Thursday, 16 July 2009

  • My Hubby's Medical Emergency - Need Advice

    First of all, you may be thinking, "Hey, you're the one that's pregnant, shouldn't you be the one having medical emergencies?" Well, we would have thought so, but that's not what happened 2 weekends ago (and is still going on).

    Two weeks ago on Thursday my husband started having stomach pains. His lower right side and middle of his stomach above his belly button started hurting. The first thing you think when you hear the lower right side is appendix, but we weren't sure and we don't have health insurance, so we were not too eager to rush to the doctor on a false alarm. Plus the other pain didn't make sense or seem to go along with that and he was uncomfortable but not in a state of horrible pain. Friday he was still hurting but was able to go to work again. He barely slept that night even with the help of a Tylenol PM but we still thought it was gas pains or a pulled muscle. Saturday morning we were supposed to go on a picnic at a nearby lake with our church. I wasn't sure if we should go or not, but he was really looking forward to it and was determined to go. I bargained with him and convinced him to leave after eating lunch if we had to go. So we got ready as if we were going (hence me ending up wearing my bathing suit under my clothes nearly all day, though we never got near any water). About the time we needed to leave (about 8:30), I decided there was no way we could go. He was having trouble walking around and in obvious pain with every movement. We googled the nearest urgent care facility and called a friend to let them know why we wouldn't be at the picnic.

    The urgent care is 15 min. from our home. We were able to get in really fast (apparently most people aren't up early enough to hurt themselves on Saturday morning). We had to pay $75 up front before they would even see us since we didn't have insurance. The doctor was incredibly nice. He said he just wanted to eliminate the appendix option. It was odd, since Josh didn't have a fever or nausea, diarrhea, etc. and the upper abdomen pain seemed to throw everyone off too. Unfortunately the doctor could not eliminate the possibility that this was his appendix, but he was kind enough to refund us our money and call ahead to the emergency room.

    We drove back to our hometown (the hospital there is about 2 blocks from our house) and headed to the ER. We were the only ones there (again, people must not have early emergencies on the weekend) and got in quickly. I was in complete denial that this could be his appendix because I knew there was no way we could afford such a thing, and besides, my husband is one of the healthiest people I know. He never gets sick. So we spent a good amount of time in the ER room waiting on different people to ask him the same questions, poke around his stomach, and start tests. The whole time I'm staying calm (I'm usually the cool, collected type) but hearing the "cha-ching" of a cash register every time they touch him. I just kept thinking, "Okay, when are you going to tell us it's something we can get medication for and send us home?" The doctor at the urgent care facility had told us that if we caught an appendix in time he could take antibiotics, so that was our 'worst case scenario'. The only way to really rule out the appendix was a CT Scan (again, "cha-ching") and, you guessed it, it was his appendix--and it had to come out today.

    We are roll with the punches type of people, so we just focused on the next leg of the journey. The surgeon came in and talked with us and said he was stable for now, so we would do the surgery around 6 pm. We got moved to a hospital room and they gave him plenty of pain meds and IV fluids. He hadn't eaten since the night before around 7, so that was good (but hard because he was really hungry). I was the informer during all this-calling our parents and the friends at the lake to give updates as soon as we'd get them. Some of them came to visit us when they got back, but they had taken DH to surgery by then. It was supposed to take an hour but they got started a little late and kept him in Post-Op for a long time because he was having trouble remembering to breathe under the heavy medication. He left for anesthesiology at 5:30 and didn't get back until 9:30. I was getting worried, but tried to keep myself distracted with TV after the friends left around 7:30 or 8. He looked so pale and in pain when he got back. He was pretty drugged, so he was able to rest quickly. I did cry then, just a little, because seeing him like that was really hard.

    I was able to get some sleep on the pull out sofa in his room, although it was far from comfy. I guess they make the mattresses super hard so they won't wear out as fast. The next day we eagerly awaited the doctor's visit to tell us we could go home. Unfortunately, it didn't work out that way. When the surgeon had gotten inside DH, he realized things were worse than he thought. He hadn't ruptured, but his appendix was twice the normal size and there was a lot of inflammation. He told us we were going to need to stay one more night for observation and antibiotics through the IV. I was actually a bit relieved even though the "cha-ching" sound kept getting bigger. Josh was barely able to sit up on the side of the bed. I was helping him do everything-eat, use the bathroom, etc. and I'm not really supposed to be lifting anything too heavy with my pregnant self. I don't think there is any way we could have survived a day like that at home.

    Meanwhile, we were finally able to get a hold of his boss to tell him what was going on so he could find a replacement for DH's route (he delivers auto parts). We were stressing about the work situation since he is technically self-employed. That means no pay until he gets back to work, and no benefits (and he doesn't make enough for us to afford insurance). Another long day and night in the hospital followed by another day and finally being dismissed in the afternoon. The doctor would see us in his office the next Tuesday (this was Monday) to remove the drain he'd inserted to help avoid infection (due to the amount of inflamation) and discuss when he could return to work. Fast forward until yesterday when we went back to the doctor. He took out the drain and didn't say a word about work until we asked. He said next Monday at the earliest with the help of someone else doing the lifting (a guy at work volunteered his son if my husband would pay him a small amount). So that's two weeks without a paycheck. Which is, well, pretty much undoable, considering we have nothing left over at the end of each month.

    We got the hospital bill, which was 'reduced by 60% due to our lack of insurance'. After being reduced, it is about half of what Josh grosses each year (and I'm unemployed now). Then yesterday the anesthesiologist bills came in. I called the hospital to get an itemized bill (they had already sent me a financial assistance form) and ask what other bills I need to be looking for. There are still bills for the surgeon (which we sort of knew about after our doctor's visit), the ER physician, and radiology. Before they reduced it, the original bill (which was for 'facility fees' only) was more than we make in a year. A two night stay in the hospital is more than we make in a year?!?!

    On the bright side, when I called to set up a payment plan with the anesthesiology company they said they would revise our bill since we didn't have insurance and get it out to us next week, and the minimum payment is $25 a month.

    Through all of this, I have not been afraid or lost hope. I know that God will take care of this bill. I mean, He has to because we obviously can't. The hospital facility fees are supposed to be paid in a year, which would require all of my husband's net income per month besides $500. But we make 'too much' for Medicare benefits (which look at his gross income-this doesn't work for him since he spends almost half of it on gas and taking out his own taxes). I'm trying my best to stay positive and calm. Apparently it is bugging me though because every time I woke up last night to go to the bathroom (third trimester starting) I started thinking about it. Luckily I was able to pray it away for a while.

    Please keep us in your thoughts and prayers. We will really need it. I am going to try to reapply for Medicare for us since the baby is on the way and I am unemployed (although my husband grosses more than the limit by himself). I am going to try to explain his situation (he has to pay for all his gas and car repairs and expenses himself). They asked him the questions in the hospital for Medicare and said he made too much but they aren't really looking at the whole picture, so maybe they will if I reapply.

    If you have any suggestions on what to do about our situation or people we should talk to, I'd really appreciate it! Thanks!

Comments (16)

  • chix0rgirl@xanga

    Oh, gosh. I'm so sorry. <3

  • PoetMcChick@xanga

    Oh that sucks. I make a decent amount of money, but I was able to get medical assistance for myself while pregnant, and now my daughter has it till she's 2 (unless I have another child because then it would be until 18). The only catch is there is a certain amount I have to pay first (or have my insurance company pay first) because of how much I make. I am also ineligible for food stamps.

    That hospital stay is ridiculous! I remember getting all the bills after having my daughter. The stay from Friday morning till Monday early afternoon was $18,000! Let me put it this way, I had a c-section and had SIX people in the room, not counting me, the father, or the baby. They all gave me bills.

    But here's something that might help...4 years ago my boyfriend was in a car accident. It was pretty bad and he spent the weekend in the hospital and only narrowly missed out on surgery. His bill was over $30,000. The hospital (after a year or so) wrote it off after originally reducing it.

    Good luck to you and congrats on the baby!

  • dikdoktor@xanga

    That's terrible. I wonder if claiming to be bankrupt would help. That's the position they're putting you in. I live in Ontario Canada so don't have this kind of problem and really feel for you. I was in the hospital here - in a private room for 10 months. I wonder how much that bill would be. I don't know how things work in the States but that just isn't right.  If I had the money or win the lottery this week I'd gladly give it to you. Maybe your Church could have a big yard sale or something to raise a little $$  I feel sick about this and hope things work out for you. 

  • gwacemom

    As long as you are paying something, and that means as little as 5 dollars a month; the hospital will most likely not push the issue. You just have to be very honest with them and be quite forceful as well. You are not in a position to pay more than X amount and that is what you will send. They will always tell you that it must be paid by a certain time, but if you are making a real effort to pay on the bill, they will again, usually lay off. You might get some calls the first few months with people demanding you pay more, but you remain calm and explain with little room for arguing that this is simply all you can afford to pay.


    I hope things work out for you guys.

  • Celtone@xanga

    I have been praying that everything will be ok for you.  I have prayed too that you will know peace through these difficult times.
    The gap between government medical assistance and private insurance in this country is appalling.  My wife was in a similar situation a few years back.  Too much money for assistance; too little to afford health insurance.  It was difficult keeping up with her blood pressure medication and regular doctor visits.  Fortunately, the only major illness/injury she experienced during that time was an injury at work which was mostly covered by her employer's insurance.
    I believe that things will work out for you somehow.  God is faithful.

  • cjamos@xanga

    I would make an in person appointment with the billing dept at the hosp and bring all information pay stubs, bills, a written budget and they will be more likely to work with you especially if you go see them right away before you are a couple months behind.  A good resource for us since going through the same sort of thing is www.daveramsey.com  very good info about working on these sort of problems and living on a budget not fun back productive.  We where in a similar position 3 years ago and we now are debt free except for the house.  You can make it through it if you keep making decicions with your head and not your emotions.  Good luck

  • Erika_Steele@xanga

    that's horrible.  I hope you are able to find a way to get the bills paid.

  • Passionflwr86@xanga

    @cjamos@xanga - I'm actually taking a course by Dave Ramsey right now (Financial Peace) and thought about him when I read this post... he does have a lot of insight towards similar problems. I'd definitely recommend him, as well!

  • princess_deidre

    Thank you all very much. I have the financial assistance paperwork filled out for the hospital now and I believe I have all of the bills in. I am still waiting on the revised anesthesiology bills. We were told by our families that if you pay something every month they can't do anything, but when I called to get the bill amount the lady on the phone said they only allowed you to pay on it for one year. So we'll see how that goes I guess.


    As far as bankruptcy, that would be a last option for us, but we really don't have any 'extras' in our lives and don't own our car or our house (we rent an apartment) so they couldn't really take anything. It would just be horrible for our credit.


    Thanks for the Dave Ramsey tips. We actually listen to his radio show. It always seems like the people on there have a much bigger debt than ours, so I didn't think to look into it. Now that I think about it, we each have student loans we are paying off as well so when you figure that in, it probably doubles the debt. Plus neither one of us has careers in our degree areas right now. My husband was a theology major (so he makes more than he would if he were in a paid ministerial position-sadly) and I am an early childhood teacher but haven't had any luck obtaining a job here. And I am not trying to be pessimistic but I think it would be near impossible to get hired when I'll be 7 mos. pregnant at the beginning of the school year.


    We are still staying positive and keeping our trust in God. We have to! We did have some blessings this week. My parents were visiting when the alternator on our car went out and they covered the repairs. Also they brought us a card from my grandparents with $50 and a card from my grandparents' church (a tiny little thing in the middle of nowhere with maybe 20 members) for $500. We felt so blessed. Right now I'm trying to decide if we need to keep the money to cover bills since my husband was out of work or use parts for the medical bills.


    We are also thinking of seeing if a nonprofit company could work with us to consolidate the bills so that we would only have one payment instead of so many. We are afraid we will fall behind on one if we don't.


    Please keep the advice coming! Do you think we should have our friend's mother (who is an OR nurse) take a look at it to see if anything can be taken off or reduced further? Or can the nonprofit do that?

  • princess_deidre

    UGH! Just got off the phone with the anesthesiologist company because I still hadn't received a revised bill. Turns out they will only take off 10% if I pay the bills IN FULL. Unfortunately, I do not have $2,500 :( . I guess we'll be paying them $25 for the next ten years. Oh well. :)

  • freesia39@xanga

    Contact your state social aid programs - I know in California, there are programs for pregnant women.

    Other than that, I hate to be preachy, but you REALLY need to get medical insurance.  Baby wellness exams are not cheap, along with probably the many emergency trips you may wind up taking after the baby is born.  You don't want to wind up in an even larger world of hurt. 

  • cmwcbs10142006@xanga

    I'm not sure what state you live in, but in Iowa, if you are uninsured and have something major (like this) happen, you can get Title 19.  You would only have to pay $2000 & they can usually back date it.  I would find out.  If not, the hospital should be able to waive more of the cost.  I would fill out the financial paperwork they sent you & at least check into the Title 19.

  • princess_deidre

    @cmwcbs10142006@xanga - @freesia39@xanga - You are not being preachy. I know we need it. We just really can't afford it. Not that this is much better. The baby and I are covered under Medicare and after the baby is born he will be covered automatically.


    We are looking into some insurance options for after he's born. There is a group of church planters in our area (we moved 5 hours from home last year to help plant a church) that is trying to get some cooperation with local doctors for the church planters (we don't make a salary off of church planting and the jobs we have don't support us enough for insurance).


    I will look into the Title 19 thing.


    Thanks!

  • Btrfly_Wngs@xanga

    My husband had a hernia removed last year. No insurance. We are still paying it off. Worst case scenario: you get sent to collections. You can set up a payment plan with them as as long as you send them something each month they leave you alone. Once it goes to collections, as long as you make payments, your credit isn't hurt too badly.
    My biggest piece of advice to you is to keep at the payment plans. We were receiving a bill for our payment plan for 2 months after that we got a bill for the full amount and kept paying the payments as usual because we were supposed to have an 18 month payment plan Then all of a sudden they wanted the amount in full. Combined with the other bills that we had (we moved to a place with higher taxes and more expensive rent, plus I got really sick) we couldn't do it. They said we never set up a payment plan, and we had no proof. If possible get documentation of any and all payment plans. Stuff like this has happened with 3 different doctors for us after his surgery.
    Good luck. I know you'll be okay. Congratulations on the little one!

  • princess_deidre

    @Btrfly_Wngs@xanga - wow! thanks for the advice. we are still working on getting all the bills. i printed a receipt for when i made a payment (not the $1300, but $100) last week. i am trying to keep everything documented. we went ahead and paid off the pathology bill which was only $30 something. Now it's just down to the anesthesiologist ($25/month) and the hospital facility fees (the huge bill). I've got to make copies of the anesthesiology bills and get them and the financial assistance form turned into the hospital. Then we'll just have to see what happens with the hospital.

  • Btrfly_Wngs@xanga

    @princess_deidre - Good luck. It sounds like you're a lot more prepared than we were.
    I swear this recession has hospitals going nuts.

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