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Wednesday, April 15, 2020

Facing Financial Hardships: Day 8

Facing Financial Hardships

Day 8

by Patsy Norwood

(c) by patsy norwood  All rights reserved!

What a week!  But it’s not over yet, you head out to the mailbox to get the mail.  You’re hoping something good comes and not another bill that you have to figure out how to pay.  You get your mail and as you're thumbing through it on the way back to the house, not really paying attention to where you’re walking, you trip and fall.  In trying to get up you realize your right arm is hurt.  You manage to get up and get into the house and it is decided by all that a trip to the emergency room is in order.  You groan from the pain and from the additional expense this is going to cost.


Once you’ve been seen and your arm x-rayed, what you feared as happened … you’ve broken your arm.  This means a visit to an orthopedic doctor, follow up visits and more money that you will have to come up with, not to mention how this will limit what you can do to help during this time of unemployment.

How are you going to deal with this unexpected expense?

Where are you mentally?

Patsi 

Sharing 42 years' experience of frugal, prudent living and pantry building 

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13 comments:

  1. Wow Patsi, I assume the 'you' in your post is actually you. i am so sorry that happened to you.

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    1. Miriam, no, this didn't happen to me, it's a scenario in the class I've written and taught. Thank you for your concern though!

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  2. This is one thing that I am very glad I don't have to worry as much about as a Canadian. Hospital and doctor visits are covered under our health care. Also, our health providers are really helpful if you let them know you are struggling financially to pay for things not covered. They will ask pharmaceutical reps for free samples or discounts, tell you about programs to look into for help, give you free supplies from their office, etc. It is really incredible what they will do to help you get what you need, if you absolutely need it and can't afford to pay for it. We have had to pay for expensive medications that were not covered in the past, however. It was difficult, but the meds were needed. So we found a way to pay for them, by cutting back in other areas as needed.

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    1. Rhonda, health care here is very expensive, even with health insurance, the portion that insurance doesn't pay can be quite high.

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  3. Well with everything going on where I live, I am not going to the hospital. I would call my doctor and do a video call with her. Then go get x-rays. I would have to get it casted too. I would have my gloves and mask during all of this. I would hope it is my left arm since I am right handed. My Hubby and kids all can cook. I have easy meals premade in the freezer at all times. I have been down with vertigo many times so we would just take it day by day. I have a very well stocked medical cabinet so I already have the pain killers if needed. Things would get done slowly and I would have to be OK with it.

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    1. Making Cents Of It All, hubby and I are both trying to be very careful and not get injured. I agree with you the hospital is the last place I want to go to right now.

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  4. All I have to say is that I am glad I am not this person! Calamity follows her wherever she goes!

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    1. Bahahaha ... Lana, thank you! I needed to laugh and your comment did it!

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  5. I'm also Canadian so I'd head straight to the hospital and have it all taken care of with no out of pocket expense.
    If I needed physiotherapy afterwards I could have it done at the hospital - again for free - however, I do pay for some additional (and company subsidized) extra benefits so I'd choose to go to a private physiotherapist and it would be covered - my coverage is up to $1500 per year.

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    1. Margie, good for you, sounds like you've planned wisely!

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  6. I experienced this about a year ago. Thankful and blessed that we had insurance but it is still painful. Just had to have it in a sling and therapy. Hope it doesn't happen again but we are so glad we have insurance at our age. Nancy

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    1. Nancy, I'm glad that you have insurance too!

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  7. I hope you are doing better and pray that you heal quickly.

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