So it turns out that, as a result of the urgent care and brief hospital stay Suzanne underwent when Aaron was born, we owe the hospital, ambulance company and lab somewhere in the neighborhood of $7000.
Now, the amount isn't that shocking. Medical care is expensive, and these folks basically saved my wife's life. OK with that. Totally.
But here's the thing... we pay around $200 a month for health insurance, and they aren't really covering any of it. Because our deductible is $10,000, not the $5,000 each that we thought it was. Again, more or less our fault, we had a high deductible, OK.
But what the hell is the point of paying for insurance if it doesn't cover health costs? I mean, I pay around $150 a month for car insurance on two cars... if I have an accident, that insurance will take care of the car. Isn't that what insurance is for? To get insurance that would actually pay for these uncommon expenses, we'd need to be paying near $1000 a month. Which I sure as hell can't afford. I imagine many can't.
I realized that the health care system and medical insurance system was broken, but I hadn't realized just how badly. The sick part is, I still have to pay over $200 a month for insurance that basically does *nothing* for me on the off chance something catastrophic happens and our bill does go over $10,000 somehow. This is not unlike paying $50 a week for "Godzilla insurance." It's not likely to happen, but if by some chance Godzilla does rampage through Austin, I'll be covered.
So I guess the budget will be a little tighter for the next year or two while we pay off the hospital in installments. Not gonna kill us, but it is frustrating that we'll be paying basically *two* medical bills each month, one for past costs and one as a mostly ineffective hedge against future ones.