by Vicky Monroe
When it rains, it pours! In addition to my dental issues, I’ve had two more medical problems pop up. My medical costs are definitely going to be higher this year than last year. Just a warning—possible TMI coming if you’re squeamish and don’t like discussing medical stuff.
Getting An Ultrasound
I’m not due for a physical until December, but I had to go back to the doctor early because I had a painful rash/lump on my chest. Plus, my armpit was hurting badly due to what I believed was a swollen lymph node.
If you have a touch of health anxiety like I do, you’ll understand the panic I felt when I looked up my symptoms on Google. I was so scared that I had cancer that I considered going to the emergency room (luckily my spouse talked me out of it).
My doctor believes it’s a benign cyst and I’m on a course of antibiotics to treat it, which were completely covered by insurance. However, I still have to go for an ultrasound in a month just to make sure there’s nothing else going on. My doctor thought it was a little weird that the swollen lymph node wasn’t on the same side of my body as the cyst, so she wanted to order more tests to be safe.
Another medical issue I have going on is potential ADHD. My therapist who I’ve been working with for over a year believes it’s possible I have it and wants me to get tested by a psychologist. I’m in the process of finding a psychologist who has an opening in the next couple of months (many are booked up for a year or longer) and takes my insurance, which will hopefully help reduce the cost of the testing. I’ve heard it’s expensive, so I’m not looking forward to getting that bill!
But I think undergoing testing will be worthwhile. I’ve been doing research on ADHD and the more I read, the more it seems to match up with my personality. Many people with ADHD say they have a constant hum of thoughts, and I definitely relate. During the day, I cycle between feeling like my brain is in overdrive and feeling completely spaced out. Although I was an A student and have managed to run my freelance writing business, tasks take me longer than the average person.
I was always the last one to finish tests in school and had trouble paying attention to lectures and conversations. It almost feels like my brain or ears “short out” and make it impossible to understand what the person I’m trying to listen to is saying. I register that sound is coming out of their mouth, but I can’t interpret the words, no matter how much I wish that I could understand and focus.
My therapist thinks I developed good coping mechanisms over time, which enabled me to succeed in school and launch my writing business. But he thinks I may need medication to function optimally and stop feeling like I’m always behind the eight ball.
Recently I talked about our mortgage payment increasing to $1,500 per month. However, my spouse called the insurance company and managed to secure a lower homeowner’s insurance premium. We’re going to save about $900 on our policy this year, so our mortgage payment probably won’t go up after all.
Apparently we were getting homeowner’s insurance through an insurance broker, which raised the cost. We’re not sure how this happened because we called the insurance company directly to get our policy. It’s good news that our insurance will cost us $900 less this year. But I’m upset that we’ve been paying more than we had to for the last two years unknowingly. Has something similar ever happened to you? I’m pretty confused by the whole situation!
Confession: We’ve Taken On A Little More Debt
Ashley’s February 2023 Debt Update
Finally Dealing With My Dental Issues
Vicky Monroe is a freelance personal finance and lifestyle writer. When she’s not busy writing about her favorite money saving hacks or tinkering with her budget spreadsheets, she likes to travel, garden, and cook healthy vegetarian meals.