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Just Getting Ducks in a Row

Posted by on Oct. 15, 2014 at 6:56 AM
  • 3 Replies

Once again I am looking for some helpful advice from all of you wonderful ladies.

As I had mentioned I keep worrying about our little one and her recent back issue.  I am doing the best I can to keep it together, but here's my worry. DH is soul provider with great health insurance, but there are some costs above and beyond for certain things. So I am wondering how we are going to be able to afford physical therapy for her, back braces, etc.  I wouldn't dream of denying her those things as she needs them badly, if that's what her specialist decides.

I am more than willing to pass on a CPAP machine for myself to have the funds for her, if my sleep lab this week shows I need one.  I've gone for years feeling tired and snoring that I figure a little longer until we can afford it won't bother me at all.

I am just working on having our ducks in a row when we see her doctor so we know where we are financially at the time of her appointment.  I am willing to do whatever it takes to take care of her first.

I am just worried as college loans are due, we have a house payment, no car payments (Thank heavens!), other medical bills and the every day bills. Utilities, etc, and no family members to lean on for money if she would need therapy and all.

Any advice anyone has will be greatly appreciated.

Thanks.



by on Oct. 15, 2014 at 6:56 AM
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Replies (1-3):
wandep
by on Oct. 15, 2014 at 7:27 AM

CPAP machines are covered under insurance at least my mil's and dad's were. 

ablackdolphin
by Bronze Member on Oct. 15, 2014 at 8:01 AM
Pt is usually covered by insurance too. Have you met your deductible?
TigerofMu
by Bronze Member on Oct. 15, 2014 at 9:10 AM

Most of those costs (PT, CPAP, Braces) should be completely covered, at least once you meet your deductable.  I would contact your insurance company for specifics, or sit down with your doctor and express your concerns and have the doctor's office negotiate with your insurance company if htere is anything that is not covered.

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