [/quote]

DP: The sanctimoniousness combined with cluelessness of people here is so obnoxious. Medical costs hardly surprising?? It's not like they don't drastically change year to year for children and treatments for children often fall in uncovered/off-label category (even many pediatric cancer treatments!) so they don't count towards out-of-pocket maximums so you can't use that as a guide either.  Not to mention how you might find yourself unable to work full-time because of caregiving demands or having to find more expensive childcare than everyone else.  I'm not saying OPs in this situation, but PP here in my view made some appalling more general comments about people who are dealing with developing children with special needs whose health needs unfold and change over time.  [/quote]

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