Medical expenses

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Its winter here in the southern hemisphere and I’ve been hit really bad with the cold. Not only am I physically sick, but my finances is sick too. I never expected it to be this bad. I mean when I started working for my current employer I purposely chose the medical aid with lowest monthly contribution (the one recommended for 20-30 year old). But that backfired on me this year.

During January/February I had terrible back pain. I went for two doctors consultations before I was finally told to go see a physiotherapist who sorted my back pain out in less than two weeks. I only have 10 free consultations per year, so the one consultation was wasted. And I also racked up medical costs for pills and a cream that didn’t work.

In March I traveled to another country and suffered from food poisoning so bad that I ended up in hospital, my first time I ever spent any amount of time in hospital. I raked up a bill of $900 of which my medical aid scheme only pays half.

In May I got the flu but I thought that I should not waste my consultations. I just got some flu medicine and paid out of my own pocket for it. Its not done yet. Three weeks ago I developed a nasty cough. I just bought cough syrup. We had a tight deadline at work so I pushed through the entire week which took a big toll on my body. Finally I couldn’t take it no more. Got some time off work to recover. My wallet didn’t get time off. Admin fees, medical fees and medicine had to be paid for.

Today I came down with the cold again. This must be the sickest I’ve ever been. What rotten luck. More medicine. More medical bills. I couldn’t afford to pay cash for the medicine so I had to charge it to my credit card. Total cost in medical expenses over the past two months totaled to $277 and year to date is $727. That is much more than I ever expected it to be.

I do realize now the importance of staying healthy and having an emergency savings fund. More fruit and vegetables and some exercising is in order. First things first, I want to get well soon.

Until next time.

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5 comments

  1. Oh my, sorry to hear about your health dilemma; I hope you get well soon!

    Just like you, I plan on working towards a healthier lifestyle as well. I’m way too sedentary and seem to eat fast food/junk 75% of the time.

    1. I’m trying to eat more fruit whenever I feel hungry. Bananas and oranges do the trick for me.

      I feel better but I still have a nasty cough. I hope it disappears soon.

  2. Living a healthier lifestyle I believe is very important. I started saving money when I started purchasing more healthier goods at the grocery store, so it’s a win-win situation. Get sexy and save money. I hope you feel better.

    1. I agree. Eating healthier is much better than eating junk food. I am feeling much better than I did a couple of days ago. The medication seems to be helping. Now I just need to stay healthy. 🙂

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