Health Insurance, Health Dilemma 2021
I live in Florida, a place with so many COVID-19 cases its insane, where half the citizens hate wearing masks, and where I unfortunately fell ill first with COVID-19 in December and now with gastrointestinal issues. I was diagnosed with mild COVID-19 in December and luckily healed after a few weeks, but as they’re discovering COVID-19 can impact more than your lungs, it impacts your entire body including your stomach. So here I am a 7 weeks post COVID-19 having stomach issues, using my insurance I went to the doctor and spend $280 for them to tell me they think it’s an abscess and infection, but I need 8 blood tests?! 8! Basically, they don’t know what’s wrong but they think they should check my blood for everything including HIV, B12 levels, Vitamin D levels, thyroid, and so on, next they suggest I have a colonoscopy, a stomach ultrasound, and finally a visit to a Colorectal surgeon. I kindly ask the cost as I mentioned above I can only afford the cheapest insurance, so they break it down for me; 3,200 dollars for the colonoscopy, not including sedation, 1,200 for the ultrasound, 500 dollars for the specialist, 1,700 dollars for the blood tests, 250 dollars for the follow up doctors appointment, plus the anti-biotics which were 50 dollars all of this totaling out to 8,200 dollars which sure would go towards my deductible meaning I would meet the deductible for the year and my price to visit the doctor would drop to $50 per appointment, 75 dollars for specialist, and other services covered at 80%; but as good as meeting the deductible sounds to do this means putting myself 8 thousand dollars in debt; I make 24,000 dollars annually after taxes, 8,000 is roughly 32% of my income in a year, 32 % of my income yearly spent on health care, more than 50% of my annual income goes to housing, 25% goes to car note, maintenance, and gas, 10% of my income goes to utilities, another 15% goes to groceries, 8% goes to phone and internet as I work from home WIFI is a necessity. Total all of this together and that’s 140% of my income going to necessities and as a human I know I won’t go an entire year without eating out, buying something for myself, breaking something, or having an emergency where I have to find money to pay for it.