It is really hard in life to not take things for granted. Most often times don’t even realize that we have done it until it is too late. At least that is how it is in my case. I am realizing more and more lately how many things that I have not even thought twice about only to turn around and have it change suddenly on me.
This year, our insurance changed. Before I would complain at our high co-pay of $15 or $20 at the doctor office. I would make appointments left and right and take my kiddos in at the first sneeze or other sign of a cold. My entire surgery was covered and Toad’s two week hospital stay was $300.
This year, with the other budget changes, our insurance came up with a brilliant new plan. We pay everything out of pocket until we hit a HUGE deductible. Then and only then do we start paying co-pays and having things covered at 70%. I guess that this may be normal for a huge amount of people but, for me, it has taken me by storm!
So, we managed to make it almost a month into the new year without a doctor visit. Yep, I was surprised too. On Sunday I took Nena into the doctor for severe ear pain. Yep, another ear infection. No biggie. We have several a year. Nena is allergic to penicillin and we have to use Omnicef, which, has a generic! Yeah! In the past, it has cost around $14 to fill this particular prescription. However, this time when I went to pick up the script, I was floored that with our new pay out of pocket insurance, the GENERIC was nearly $80! HOLY COW! And no, there isn’t a place that fills that for $4.
Bear is on a daily med that used to be pricey in my opinion at $35 a month. We are now paying nearly $200 a month! Seriously! How cam I supposed to afford this????? To add to that, I have two children with asthma that require about 3 meds each per day.
So…. here is what I have come to that makes me sick to my stomach. My little Toad is sick. He has had a fever for three days, a really runny snotty nose, a deep chesty cough and is miserable and I am questioning taking him to the doctor. This is something that I would ordinarily race him to the doctor and just get him checked out. It is a fifty/fifty chance (in my opinion) as to whether or not they can do anything for him. I am nervous to take him and drop several hundred dollars on a doctor visit where they tell me to run a humidifier, dose him up with Tylenol, keep him hydrated, yadda yadda yadda! On the other hand, I don’t want to regret NOT taking him in if it is something that is a bit more intense and requires a prescription.
I have called the nurse on call who is very kind and understanding of my situation. She has told me to wait a day and watch. If he worsens by this evening, bring him into the nighttime pediatrics.
I have always been grateful that we had insurance. I have always been grateful that we had GOOD insurance. However, I now feel scared and that my hands are a bit tied that the company has decided that in order to save costs on their end, I have to worry about taking my child in for a doctor visit.