I have a $5k deductible and 20% after that for quite a bit of coin, last year we spent $8k which was primarily the wife and quite a bit for some reoccuring numbness in parts of hands, etc. Anyways turns out the C5-C6 and C6-C7 disks are pinching her spinal column notably and she's gonna need a fusion. Not making light of the stress and stuff that will occur around dealing with all that but iirc she has like $500 deductible and maybe $1500-2000 max out of pocket range, pretty sure that just saved a financial nut punch as we just started making up some ground which would have just poured the stress onto the situation.
Sounds like it'll take ~6weeks for insurance clearance and scheduling, overnight hospital recovery, 6weeks neck brace (not allowed to drive), and then like 9mo of ramping up actively allowance afterwards.
Edited by pods8, 13 February 2020 - 05:28 PM.