Reply to Earning Well but Drowning in Debt...how to dig out?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]The $8k after one of the pregnancies could have been therapy for PPD pre-ACA, when mental health wasn't covered like physical health. At $100/session it can add up. Could have also been marital counseling, which is really spends.[/quote]

That is speculating. It's also possible that OP had major surgery and was under a plan when she had to pay 15% or 20% of the costs after a certain amount. I recently had a very simple surgical procedure that lasted 45 minutes, but cost me close to $4k because Blue Cross Blue Shield Standard required that I pay 15%.  Bills to surgeon. Bills to hospital. Bills to anesthesiologist. Bills to pathologist, etc., etc. I can definitely see how it's possible to have $8k in medical bills as a fed. if something isn't covered entirely.[/quote]

I don't.  Most plans cap out of pocket costs and exclude infertility (if it's covered). Our plan is 3k. [/quote]

My BCBS catastrophic maximum is $5500 as a single person. [/quote]

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