Assuming my life doesn’t collapse again like it did last year, I have surgery in June. I’m lucky to have the job and the insurance that I do. Even with really good insurance I’m dropping thousands of dollars regularly and I haven’t even gotten to the surgery part it’s madness x.x
So because insurance and hospitals are a mess I have to be in a self pay agreement. The theory goes I cough up about $45k, do surgery, they bill insurance, insurance refunds the hospital, then the hospital refunds me. What might happen is insurance gives the hospital the middle finger and I’m out a down payment on a house worth of money then I get to sue everybody and see what happens. In hindsight I probably should have just done medical tourism but I didn’t have the capacity to figure that out at the time and now it’s a risk to my life if I go much longer without surgery
The other costs are flying out of state for large volume hair removal because I can locally only get like 1-2 hours a month since everyone is booked out. Also needing constant therapy because everyone needs increasingly specific therapists letters for me to get anywhere. Finally because I’m getting surgery out of state I need housing for a month so that’ll be like $2-5k depending where I can find
Yeah, trans rights in the US are an absolute joke.
Still, I’m happy that you even have $45k in the first place. That’s one of the reasons why I hate reimbursements. Sure, the net cost might be zero, but you still gotta have the money in the first place.
Assuming my life doesn’t collapse again like it did last year, I have surgery in June. I’m lucky to have the job and the insurance that I do. Even with really good insurance I’m dropping thousands of dollars regularly and I haven’t even gotten to the surgery part it’s madness x.x
Yikes! 😬 That’s a LOT of money!
So because insurance and hospitals are a mess I have to be in a self pay agreement. The theory goes I cough up about $45k, do surgery, they bill insurance, insurance refunds the hospital, then the hospital refunds me. What might happen is insurance gives the hospital the middle finger and I’m out a down payment on a house worth of money then I get to sue everybody and see what happens. In hindsight I probably should have just done medical tourism but I didn’t have the capacity to figure that out at the time and now it’s a risk to my life if I go much longer without surgery
The other costs are flying out of state for large volume hair removal because I can locally only get like 1-2 hours a month since everyone is booked out. Also needing constant therapy because everyone needs increasingly specific therapists letters for me to get anywhere. Finally because I’m getting surgery out of state I need housing for a month so that’ll be like $2-5k depending where I can find
It’s all madness
Yeah, trans rights in the US are an absolute joke.
Still, I’m happy that you even have $45k in the first place. That’s one of the reasons why I hate reimbursements. Sure, the net cost might be zero, but you still gotta have the money in the first place.