Tuesday, January 12, 2016

Planning For The Year...

It has really become apparent to me that we have not planned well at all for medical and dental bills.  In years past we have all been pretty healthy and these bills have been at a minimum.

Right before the end of 2015 my husband hurt his back and started going to the chiropractor. While most of the costs are covered by our health insurance, the co-pays for two, three and four times weekly visits are not.  Today he also had a dental cleaning and was told he needs to have a crown.  While again most of the cost of that is covered through our dental insurance thankfully, about $350 is not.

We also have a $155 office visit for Kid # 5 from December who ended up sick for a few days and had to make a trip to the Dr.  We haven't found a Dr yet in our new area so we just went to the closest prompt care.  Turns out our insurance does not cover quick strep tests. Ugh!

 I am not prepared for these large bills at all.  So I will be sitting down and reworking the budget to accommodate them. I know we can easily make this work but it may prolong how fast we get out of Baby Step 3.  I was really hoping to be done by June :(


  1. Sorry to hear about your hubby's back. That is no fun at all. Medical expenses are so high. We have an HSA and we pay for insurance and still have a $5000 deductible. It can really break a budget. Hopefully you'll finish Step 3 soon!

    1. Thank you Sharon! Going to the Chiropractor has really seemed to help the hubs back. I think I will be able to work most of the bills into the budget and still finish my goal in a timely manner. We will see :)