Quote:
Originally Posted by Sadley
Tell me about it. I'm only 24 years old but I have had severe depression all my life. I have spent so much on medical expenses in my life it isn't funny. I simply cannot afford meds or therapy. I've been working for almost 5 years and every year I have hit my insurance's deductible and out-of-pocket maximum. This year they are increasing both of them and the max being $5,000. So that's an extra $1,000 out of my pocket I have to fork over when I don't make even $30,000. It is extremely difficult to survive in this life. The costs of living and healthcare are increasing way faster than my income. I am currently spending more money than I make, because I have a really expensive rent, and my current rental company is just nickel and dime-ing us to death. There are extra hidden fees for EVERYTHING. It's 100% BS and there is nothing I can do about it. So I sacrifice food and clothes whenever I can. I haven't bought myself any new clothes this year. I'm sure my co-workers are thinking my fashion has grown stale. But that is the last thing I can worry about when I'm trying to survive.
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I'm so sorry that you are going through so much to just get help...
I will tell you what a friend of mine had to do this year... She had a 3,000 deductible and no way to pay for it. She went to 2 Er's in Jan 2014 a week apart and to 2 different hospitals.. So on paper she met her deductible because of the outragious costs of an er visit.
She set up payment plans of 15.00 a month to each hospital they wanted more of course, but they accepted her payment with a letter from her saying this is all she can afford. They cashed her checks so they basically agreed. As long as she makes her monthly 15.00 to each hospital they can't do anything about.
Met her deductible this way and was then able to afford her co payments easier.
Just a thought.
