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As any
family dealing with a medical crisis, our family is doing our best to meet our
financial needs and financial obligations. I am happy to say that we have
successfully made it through another month. For us, this is worth sharing
because it has been a challenge at times.
In February
we completely drained our savings account to pay medical bills. In March we
received financial help from friends and we used the gift to pay down more
medical bills. This month we received our income tax refund and again used it
to pay down medical our obligations.
About three
years ago, and before Jim’s cancer crisis, I had put our family on a “financial
diet” to try to pay off all of our debts because I dislike paying interest. That plan has been indefinitely put
on hold. No extra payments are being made on any of our debts; instead we are
focusing on our minimum payments so that we can try and pay all of our medical
bills. I am doing whatever it takes to keep Jim’s treatments going and to stay
even with all of our obligations.
My job pays
near minimum wage, but it is steady income and more importantly I truly love the job. Jim is
receiving another month of short-term disability at 60% of his previous gross,
but we have 100% of the bills in addition to the added medical expenses and all
that goes along with that. Jim has to re-qualify for short term disability
every 30 days, so we never know from month to month if we'll have enough money
or not. Jim will not be able to return to work for quite some time. We have to step out on faith and pray that the disability is approved each month; as well as make up the 40% shortfall. That is so very stressful to us both.
Our
biggest budget adjustments have been: gasoline, groceries, and co-pays. Gasoline to get to all of the various appointments that Jim must attend. Pre-cancer we hardly drove the car anywhere at all but now we are attending many medical appointments per week. Groceries so that Jim can eat healthier. We have always eaten a balanced diet but now we must greatly increase the fresh vegetables and fruits to help Jim's body fight the cancer. Co-pays are $35 for every single
appointment, chemo treatment, consultation, lab work, x-rays, etc. I quickly learned that co-pays and deductibles are not the same. Our co-pays are in addition to our deductible (20% of the bill); and in addition to the over-the-counter meds and vitamins that are not covered at all.
Please keep
in mind that I'm not complaining, just stating that ‘it is what it is’ and financial issues are part of the picture. We are happy that we are still maintaining this month. We are proud of the fact that we have met this challenge again this month.