giramomma
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Post by giramomma on Mar 1, 2016 11:41:32 GMT -5
I'd want more info.
It looks like sleep apnea is the worst thing a deviated septum can cause. Wouldn't the marines have flagged sleep apnea and dealt with it?
I had more than 6K when I was 22. It was the last of my savings that was supposed to be put towards college. Rather than use all of it, I cut costs and worked year round. At 22, I really needed $600 or so a month for rent, utilities, food and still have money left over for clothing. A car was not a need..The university provided us with a free bus pass, I walked, or I bummed rides (once a month) to get to the cheap grocery store..(For fresh food, we walked to the farmer's market or went to the Asian Market close by.)
I had friends that were spending $600 on rent alone.
I still had enough of the college savings left over to put towards my wedding.
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Tiny
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Post by Tiny on Mar 1, 2016 11:44:13 GMT -5
The surgery is not life threatening, it is for a deviated septum, if I spell that right. Isn't this one of those things that he can have fixed now or 2 years from now? I guess it depends on his symptoms.
And I'm NOT suggesting that he put off surgery - just wondering if this is something that he can 'work towards' accomplishing (ie start saving and planning now). I think there's a bit of recovery time - it's not something you bounce back from the next day. If he's going to school and working - he's probably going to want to figure out an optimal time to have the surgery... so he doesn't mess up his school stuff or loose his job. I've witnessed youngsters do stuff at the most inconvenient time - derailing school and loosing a job because they "had to do X RIGIHT NOW!" and then complaining about the unfairness and heartlessness of the school/employer - cause it certainly had nothing to do with their own poor planning/misplaced priorities.
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Tiny
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Post by Tiny on Mar 1, 2016 11:51:26 GMT -5
FWIW: I had about 5K in savings when I was 22... back 30 years ago. The only financial help I got from my parents was $100 to open a savings account when I turned 16 (so I could cash my first paycheck with out incurring fees) and food and shelter. I paid for everything after I got a job. I paid for community college, a beater mobile and clothes. At 22 I did have my first full time job - but I was also paying 'rent' to my mom (dad had died at that point). I did have several thousand in 'savings'... 6K would have cleaned out my 'accounts' - but I probably would have looked into a payment plan of some sort. At 22, I went to get braces and paid for those on a monthly basis. And I managed to have enough for a down payment and a 2 year loan on a slightly better used car.
I know kids today have a lot more expenses than I had back then... but still at 22 (other than my mom feeding me and having a room to sleep in... I was pretty much self sufficient).
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The Fonz
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Ayyyyy!!
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Post by The Fonz on Mar 1, 2016 12:01:30 GMT -5
OR I can have a reasonable deductible but pay out the nose in premiums. Or in this case, paying for a nose.
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whoisjohngalt
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Post by whoisjohngalt on Mar 1, 2016 12:02:30 GMT -5
I didn't read the thread yet....
I will say this for now - the way he did it would really irk me and probably make me not wanting to give the $$.
I prefer much more straight approach to things instead of this slightly deceiving sugar coating.
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whoisjohngalt
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Post by whoisjohngalt on Mar 1, 2016 12:06:27 GMT -5
The surgery is not life threatening, it is for a deviated septum, if I spell that right. OMG, I was told over 15 yrs ago that I needed that surgery. You couldn't pay me enough money to have that done. Yeah....no one is going to be breaking bones inside of my head on purpose.
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wvugurl26
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Post by wvugurl26 on Mar 1, 2016 12:18:53 GMT -5
The surgery is not life threatening, it is for a deviated septum, if I spell that right. OMG, I was told over 15 yrs ago that I needed that surgery. You couldn't pay me enough money to have that done. Yeah....no one is going to be breaking bones inside of my head on purpose. I'm on the fence about it. I feel like it would improve my breathing 1000%. And I'm pretty sure meeting the airbag in January made it worse. I just had surgery in November so I'm waiting for now.
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Ombud
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Post by Ombud on Mar 1, 2016 12:33:20 GMT -5
I'm confused. Kid needs surgery and you have a money market account. What's the issue? ♤ are you living off it? ♡ is he estranged from you? ◇ do you have a magic number that you cannot hit if you pay his deductible? ♧ are you head over heels in debt? ☆ are you upset that he was embarrassed to ask for it so he decided to soften the blow?
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MJ2.0
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Post by MJ2.0 on Mar 1, 2016 12:37:27 GMT -5
I'm confused. Kid needs surgery and you have a money market account. What's the issue? because this is YM - where giving your family money is akin to mass murder.
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Ombud
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Post by Ombud on Mar 1, 2016 12:39:15 GMT -5
I'm a YMAM failure as you all know
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swamp
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THEY’RE EATING THE DOGS!!!!!!!
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Post by swamp on Mar 1, 2016 12:39:56 GMT -5
I'm confused. Kid needs surgery and you have a money market account. What's the issue? because this is YM - where giving your family money is akin to mass murder. and not having $6,000 squirrelled away at 22 is the height of irresponsibility.
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Green Eyed Lady
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Post by Green Eyed Lady on Mar 1, 2016 12:46:10 GMT -5
So, how is a 22 year old who qualifies for Obamacare suddenly supposed to be able to come up with $6000 for surgery? This doesn't make much sense to me unless Obamacare totally sucks.
It depends on what your state has to offer as far as plans go. Iowa's are absolutely horrid. I can either have a $13k deductible for a reasonable premium OR I can have a reasonable deductible but pay out the nose in premiums. And a lot of them don't cover very much outside of preventative care. I will do whatever it takes to keep my current benefits b/c I'd be screwed if I had to use the exchange in Iowa. Ok. Thank you. I should make myself learn more just in case I'd ever find myself in need. Doesn't sound "affordable" to me.
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NomoreDramaQ1015
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Post by NomoreDramaQ1015 on Mar 1, 2016 12:48:09 GMT -5
Well the premium for the $13k deductible plan was around what I pay now for health insurance so it was affordable. I just couldn't afford to actually use it.
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resolution
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Post by resolution on Mar 1, 2016 13:01:22 GMT -5
So, how is a 22 year old who qualifies for Obamacare suddenly supposed to be able to come up with $6000 for surgery? This doesn't make much sense to me unless Obamacare totally sucks.
It depends on what your state has to offer as far as plans go. Iowa's are absolutely horrid. I can either have a $13k deductible for a reasonable premium OR I can have a reasonable deductible but pay out the nose in premiums. And a lot of them don't cover very much outside of preventative care. I will do whatever it takes to keep my current benefits b/c I'd be screwed if I had to use the exchange in Iowa. Ok. Thank you. I should make myself learn more just in case I'd ever find myself in need. Doesn't sound "affordable" to me. It didn't do anything to make actual medical care more affordable. It made insurance premiums more affordable to a narrow class of people and it made it possible for previously uninsurable people to buy insurance. This can help previously uninsurable people avoid bankruptcy for major medical issues, but the actual care is still way more expensive than anywhere else in the world.
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ArchietheDragon
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Post by ArchietheDragon on Mar 1, 2016 13:02:24 GMT -5
So, how is a 22 year old who qualifies for Obamacare suddenly supposed to be able to come up with $6000 for surgery? This doesn't make much sense to me unless Obamacare totally sucks.
It depends on what your state has to offer as far as plans go. Iowa's are absolutely horrid. I can either have a $13k deductible for a reasonable premium OR I can have a reasonable deductible but pay out the nose in premiums. And a lot of them don't cover very much outside of preventative care. I will do whatever it takes to keep my current benefits b/c I'd be screwed if I had to use the exchange in Iowa. Ok. Thank you. I should make myself learn more just in case I'd ever find myself in need. Doesn't sound "affordable" to me. We should all get free healthcare. Clinton may be able to pull this off if elected.
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resolution
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Post by resolution on Mar 1, 2016 13:05:05 GMT -5
Ok. Thank you. I should make myself learn more just in case I'd ever find myself in need. Doesn't sound "affordable" to me. We should all get free healthcare. Clinton may be able to pull this off if elected. I think Trump was also for it, before he was against it.
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Post by The Walk of the Penguin Mich on Mar 1, 2016 13:08:38 GMT -5
The surgery is not life threatening, it is for a deviated septum, if I spell that right. Isn't this one of those things that he can have fixed now or 2 years from now? I guess it depends on his symptoms.
And I'm NOT suggesting that he put off surgery - just wondering if this is something that he can 'work towards' accomplishing (ie start saving and planning now). I think there's a bit of recovery time - it's not something you bounce back from the next day. If he's going to school and working - he's probably going to want to figure out an optimal time to have the surgery... so he doesn't mess up his school stuff or loose his job. I've witnessed youngsters do stuff at the most inconvenient time - derailing school and loosing a job because they "had to do X RIGIHT NOW!" and then complaining about the unfairness and heartlessness of the school/employer - cause it certainly had nothing to do with their own poor planning/misplaced priorities.
About a week in my case, but only because I was vain enough that I didn't want to be seen looking like I had gone a couple rounds with Mohammad Ali. I felt good enough about 3 days afterwards, but that was when my bruising was at its peak.
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Post by The Walk of the Penguin Mich on Mar 1, 2016 13:11:13 GMT -5
So, how is a 22 year old who qualifies for Obamacare suddenly supposed to be able to come up with $6000 for surgery? This doesn't make much sense to me unless Obamacare totally sucks.
It depends on what your state has to offer as far as plans go. Iowa's are absolutely horrid. I can either have a $13k deductible for a reasonable premium OR I can have a reasonable deductible but pay out the nose in premiums. And a lot of them don't cover very much outside of preventative care. I will do whatever it takes to keep my current benefits b/c I'd be screwed if I had to use the exchange in Iowa. Ok. Thank you. I should make myself learn more just in case I'd ever find myself in need. Doesn't sound "affordable" to me. $6000 is affordable when you are looking at recovering from an $80K surgical bill. Not only that, most preventative care IS covered with a copay. This is a combo of catastrophic insurance that also covers preventative - which isn't a bad thing.
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Deleted
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Post by Deleted on Mar 1, 2016 13:13:33 GMT -5
In 2013 we had a massive amount of ER and hospital bills for the surgery and physical therapy on ex's hand. We were dealing mainly with Mayo Clinic, so it might be different because they're so big, but I remember them giving us all kinds of info on different payment options. My SIL just told me the other day they finally got their daughter paid for (her birth/NICU stay four years ago) and that was just through our smaller local hospital that was taking payments.
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Post by The Walk of the Penguin Mich on Mar 1, 2016 13:15:10 GMT -5
Well the premium for the $13k deductible plan was around what I pay now for health insurance so it was affordable. I just couldn't afford to actually use it. What YOU pay, or what your employer pays, Drama? A family plan is going to run upwards of about $1500/mo, of which many employers probably pick up a good 80% of (if not more). You pay the balance. So if you are paying $300/mo for your insurance and something on the exchange is $300, they are NOT the same cost. Your's costs $1500 through your employer, and the exchange is not going to be near that amount, even though you may be paying the same premium.
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Post by The Walk of the Penguin Mich on Mar 1, 2016 13:19:01 GMT -5
In 2013 we had a massive amount of ER and hospital bills for the surgery and physical therapy on ex's hand. We were dealing mainly with Mayo Clinic, so it might be different because they're so big, but I remember them giving us all kinds of info on different payment options. My SIL just told me the other day they finally got their daughter paid for (her birth/NICU stay four years ago) and that was just through our smaller local hospital that was taking payments. I've yet to encounter a hospital that would not work with you with regards to payment. They may not think that $10/mo is acceptable, but they will work with you as long as you pay regularly and don't try to skip out on the bill.
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Deleted
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Post by Deleted on Mar 1, 2016 13:19:25 GMT -5
Well the premium for the $13k deductible plan was around what I pay now for health insurance so it was affordable. I just couldn't afford to actually use it. What YOU pay, or what your employer pays, Drama? A family plan is going to run upwards of about $1500/mo, of which many employers probably pick up a good 80% of (if not more). You pay the balance. So if you are paying $300/mo for your insurance and something on the exchange is $300, they are NOT the same cost. Your's costs $1500 through your employer, and the exchange is not going to be near that amount, even though you may be paying the same premium. The employer contribution to my plan is over 18K/year then I pay 4K on top of that. Yikes.
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whoisjohngalt
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Post by whoisjohngalt on Mar 1, 2016 13:26:49 GMT -5
OMG, I was told over 15 yrs ago that I needed that surgery. You couldn't pay me enough money to have that done. Yeah....no one is going to be breaking bones inside of my head on purpose. I'm on the fence about it. I feel like it would improve my breathing 1000%. And I'm pretty sure meeting the airbag in January made it worse. I just had surgery in November so I'm waiting for now. I hope it worked for you, I really really do. I was born with it and it wasn't until my 20's that I started having a lot of problems. So i went to ENT (3 actually) and they all said that that surgery is the only solution. Since I am not very big on surgeries, I just waited and waited. And then I moved out of MD and it made my breathing 1000% better. Whenever I go back, within a day or two, I am very congested. There was more than one dr who told me that air quality in MD is very bad.
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wvugurl26
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Post by wvugurl26 on Mar 1, 2016 13:29:51 GMT -5
Yeah air quality isn't the greatest here. I grew up surrounded by chemical plants and it wasn't great either. I keep waiting to have it done. I had a different surgery last year so I'm not keen on going under again so soon. Plus I'm super busy at work right now with training and travel.
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whoisjohngalt
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Post by whoisjohngalt on Mar 1, 2016 13:31:48 GMT -5
I'm confused. Kid needs surgery and you have a money market account. What's the issue? because this is YM - where giving your family money is akin to mass murder. Actually, many people suggested much better solutions than just simply handing over cash. Teaching problem solving skills to a 22 yr old does not equal "you are on your own".
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Deleted
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Post by Deleted on Mar 1, 2016 13:37:49 GMT -5
Parroting what others have said but I would advise him to seek a payment plan with the hospital then if he ran into difficulties paying it back I would consider gifting him the money vs a loan. Teaching money management is better than writing a check and he knows you are there for him if needed.
On another note if I were to go out to dinner with my grandfather even today he would chew me out for trying to pick up the tab, that is just his style, the elder always picks up the tab. I always let him because I know he can afford it, I end up in a wrestling match with my father because I know they can't afford it.
There was a Sopranos like that where Meadows boyfriend tried to pay and Tony threatened to rip him a new one.
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Deleted
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Post by Deleted on Mar 1, 2016 13:44:44 GMT -5
But the hospital will "loan" him the money, too. Difference is, the hospital will expect to be paid back. No one ever asks outright for money, it's always a loan. Except the loan never gets paid back. You think the kid doesn't realize his parents have been loaned thousands over the years and never paid back? I always laugh when I hear the stories of family who were given loans they never paid back and come will reading time, their share is reduced by the amount of the unpaid loans and they're pissed off! My parents don't know it yet but my grandfather has deducted their outstanding loans from their inheritance and we are talking high 5 figures. I am the only one in the family that knows about it. My grandfather was actually laughing at what my mom's reaction will be at the will reading, I'm going to have popcorn ready. I mean it was a little awkward initially talking to my grandfather about his will but he laughs about it and says everyone has to go sometime so why be all weird discussing it.
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zibazinski
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Post by zibazinski on Mar 1, 2016 13:46:07 GMT -5
But the hospital will "loan" him the money, too. Difference is, the hospital will expect to be paid back. No one ever asks outright for money, it's always a loan. Except the loan never gets paid back. You think the kid doesn't realize his parents have been loaned thousands over the years and never paid back? I always laugh when I hear the stories of family who were given loans they never paid back and come will reading time, their share is reduced by the amount of the unpaid loans and they're pissed off! My parents don't know it yet but my grandfather has deducted their outstanding loans from their inheritance and we are talking high 5 figures. I am the only one in the family that knows about it. My grandfather was actually laughing at what my mom's reaction will be at the will reading, I'm going to have popcorn ready. I mean it was a little awkward initially talking to my grandfather about his will but he laughs about it and says everyone has to go sometime so why be all weird discussing it. It's going to get nasty. I hope he said why he was doing it. That might help but doubtful.
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Deleted
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Post by Deleted on Mar 1, 2016 13:50:35 GMT -5
My parents don't know it yet but my grandfather has deducted their outstanding loans from their inheritance and we are talking high 5 figures. I am the only one in the family that knows about it. My grandfather was actually laughing at what my mom's reaction will be at the will reading, I'm going to have popcorn ready. I mean it was a little awkward initially talking to my grandfather about his will but he laughs about it and says everyone has to go sometime so why be all weird discussing it. It's going to get nasty. I hope he said why he was doing it. That might help but doubtful. The relationship is quite complicated and the other children would be more mad if it weren't done that way (they anticipate it). It is completely fair as he is subtracting out the gifts to my uncle as well.
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Ombud
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Post by Ombud on Mar 1, 2016 13:54:55 GMT -5
In 2013 we had a massive amount of ER and hospital bills for the surgery and physical therapy on ex's hand. We were dealing mainly with Mayo Clinic, so it might be different because they're so big, but I remember them giving us all kinds of info on different payment options. My SIL just told me the other day they finally got their daughter paid for (her birth/NICU stay four years ago) and that was just through our smaller local hospital that was taking payments. I've yet to encounter a hospital that would not work with you with regards to payment. They may not think that $10/mo is acceptable, but they will work with you as long as you pay regularly and don't try to skip out on the bill. John Muir Medical Center in Walnut Creek CA requires bill to be paid within 120 days ... payment plans are not written longer than that
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