We have had medical issues between dh and dd

BC/BS has put out 100’s of $1000’s more dollars than we have spent in premiums over the last 29 years since dd was born. Then in the last dozen or so years dh has had several stints put in. One of dd’s or dh’s hospitalizations could bankrupt a family. None of that included the 10’s of $1000’s spend on our son who lived only 3 months and was in Pediatric ICU around 60 of those 90 days.

Any one of dh’s, dd’s, or ds’s illnesses could have caused the break up of our marriage. So thankful it didn’t. It has not been easy or cheap to pay for insurance but it has been cheaper than trying to pay for 100% of the bills out of pocket.

I am posting this the night before because I am not certain where I will be tomorrow

We are blessed to have great medical insurance. Despite the hassles I have had this year making certain the deductibles were applied correctly I am so glad to have it.
Without getting into the gory details this last week could have been a major blow to our retirement plans. The next few weeks don’t look much better, but I am optimistic.
Basically I, a normally very healthy person, got rushed to er with chest pains and all the classic heart attack symptoms. No I wasn’t having a heart attack, I was having a no blood problem (long boring story). Two days in the hospital, back home, scheduled to go back this week for a 3 day to 2 week stay because of a necessary surgery and testing.
However, what I don’t have is financial worry, because we bite the bullet and pay for good medical coverage ever month. So the lesson for this week kiddos is no matter how heathy you think you are don’t skip on the medical insurance. Between my dh and myself this last year may top $200,000 in doctor/hospital bills, far more than that insurance has cost us. Peace of mind where finances are concerned makes it far easier to concentrate on getting back to better health.

My husband is a gentle man who generally just goes with the flow, but yesterday he was ANGRY

As you already know he is an electronics junky and he has been using a 10 year old laptop for his computer as we walk the walk. Over the last several months we have saved up to buy him the laptop he truly wants. Yesterday was the day. We had purposefully waited until Nov. 1st to go buy it, because we knew if it was a Black Friday item Best Buy would refund the price difference without us having to fight the crowds on Black Friday.

All went well until we went to pay for it. The first mistake was ours, we forgot there is a limit on the amount you can put on a debit card. So that was declined.

So I wrote a check, and Telecheck declined it. Now we are starting to get pissed. Our account has 3 times the price of that computer in it and they are treating us like we are criminals. Our ffef at the same bank has even more in it.

Gary called tc and was told it was because we had wrote too many checks last week. One actual check had cleared our account, and it was for less than $50 for our AZ property taxes. Too many? Who were they to tell us how many checks we could write? Gary talked to them for nearly 15 minutes, but they wouldn’t back down. They in fact told him we couldn’t write another check of any amount for 72 hours. Thus supposedly tying up all our cash as far as checks are concerned.

I checked our bank balance and it was exactly as it should be. No hacking. Needless to say we left there in a foul mood and with no computer despite them pushing hard for us to do a six months same as cash credit card. Yeah like we wanted to fall in that mine field.

Next we went to Sam’s Club to pick up milk, cat food and the all essential toilet paper. His debit card would not work! Luckily he had his gas debit card on him and he could pay the less than $60 bill with that.

To say the man didn’t sleep well last night is an understatement. Here we are cc debt free, more cash in the bank for extended periods of time than we have ever had and we are treated like criminals.

I called the bank the minute they opened this morning ready to close our 40 year old account with them since telecheck had swore it was all the bank’s doing.

Nope, not true at all, our bank has no partnership with tc, even if they did tc would have no way of knowing how many checks or debit card transactions we had done and now the bank was angry too.

The bank contacted tc to find out what was going on and was told dh never called them. The bank officer told them they knew different that we had proof of a 15 minute phone call to tc. Then tc admitted that “some how” the check had been ran through their computer system 3 times in less than 5 minutes and they had decided, despite both Gary and I being present with photo id, that because we had not written a check at BB in 10 years or so and the phone number on that old check was different than the one we gave the cashier we were criminals!

I don’t know what the bank officer said to tc at that point, but Gary will be getting the computer and an apology on his way home tonight.

On a better note, bcbs is refunding even more money to us, and extending our 2015 deductible by 31 days. Considering all the medical testing and doctor visits we are both having this is a very good thing.

On that front all our tests are coming back good.

I also came in $100 under budget for my new eye glasses that I pick up this week. Because the Fornells they put on glasses 18 months ago are working so well we decided against eye surgery until I need it for my cataracts, which shouldn’t be for a few years.