Getting surprised by my deductible: medical decision coming up

Avatar for poorboy2011
iVillage Member
Registered: 10-02-2011
Getting surprised by my deductible: medical decision coming up
21
Thu, 01-05-2012 - 12:44pm

My employer changed our insurance plans, and now I have a much higher deductible. Before I picked my insurance plan, I did some calculations, because I'm becoming financially smart, right? The plan I picked seemed like the cheapest one for my needs. But then, as I discovered after the enrollment period was over, I have two deductibles, one for in-network and one for out-of-network, and they are summed separately. I wasn't aware of this last part about summing separately. That really changed the cost for me.

iVillage Member
Registered: 04-10-2003
Bahahaha PB taking the board on your date probably wouldn't work out so well.
When I was online dating I would often go on first and second dates in coffee shops. It served a few purposes:
1) Relatively low cost :) If money is an issue, you can simply arrange to meet at the shop and make sure you arrive a few minutes early so you can get your coffee (or tea or whatever). When date arrives she can grab her own and sit down. No awkward who-should-be-paying moments :)
2) If the date is not going anywhere you can get out of it;
3) If the date is incredibly boring you can people watch over their shoulder :)

I also used to save a lot of airmiles and collectors points that I could "cash" in for things. I would often get movie passes and would use these for dates!

I totally agree with you though that your anxiety is probably improving because you are taking control of your money. Even though the number is scary, knowing is so much better than not knowing!

Bex -

Avatar for poorboy2011
iVillage Member
Registered: 10-02-2011

Yes, Bex, I was thinking of coffee shops as well. I don't want a plate full of food blocking my escape if things don't go well.

Given my current financial situation, I keep thinking of an episode from Reno 911 (a spoof of cop shows) in which two people, on a date, are ordering food in a restaurant. He says to the waiter, "I'll have... the popcorn chicken, and" *handing a coupon to the waiter* "she'll have an entree of equal or lesser value."

I don't know why I can't get my brain started today.

iVillage Member
Registered: 11-14-2008

Hahahahaha, she will have the meal of equal or less value....that is funny and not recommend unless you don't like her!

A walk is a nice first date too or skating if she is game.

Taking the board on your date is not recommended. You would no be allowed to talk. The only reason you get to talk here is because we have individual posts, just so you realize, lol!

Hang in there PB!

Community Leader
Registered: 08-25-2006

Hi PB, just had to throw out my two cents on the dating thing.

Serenity
Avatar for poorboy2011
iVillage Member
Registered: 10-02-2011

As I sit here with my cold feet, I am warmed by enthusiasm on the board. Thanks for sharing your experiences and ideas. I find that there is something to be gained from everyone's input.

In the past I had more of a problem controling my spending rather than not spending enough. I'm not so poor that I have to go Dutch, and I enjoy taking people out to dinner. (Maybe I'm deluding myself -- Karen? Karen?) On the other hand, I don't expect I'll like women who want men to shower large amounts of money on them. *Sigh* Why am I thinking so far ahead? I feel very conflicted for reasons that I won't go into...

iVillage Member
Registered: 04-16-2008

I'm not so poor that I have to go Dutch, and I enjoy taking people out to dinner.

Just a suggestion:

iVillage Member
Registered: 10-01-2009

Hey poorboy...

On a first date...whoever makes first contact should foot the bill...the second date (if there is one) should be the second party.....after this point in time you should have a bit of understanding of each other's situation and then can plan dates around both's financial situation....

Don't be scared of dating....enjoy getting to know the gals....be yourself...you sound like a really funny guy that can hold his own....ooooo and always dress up for the first date.....the sweatsuits can wait till date number four...lol

All the best,

Duke

iVillage Member
Registered: 11-14-2008

I definitley think you should date. Nothing wrong with buying a coffee for someone.

iVillage Member
Registered: 04-10-2003
Absolutely date! You need to get out there. It can be a lot of fun (or, at minimum, you can end up with some great stories ---> I went out once with a guy who proudly told me he just got fired for "losing it" on his boss because he wasn't going to "take no more S*%T" . . . and this was someone w.ho seemed so normal in the emails and conversations prior . . . I digress)
Don't let money stand in your way. You may meet someone with the same goals who can support you through this!

Good luck!

Bex -

iVillage Member
Registered: 04-10-2003
LOL serenity, sorry you had to deal with that.
I guess it comes down to opinion. I used to prefer not having somone buy me coffee/ dinner because I always felt bad about it. The best dates were the ones where I got my coffee/ drink separate because there was no wierdness. Even with current BF I got to the restaurant first and ordered (and paid for) my drink :)
Although I have to admit, BF did pay for that meal, but for some reason, it wasn't wierd with him . . . hmmmmm. Interesting!!!

Bex -