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][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]
+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. [/quote]

OP is not identifying this as an issue.[/quote]

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