Some mornings, taking too many pills is enough of a reason to not be hungry. They’re almost a meal in and of themselves. Am I right? I’m right!
I’ve seen some handfulls of pills from CFers on Facebook recently and got the notion to head to the table and grab all of my pills throughout the day. When that wasn’t enough, I went to the closet and refrigerator and got all of my neb’d meds, too. Something was missing… oh, my colistin from the basket next to my treatment spot!
That about covers it. This is what I take every day. Day in and day out.
Ready for your mind to get blown? What is the street value of these every single day if I didn’t have insurance? Some of these are a guess based on what we’ve been told about them if insurance didn’t cover an item while some have switched to mail-order, which doesn’t let me brag about saving $3000 on a prescription. This is my best guess, so, drum roll, please!
$12,960/mo = $432 every single day. That’s $52/hr for an 8 hour day or $18/hr every hour around the clock. For those keeping score, that is $155,520/yr – a number that still eludes my money-generating powers so…
This is why I don’t moan and whine about how much insurance costs because I eek out everything possible. My insurance alone is approaching $700/mo but it’s because it covers all of these items with no questions asked. Beautiful’s plan is under 1/3rd my price, but she doesn’t use hers much, so we more or less pay for her meds and have insurance to keep us from being bankrupted with a hospital visit or an $18,000 spectrum of tests that no one ever expects.
Sure, I’d rather pay $240/mo for the both of us like we used to when someone was kicking in on the premiums, but my lifestyle is so much better than it was then, so to have to earn an extra $600 between the two plans is a small price to pay to be able to do what we do. My state of mind is better. My ability to take a day or part of a day off just about any time I want is priceless to me. Today was sort of a blah day with my stomach, so after my 1pm call, I went to the spare bedroom and took a 2 1/2 hour nap. My phone didn’t ring, no life-shattering e-mails went unattended, and I was able to feel better just by relaxing.
I love our life.

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Demote: Socialism + Healthcare by ~JFox343
Some people have asked me in comments and via my contact form about my health insurance, so I thought I’d put my story here for everyone’s benefit. To this day, and I imagine forevermore, my article: Fatboy’s Take on the Healthcare Reform Bill will remain one of the most popular pieces on here. Things to keep in mind regarding this information:
- I live in Florida
- I’ve never been on disability anything
- I’ve never had a lapse in health insurance coverage
I’ve been on COBRA insurance several times in my career while switching jobs and had an individual policy with the company after I decided to convert it once before. We’ve done it again, so now I have a $5M policy with the same insurance company I’ve had since 2000, but my lifetime limit has reset every time I go onto a company plan and back onto an individual policy. We’re at about $60k so far – no sweat – but going back to my first insurance policy, I never gave any of that any thought.
Click to continue reading this article…
We’ve been receiving medical bills in the mail since March, and it’s been freaking us out. We assumed it was because my Vest got written off from last year, we had not met our deductible and everyone was cashing in all at once. Each had to be the first to get their money before we met our out-of-pocket limit. It was a logical conclusion, but not correct.
When in doubt, look at your policy
We finally started looking over our policy during dinner last night. After we got to the correct page, we were still dumb-founded for a little while until certain words stuck out: calendar year. Since my company insurance (same health insurance as I have now) was based on the company open-enrollment date of April to April, we had assumed that the deductible resets on April 1st. Wrong. The deductible re-starts in January, BUT the good news is that the Vest write-off ended up being a life-saver.
This is going to be a good year
So, this year we will be done with medical expenses, minus co-pays and premiums now, plus the time it takes us to pay these guys the money they’ve invoiced us for. It shouldn’t be long at all because business is really picking up again after taxes and graduation is in 2 weeks from today!
We hate surprise bills, and it looks like this is the end of them. One more is on the way – and maybe one more after that one, but that’s it for the year.
The plan for next year
We are going to set up another savings account to fill with our maximum out-of-pocket expenses for next year so we can just pay out from there when the time comes in 2011. I’ve got me a smart woman, wouldn’t you say? Beautiful is a babe and a brain.