Posts Tagged ‘out of pocket’

I Was All Upset

August 4, 2018

I was going to entitle this blog “motherfucker.”

I got another bill from the endoscopy procedure.

$899.

Why the fuck do I pay so much in insurance?

And get so damn little?

Which I am sure will be on my mind tomorrow when I go in for my dentist appointment.

The last time I was there the dentist said I should get a mouth guard.

And of course, it’s not covered by my dental.

I am not sure what my dental covers, truth be told, I’ve paid a ton out-of-pocket for the work I have had done.

The mouth guard will run about $400.

Which I have been preparing myself for and have not more animosity about it, I need it, I don’t want to grind my teeth at night, why am I stressed?

Bwaahahahahaha.

Sigh.

But I wasn’t expecting another damn bill from the endoscopy.

It feels like I just paid a bill.

For about $900 not even a month ago.

However, there it was, all cheerful and cheeky with its return envelope in my mail tonight when I got home.

Ugh.

I opened it and tried to not pay attention to it, I got a phone call right as I did.

Give the person on the line your complete attention, they are important, not this stupid letter that looks suspiciously like a bill.

Looks like a bill because it is a bill.

I looked at it after I got off the phone.

$899!

For things your insurance doesn’t cover.

There was a big block of letters in the billing area, “insurance company does not cover,” well isn’t that terrific?

I was about to fish out a stamp and write a check and put it in my wallet to mail tomorrow, but then I thought, fuck it, save the stamp, just pay it now, get it over with.

I have the money, I was just hoping to put it towards a new place, not old medical bills.

I got online.

I got logged into their weird payment system.

And!

I don’t have a bill there!

No bill means nothing to pay.

I wondered about that, was I billed twice?

I decided to just double-check and I called the number on the bill and logged into my account, which confirmed that I have nothing outstanding!

Zero balance.

I just chucked the bill in the trash.

Fuck you bill.

The nice thing, now that I don’t have to pay the bill, fingers crossed it would suck if that suddenly changed, but the nice thing was that even though I had a  momentary hissy fit, I wasn’t really balking at paying it.

I was just going to get it over with and pay it.

I am grateful for that in my life.

That I pay my bills when I get them.

I don’t like owing money and I have worked really hard for the last 13 years to be really clean with my money.

I don’t always succeed.

But I don’t owe any money to friends or to medical institutions (it would seem).

I owe money on my car, but I tell you what, with the exception of one month, I have paid double my car payment every month.

I am pretty happy about that.

I plan on making a payment tomorrow, I do them on the 4th when the payment is due, despite not really owing one, my next payment isn’t due until December, I’d rather just keep the habit going and I’ll pay tomorrow.

Hell I may even just pay it tonight to get it out-of-the-way since I’m writing about money and finances.

And, of course, I owe on my student loans.

But I’m not in default and I do pay them when I’m not enrolled in school.

I also don’t owe any money on any credit cards

Or, as the case may be, the one card I have.

In fact, I am thinking it’s time to cancel the damn thing.

I got it last year after being persuaded by a friend and haven’t used it once.

I could be accruing travel miles and such, but really the thought of using it wierds me out.

I had credit card debt, and a fair good bit of it.

I worked really fucking hard for a few years and got it wheedled down and then, yes, upon the suggestion of a lawyer, I filed for bankruptcy.

It’s a little complicated, but basically I spent two years busting my ass to pay off debt that was mostly acquired when I was in early sobriety.

I had run up my cards, got sober, and then was so broke and destitute for my first year that I never made any payments.

And boy howdy did that add up fast.

The interest on the cards skyrocketed and it was worse than paying off a loan shark.

I think I had 9% on one card that went to 28%.

And the other had started around 12% and was at 31%.

My lawyer basically told me I would never get out from under it, that I had made a huge effort to rectify the situation, I really had, worked so much for those years to work with the collection agencies, to the point I was on a first name basis with two different women, made amends financially, did the work, read front to back twice “How to get out debt, stay out of debt, and live prosperously,” by Jerrold Mundis, that I had records of all my payment plans, of everyone I had talked to, that I kept track of how much I spent and that I hadn’t any other debt, was huge.

I handed the lawyer such an enormous amount of spending plans, budgets, records, and notes that he literally was able to turn around the case and file it within two weeks of me seeing him.

I guess normally it takes longer because the lawyer has to do all the work that I had been doing for the past years.

So.

Yeah.

I’m not really interested in that kind of thing happening again and though I understand my friend’s reasonings, I think I am going to just cancel it.

Feels better.

Not as good as throwing away that medical bill.

But damn close.

Damn skippy close indeed.

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The Last Piece

March 24, 2017

Falls into place.

And like that.

I have secured all the things that I need to have to start my internship in May.

Yes.

Today I had a phone interview with a potential therapist.  We have been in contact for a little over a week via e-mail, she was referred to me by a woman in my cohort at school and I had contacted her about getting into therapy with her.

As part of my program I must have 50 consecutive weeks of therapy while I am in supervision and taking on clients as a new therapist.

It makes complete and total sense, although I’m not real thrilled about the additional cost of school, now I get to pay for a therapist out-of-pocket, but I am happy to have the final piece settled out.

Her first response was a no, she couldn’t work with my time frame, but a few more back and forth emails and a spot became available.

We had made a time to talk today on the phone and I wasn’t going to get myself too psyched up about it, I figured I might have to interview a few therapist.

But.

She was lovely.

And.

She happened to have gone through the same program that I did five years ago and so can really support me as I move forward through the same process.

I am also, oddly I want to add, but in a moment of reality check, maybe not so oddly, excited about getting to be back in therapy, I have known for a while now, ever since getting back into school, that I need to go back and do some more work.

There are issues to address, traumas to heal, wounds that need opening to air out and to re-heal properly.

And I am ready to do that work.

Especially since it is work that will support me becoming a better therapist for my clients.

I start on Tuesday.

I will meet with her Tuesday mornings at 9:30 a.m. for an hour and then head in to work at 11 a.m.

Super grateful that she is convenient to work as well, I work up in Glen Park and she is in Noe Valley, maybe a five-minute, ten minute tops, scooter ride from her office to my job.

Now if I can just relocate to the Eastern side of the city I will be set.

I love my little studio by the sea, don’t get me wrong.

But.

Check it out.

I work in Glen Park just on the border of Noe Valley.

I have an internship starting in May at 18th and Treat–I’ll be there five days a week.

I have a supervisor I have to see once a week at Fell and Gough.

School is at Mission and 10th.

My new therapist is in Noe Valley at 24th and Church.

And where do I live?

44th Ave and Judah.

Get me back to the Mission please.

Not that I want to move, necessarily, I am cozy here and moving sucks, but fuck, look at the logistics of it, it would make such better sense for me to be closer to work and school endeavors.

I’m keeping it on the back burner.

I’m not actively engaged in looking, but if the right thing happens, I’ll bounce.

I am grateful that all the school and work stuff is located relatively close together, that will make it a bit easier for me.

And there is time to get used to all of it.

I have time.

Things definitely feel like they are gaining momentum though.

I still need some signatures on my paperwork, but all that will happen at school.

In fact.

I am just going to take a moment here and hop over to my Gmail account and e-mail my advisor in regards to making sure I can get that paperwork dealt with.

There.

That feels better.

I am super happy to have it all come together.

I am still going to need to do plenty for the rest of the semester.

I have two weekends of classes yet to go before the semester ends, one in April and one in May.

I have to write one paper for the April weekend and I have three papers due for the May weekend.

Plus, of course, the mountains of reading.

I have been taking my Couples Therapy with me to work all this week and knocking out what I can when I can.

I am so in love with my job and the fact that I have had a solid hour for my lunch, with no interruptions, to sit, eat, have some tea, and then read for a half hour every day (well, except Monday, I had both the older kids at the house) this week.

It is such a huge gift and as I was expressing to my person tonight as we had dinner at Firewood Cafe in the Castro, how lucky I am to be in this job.

Shit.

I sat and listened to jazz and looked out over the bowl of San Francisco as it spilled toward the bay and ate organic fruit from BiRite and sipped my favorite tea at work.

I also have to juggle crazy monkeys on the MUNI, so it is good that I have that down time to regroup and get quiet.

It has been a big year for me already, and it’s just March.

The new job, the new experiences with school, the interviews for internships and supervisors and therapists, all the showing up, all the walking through, it’s been big.

I am super grateful that I have the support and love I do.

And that I have done a lot of my own personal work to move forward.

Some of which I have written about here.

And.

Quite a bit that I have not.

I find that the closer I come to having real world clients, the more and more I have to focus on my self, who I am, and not about who I am engaged with or hanging out with.

Sure.

I’d love to blog some about dating and wild adventures.

But that’s not been on the menu at the moment.

School, life priorities, work, re-connecting with friends.

The rest will follow and the time will go by quick and I will find myself looking back on the other side with complete wonderment.

As that’s how I’m currently looking at it all right now.

In complete awe.

Look at how far I’ve come.

A long, fucking way, baby.

Such.

A.

Long.

Way.


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