Being sick as an adult sucks

R

rtchorn

250+ Posts
When I was a kid, I didn't mind being sick. Even if I was practically on my death bed, it was still better than being in school. Usually, I would spend the day playing video games and watching TV. If it was bad enough, I would go to the doctor, but that usually meant I'd get some ice cream afterward.

As an adult, being sick just plain sucks. Beyond the fact that being sick is just plain miserable, there are a ton of other things that suck. Although I am not at work, I know that as soon as I get back, all the stuff I missed while I was gone will be piled up on me. All the projects I have been procrastinating on will be that much closer to their due date. If I decide I need to go to the doctor, I am going to have to find a doctor, make an appointment, and drive myself over there. Not to difficult for a healthy person, but when you're sick, it's fricking murder.

Beyond that, I am going to have to pay for the visit and the prescription out of pocket. I made the genius decision to go with the PPO option my company offers. Based on my compensation level, my deductible is $3000. So everything I do comes out of pocket. I'm so cheap, that I think I will have to be on my death bed before I call. In the meantime, I will just test out how serious those drug interaction warnings are on Zicam and Theraflu.
 
You're a fool if you don't just go to an urgent care and have them give you some antibiotics. The fiance was deathly ill for a few days before she finally went. One shot in the *** and 2 prescriptions and she was literally feeling better that day. It's worth the $200 or whatever it'll be.
 
Based on my compensation level, my deductible is $3000.
__________________________________________________

Ive never heard of a policy that high...wow...hope it is completely comprehensive after that...i don't know what you have but i have been sick as well, got a steroid shot in the morning and started taking my antibiotics and the shot made me feel better by the afternoon, today i am almost back to normal..
 
brickwall.gif
 
Echo: You don't ever lose any money in your Health Savings Account. That's the beauty of it. You threw 600 dollars down the tubes that could have gotten you triple tax advantages. You get to write it off from your income, lowering your income tax burden, plus it can grow in an account tax-free, and then you can make withdrawals tax-free. Again, the money doesn't evaporate. It stays in an account, year-after-year, earning interest. It is 100% NOT use it or lose it. It totally and completely belongs to you. You can even use the account for somewhat "elective" medical services and procedures and basic health-related items, which you might not now consider to be part of your medical expenses.

Heck, you could probably even get a plan with an even higher deductible, which would be even cheaper, and you'd just be able to augment it with your HSA.

It's a really good deal and ought to be a big part of the health care solution in this country.
 
11 and a half was my favorite age.

seriously, the urgent care stop is the way to go. Had to take the wife there a month ago, cost $180, but she's healthy again.
 
3k? Wow. Next time you do your health plan, you may want to reconsider your past choice. My health plan and it's a great PPO plan, is tax free. HSA or something else is the way to go.

if you need surgery or get in a wreck - you're wrecked. Hope you feel better. Don't go cheap on this, you'll need it when you least think you do. Always the way things go.
 
HSAs are like term life insurance. They are never a good option for anyone. Ever. Mixing health care and investing is like mixing insurance and investing. You get the worst of both worlds.

With all the talk about health care, HSAs are shaping up to be the next big scam.
 
Sorry, brain fart. I mean whole life.

HSAs are very similar to whole life insurance. The only real beneficiaries are the people who sell HSAs and whole life policies.
 
How am I getting a bad deal if I use a HSA, which I'm considering doing? I've got high deductible, high co-pay policy on purpose because I've figured the odds are it'll save me money in the long run because of all the money I'm not paying to the insurance company while I'm healthy.

If I do have a major emergency and have to pay a few thousand bucks out of pocket, that money will be coming from somewhere, so why not an HSA, as opposed to any other form of financial reserves?
 
What sort of crap health plans do some of you have, anyway? $180 for urgent care? I have a PPO but still only pay a $35 urgent care copay and a stop at the pharmacy for a $25 prescription antibiotic and I'm good to go.

So, your health plan requires that you meet your deductible first before ANY type of coverage kicks in?
 
I realize this thread is primarily about insurance, but I worked for the state and insurance was free, with minor deductibles (I'm talking zero to $10, though those rates increased over time; but it was still cheap).

Anyway, my question is -- What are some of your ailments that are so expensive?

...

I'll add that my brother's wife has a brain tumor that will probably require several surgeries and cost more than $200,000. It will probably bankrupt him. So, I understand the need for insurance.

I guess I'm lucky because the only time I have been sick enough to miss work was 16 years ago when I had the flu. I'll refrain from discussing the bodily fluid details.

That's not to say that I didn't take my 8 hrs. of sick time each month. I called them ~mental health days~.
smile.gif
 
You must log in or register to reply here.

Weekly Prediction Contest

* Predict HORNS-AGGIES *
Sat, Nov 30 • 6:30 PM on ABC

Recent Threads

Prediction Results Threads

2024 Schedules

Back
Top