Out of Network costs of your care

Actually - the easiest way to look at it is how much, since January, I've needed to take out of my savings. I've had to take a bit out each month because I don't make ends meet with my job... but ... I began to hemorrhage when this hit. I am including time away from work from the aneurysm because I am pretty sure that was related.

In 8 months: $5,900

What do people do WITHOUT savings?

I have a small buffer left.

Guess I'll cross that road when I get to it and gosh am I grateful I am making progress with some regression but then progress again.

My insurance covered everything....meaning the abx and the blood work (I pay $145 out of $2600) apparently they were all routine test except for the lyme, 5 most common co-infections.
insurance of course did not cover all the rest.....probiotics....so far I have spent about $150....and the herbs are on me. I am about over $2000 including supplements.

Uffda between myself and all 4 kids I'd have to get back to you on that one.

Except for some of the bloodwork and a few pharmaceuticals all of my care over the last 2 1/2 years has been out of pocket. Arizona insurance doesn't recognize ND's so I couldn't do the out of network thing :( I've spent a ton and it's all gone on the credit cards. Include my supplements and better quality foods, I've barely got anything to live on left. It's been tight. But, hey, if I'm dead it won't matter and that's where I was headed one way or another. It may take me years and years to pay all this back, but I'm giving myself the best chance I can to do that, right? I figured I've got one chance at this, to get better, and I'd better give it all I've got. I'm now out of room on the credit cards to pay the ND anymore, so I'm winging it on my own these days, but that's cool, I feel like I have had enough time to educate myself on all this and can go back to the ND if I get a little dough, if needed and what I'm doing isn't working.

Yes, the healthcare system $crewed me. But I'm fortunate in many ways - I was diagnosed (#1 reason to be thankful), I had credit cards that were almost completely open (usually I never use them for anything they just sit in my wallet "in case of emergency") and I had a really good doctor that used a treatment plan that was gentle but effective for my totally broken body and it seemed to have worked pretty well.

I think if I added up ALL of my healthcare expenses, including everything related to my care, I'd probably give myself a heart attack and this would all be in vain! But I guess that would at least be covered! LOL So, we'll just say a lot....a lot of money.

Jenny

multifacedme.....I really tanked my CC at this point with this. Very sad. I am not even going to the dr...for visit because a co pay will cost me like 2 bottle of andrographis....

Insurance with cover some testing and meds depending how they are coded.

My office visit with Dr J was $800x2 (me and my son initial intake). I have a phone appt in 4 weeks that is $345 for 1/2 hour. My son doesnt have an appt for another 14 weeks (I expect that to be around the $345 figure times two).

So far they have paid for the prescription meds. For my son, we're doing a drug challenge. Insurance covered the scripts but I didn't see how it was coded.

I have a bunch of supplements etc for detox & building my immune system.

The wife of a friend of my husband's (from work), was treated with IV abx & the cost was about $1500 a month. They fought the insurance company & eventually got them to pay but we aren't going to try it too much risk of them stopping my "fibromyalgia" treatment. The fibro treatment is what allows me to make it through the day. We will remove stuff when its not needed, but the doc actually added things to try to stabilize my pain.

They told me to figure 15 months.

So yeah we are taking a lot out of our savings but we feel it will be worth it. Ive been sick for 35+ year so getting better is worth the cost.

Too much to even talk about. I know I mentioned it in another post somewhere but since then I've just stopped adding it up because it's too depressing. I know greater than $30,000. What I am thankful for is the fact that all my regular labs are 100% covered. Not those extra test (mold, mycotoxin, neurotransmitters)....

This thread makes me cringe.

Wow this is some post. I'm pretty good at geography but do not know where Sponaugle is. For $300K I would want to be 100% healed.

Not sure but over $4K already. This is for two doctors before LLMD, the LLMD, all the testing, testing for my son, the cost of his visit with the LLMD (hasn't happened yet). Not sure what we will be reimbursed with. Eating well and supplements I do anyway so not really counting that.

If you are CDC positive and continue testing positive for lyme the insurance will pay for abx treatment.
The insurance does not cover additional treatment simply because they are not recognize as "real medicine"....so whatever doctor ...ND ...and the like under their guidelines are simply quackery doctors.

I am not spending any money for any doctor at this point. Hell I do not even want to pay for $25 copayments.
If I have to die I will die. For that I am ready.
Any doctor who is charging over $100 to see a patient to me is like not only immoral from the human point of view...is just plain profiteering.