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Worried, scared, upset... :(

Posted by on Nov. 15, 2012 at 5:08 PM
  • 29 Replies
I got injured in a softball tournament on Aug 11. Went to the chiropractor for 5 weeks, including physical therapy there for 3 of those 5 weeks, but that didn't help at all. Went to my family dr who first put me on anti-inflammatory steroids that didn't help, then sent me for x-rays and an mri. Found out I have a herniated disc in my lower lumbar and degenerative changes in my lower spine. My fam dr is sending me to a back specialist at OIO (orthopedic institute of Ohio) but it took me a month to get in. I go this Tuesday.
In the meantime I went back to a different chiropractor (because the first one I feel he did everything wrong but that's a long story) and I'm still going to her. I had a really bad day today with the pain and she told me if I don't get better soon then I'm going to have "inevitable consequences" in the end, meaning surgery.
Surgery is the LAST thing I want. I'm only 28 years old. Oh, and she also decided to tell me that the surgery for this is $50k. Idk how true that is...its not like she knows what kind of insurance I have...but still. Idk how much longer I can keep going to her. She's $29 a visit and I go 3x a week. That's $350 a month. That's more than I pay for my house :(
Not only that, but ALL of the financial responsibility for my family of 4 is on me right now because df got hurt at work in Sept of 2011 and had to have surgery that went terribly wrong. He's still off work and fighting with workmans comp to get paid so he has ZERO income.
Idk what to do. We're barely scraping by. At least all of his medical bills are covered by workmans comp, but mine aren't. And I have to pay the chiropractor every time I go. She won't bill people. And now Christmas is right around the corner and we have 2 kids.

I'm just beside myself with what to do on this. I feel like I'm going to have to be in this much pain forever because I can't afford to get fixed. What would you do?? :'(
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by on Nov. 15, 2012 at 5:08 PM
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Replies (1-10):
jhslove
by Bronze Member on Nov. 15, 2012 at 5:12 PM

Do you have health insurance? If so, why can't you have the surgery that would help your back?

grey7399
by on Nov. 15, 2012 at 5:13 PM
Talk to your doctors aabout disability.
JustMe0326
by Platinum Member on Nov. 15, 2012 at 5:14 PM
I do, and its decent insurance at that. But they will only cover 80%.
80% of $50k is still $10k. Idk where in the world I would come up with that.


Quoting jhslove:

Do you have health insurance? If so, why can't you have the surgery that would help your back?

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jhslove
by Bronze Member on Nov. 15, 2012 at 5:16 PM

See if your hospital will let you do a payment plan. Many will; they'd rather get their money a little at a time than not at all. Also, check around with different facilities--many hospitals charge different rates for the same procedure. Check every hospital in the area that takes your insurance; find out how much they'd charge and whether they're willing to let you pay over time.

Quoting JustMe0326:

I do, and its decent insurance at that. But they will only cover 80%.
80% of $50k is still $10k. Idk where in the world I would come up with that.


Quoting jhslove:

Do you have health insurance? If so, why can't you have the surgery that would help your back?


JustMe0326
by Platinum Member on Nov. 15, 2012 at 5:16 PM
For me?? Aren't you not allowed to work when you get disability?? I can't leave my job. I have a great job that I love.
Df does has a hearing for temporary total disability sometime next month.


Quoting grey7399:

Talk to your doctors aabout disability.
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jhslove
by Bronze Member on Nov. 15, 2012 at 5:17 PM

Oh, also--you said that your husband isn't working because his surgery went wrong. Does that mean that they messed up the surgery and your husband can't work because of it? Because if that's the case and he can prove that his inability to work is due to malpractice, he may be able to get compensation for that.

m0m23b0ys458
by Silver Member on Nov. 15, 2012 at 5:24 PM
DS goes to OIO for his Kyphosis.We go on the 26th to discuss surgery.I hope things get better for you.
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Rhonda142
by Silver Member on Nov. 15, 2012 at 5:25 PM

Don't expect Workmans comp to come thru for you anytime soon without a attorney they suck my mother in law fought with them for 10+ years they pretty much starve you out till you give up. And you can do the family medical leave act will work for you and it will make sure they cannot fire you and you can keep your benifits. And I agree with jhslove call hospitals and see who is cheaper for the surgery.  With the medical leave it will give you time to heal before you go back to work not sure of any compensation though. I would save my money with the chiropractor you could put that money back to cover your surgery espeacially if it isn't helping.

m0m23b0ys458
by Silver Member on Nov. 15, 2012 at 5:33 PM
Just an FYI,Lima Memorial is cheaper than St Rita's.Least that's what my insurance said.
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JustMe0326
by Platinum Member on Nov. 15, 2012 at 5:35 PM
Correct. He can't work because of the messed up surgery. He has a lawyer who is "fighting" with everyone for him but its taking FOREVER. Appeal after appeal after evaluation by this doctor and that doctor and a month in-between anything happening. It's a nightmare.

Quoting jhslove:

Oh, also--you said that your husband isn't working because his surgery went wrong. Does that mean that they messed up the surgery and your husband can't work because of it? Because if that's the case and he can prove that his inability to work is due to malpractice, he may be able to get compensation for that.

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