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 they’re hardly surprising. 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]

It is obvious you haven't dealt with high quality therapists and psychiatrists.  If you can get an appointment, very few accept medical insurance.  I waited a year for an appt and pay close to $300 an hour for my dc's therapist and none of it is covered.  Yes, I can use HSA but that is a drop in the bucket.  [/quote]

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