Tuesday, January 20, 2009

Ok Personal Crisis Time

So, Bill got a call from the financial person at the surgeon's office. They say he has not met his deductible for this year!!! WHAT! His insurance is from March 1 to Feb 28 so how in god's green earth have we not met the deductible. Because trust me we have met it. Then they tell him they need half of what our cost is going to be up front! Ok, we have the money but it is in ING and I immediately transfered it. It won't clear our bank until Friday. They want the money Thursday. So I guess we will have to put it on the discover, which will put us within a couple hundred of our limit (it is only a $3800 limit and Friday is payday so it was going to get paid off Friday). They said our portion will be $2500 because we have not met our deductible (just for Dr. Strang). Well, that should only be $1600 ($1000 deductible). Which, we still have to come up with $800 on the fly (only have $140 in our checking account right now). UGH. Maybe I'll just break out one of Bill's old CC with a high limit to put it on. This sucks. Bill is going to call his insurance agent to figure out what is going on. Considering the house is not going to get closed on in 10 days (thanks to stupid Real Estate Agent Tammy, the dumb blond) and the sale may not go through at all, $1000 is a big deal for our immediate future. In the grand scheme of things, $1000 isn't going to make or break us. In fact in the grand scheme of life the last year probably didn't effect us that much at all when we look at it 30 years down the road. We may be better off because of it, but right now it hurts. I put my entire bonus into savings and it sucks to know that almost half of it is going to be gone by Friday. Ok, I have to stop my crazy ramblings and get to work.

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