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Another ER Trip on My Watch

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My husband was working on our home renovation last Saturday and I was home with the kids. We’ve been working day and night on the renovation but I decided to stay at the rental house with the kids so they could get a good nap. We’ve been running power tools seemingly non-stop, and the kids really need some quiet rest.

My daughter had been asking all week if I would play with her making Play-Doh ‘tacos’. My husband had also been asking all week I could take some time to find some paint or wallpaper for the dining room and I just hadn’t had time to do either. I was at my computer looking at the swatches when my daughter asked if we could sit down to make tacos. I told her I needed 30 minutes at the computer and then I would happily play with her. While she was waiting, I asked if she and my youngest son could clean their room (they are sharing). When we clean, we blast music. She was blasting Encanto, and I had asked if she could close the door so I could concentrate (and there is only so much ‘Bruno’ I can take). They were going in and out of the room, and I kept asking them to keep the door closed.

I heard the door open, and my daughter came out to tell me the room was clean. My son, who knew I wanted the door kept closed, kicked the door shut. The solid core door. The door my daughter’s hand was in…hinge side. I get chills thinking about her scream. I RAN to the door to open it and looked at her hand and almost threw-up. I won’t describe it just know; it was bad. Again, I am not the person you want in an emergency.

I scooped her up and immediately put a cold wet towel on her hand. My husband was only five minutes away, so I had my son call him. He came home to take her to the ER while I stayed home with the other three kids. We have a wonderful children’s ER 5 minutes away and they were amazing. They were able to put her hand back together, but they said we won’t know if the nails will grow back for 6-8 months. They told me not to get my hopes up.

We have a high deductible health plan with an HSA account. We’re fortunate to have a decent amount in the account since I made a couple accidental overpayments in it when I switched to the new job. They had to do x-rays, stitches, and a bunch of other magic so the bill will likely be a big one, but we have enough to cover the max out of pocket so financially we’ll be OK. Yet another reason to make sure you can cover the max out of pocket if you choose the high deductible plan. Life is unpredictable.

Emotionally? I’m far from OK. The mom guilt is hitting me hard core. If I would have just sat down to make Play-Doh tacos when she asked, this wouldn’t have happened. If I hadn’t have asked them to keep their door closed, this wouldn’t have happened. My husband keeps telling my I’m being ridiculous, but I can’t shake it. As soon as he left for the ER, I completely fell apart. When the doctor said she might never have nails again on that hand, I started crying all over again. I love painting her nails. It’s her favorite thing. Geez. I’m crying just writing about it.

Money? Gonna be fine. My heart? Filled with so much guilt.

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Simple Ways to Save Money on Dental and Medical Care

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Medical treatments can be expensive. Between standard medical care and more specialized or emergency situations, you spend a lot of money to keep your body and mind healthy. However, there are ways to save money on dental and medical care. Follow these four tips to reduce the amount of money you’re spending in these situations.

 

Have a Primary Care Doctor

A primary care doctor is a doctor that you go to first. They are the one who performs your yearly physical, as well as addresses any issues. If you want to save money, you should have a primary care doctor. People who see a primary care doctor save 33% over people who only go to specialists. Your primary care can address problems early on, preventing you from needing further care. They can also give you advice on how to maintain your health, which can also save you future medical expenses. So if you don’t have a primary care doctor already, you should get one and establish a relationship.

 

Go to the Dentist

Many people avoid going to the dentist and for some, it is because of the cost. However, regular dental treatment can actually save you money in the long run. By getting regular cleanings and exams, you can catch problems while they’re mild. Treating them will be cheaper and you’ll have healthier teeth. 32% of people say they are “concerned by the look of their teeth.” If you don’t have dental insurance or can’t afford a visit, you can find cheaper alternatives. Some offices offer memberships or clinics to help patients get the care they need at a cheaper cost. Since oral health can impact your entire body, it is important that you take care of your mouth with regular dental cleanings and exams.

 

Use Urgent Care

Sometimes a trip to the emergency room is necessary. In this case, it is worth the large amount of money you often pay for treatment. However, other times the emergency room isn’t the only option. If you have an injury or illness that isn’t dangerous but needs treatment, consider going to urgent care instead. Urgent care clinics are staffed by doctors and other medical professionals, so you’re still going to get the care you need. They can treat your issue faster and for less money than the emergency room. If you’re not in an emergency, going to urgent care instead of the emergency room can save you hundreds of dollars on medical expenses.

 

Don’t Ignore Symptoms

If you’re concerned about medical costs, you might avoid treatment in order to save money. If a symptom appears, you’ll either treat it at home or hope that it goes away on its own. Unfortunately, it is not common for issues to disappear without intervention. The chance that allergic rhinitis or asthma will go away on its own is about 1% each year. The same goes for other unusual symptoms, some of which might get worse without care. If you try to ignore a small problem, it might become a larger and more expensive issue over time. This could cause you to have to get more intensive treatments, paying more money for them. See your doctor for any concerning symptoms just to be sure that everything is alright.

Healthcare is expensive. You need to keep your body healthy, so you will have to pay some of that cost. But if you’re careful, there are ways to save money on dental and medical care. Look for deals and take care of yourself. Often paying a little now can save you money later. So take these tips into consideration as you make medical decisions for yourself and your family.