Unexpected Costs

"I'm sorry, sir, but while you are entitled to twenty physical therapy visits per year, we only cover the cost of the therapy after you've met your deductible."

"But that's $2,000.00."

"Yes, that's correct, sir."

"But the woman I spoke to before I started the therapy several weeks ago said that it would all be covered without any cost to me."

"I'm sorry, sir; I don't see that in the system, but you can appeal it if you'd like."

The really interesting part is that there is no way you could meet the deductible with twenty visits, and it's unlikely twenty visits would ever be enough to recover from surgery. Not to mention the fact that you'd have no coverage if you should need any therapy for another injury later in the year. What a brilliant system. Pay for insurance that never really affords you a benefit. Brilliant. I'd imagine my office saves quite a bit with having this coverage in place. Unfortunately, I don't make anywhere near as much as the partner that selected this plan and am unable to so easily absorb the additional out-of-pocket expense.

My day could really only get better from there one would think. However, as the day wore on, I started hearing about terrible things that were happening to others and it was hard for me to feel bad for myself. A woman who used to work at my office has a husband who will die from cancer within the next week or two and a friend of mine lost his house in a fire. Not to be outdone, I immediately got sick. I know it still doesn't quite measure up, but having lost two homes to fire in the past and almost losing my mother to cancer, I feel like I should get some credit for it.

Our office took up a collection for the woman. We're not sure how helpful it will be or if she'll even be able to pay all the medical bills that are sure to be accruing right now, but we figured it should be helpful to at least help her buy some food or something for now. It's hard to know what to do when tragedy strikes. I remember reading recently, about all the people that donated money to an organization that was supposed to help the families of the firefighters that lost their lives in California last year, only to find out recently that the money raised may not qualify for the charitable deduction. It makes me wonder what would happen if a person hit hard times and needed to file bankruptcy but because of all the money being donated to them, they couldn't qualify for relief. What an odd predicament that would be.

It now remains to be seen how I will be able to afford the surgery I am supposed to have next month, and still pay my rent. I think it's rather odd that I'm an attorney and I have to worry myself with questions like this, and I'm still undecided about how I feel about the fact that I cannot deduct the interest I pay on my student loans every year, as I make just enough in gross income to meet the phase-out limitation, but still not enough to afford my medical bills, as half of my annual salary goes directly to student loans and rent.

It always reminds me of a message my friend's father had on his refrigerator when I was growing up, "Due to financial constraints the light at the end of the tunnel has been turned off until further notice."