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On the Planning for the Unexpected

Last week was your average week. Work was normal. I got to go on some errands for my sales people which is always nice to leave the office for a bit. Nothing super exciting was happening but I was happy nonetheless.

Until about 3am Friday morning when I was woken up with stabbing pains coursing through my stomach. And it lasted for hours. Instead of going to work when my alarm went off, I went to urgent care. And urgent care sent me to the ER. Where I was for the remainder of the day being rehydrated.

Gracious, I don't even want to see the medical bills from this. But I'm also slightly curious about how much one bag of IV fluids cost! I can guarantee you my deductible was met and then co-insurance kicks in at whopping 40%. 40%! Enough to make someone bankrupt in one ER visit. How I wish our medical system didn't cost so much.

My inner personal financeur kicks in right about now giving myself a good pat on the back. Because if it wasn't for my HSA account and emergency fund, I'd be bankrupt and moving back in with my parents. Folks, it's absolutely worth it to scrimp and save and eat at home and make your own coffee and opt for movie nights instead of big dinners out in order to not have a major panic attack when the unexpected hits.

I never used to plan for medical "events" to happen until I had two in one year. And one of them cost me $2K out of my own pocket. I plan a bit better now so that I am more prepared when the unexpected comes. Oh and it will come. You are not exempt. I thought I was and it cost me so much money.
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