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made a costly mistake today #7351668
09/09/21 07:56 PM
09/09/21 07:56 PM
Joined: Jul 2009
Posts: 1,518
Oregon
H
H2ORat Offline OP
trapper
H2ORat  Offline OP
trapper
H

Joined: Jul 2009
Posts: 1,518
Oregon
actually it was monday but the consequences are just hitting home today. First time in 3-4 years that i had health insurance. It ended in june. Monday I had a ladder slip out from under me (6-8 ft high ) and fell and broke my radius at the head. I had braced myself for the +/- 10 k bill and the 6-8 weeks recovery. I got notice yesterday that it will be more like a 25k bill and 3 month recovery. we will get through this but i am getting really tired of the "one step forward 3 steps back" approach to life.

Re: made a costly mistake today [Re: H2ORat] #7351676
09/09/21 08:06 PM
09/09/21 08:06 PM
Joined: Oct 2014
Posts: 2,809
Eau Claire Wi
Trap Setter Offline
trapper
Trap Setter  Offline
trapper

Joined: Oct 2014
Posts: 2,809
Eau Claire Wi
That stinks man. Hopefully you get the family on major medical insurance after this. It won't cover much but helps a lot with the big stuff.

Praying for a speedy recovery


Life sure is tough when you don't learn from the mistakes of others.
Re: made a costly mistake today [Re: H2ORat] #7351685
09/09/21 08:10 PM
09/09/21 08:10 PM
Joined: Feb 2015
Posts: 4,965
Iowa
T
trapdog1 Offline
trapper
trapdog1  Offline
trapper
T

Joined: Feb 2015
Posts: 4,965
Iowa
And I'll bet it hurt like too!
Hang in there, man.

Re: made a costly mistake today [Re: H2ORat] #7351695
09/09/21 08:18 PM
09/09/21 08:18 PM
Joined: Jun 2012
Posts: 2,791
KY.usa
rex123 Offline
trapper
rex123  Offline
trapper

Joined: Jun 2012
Posts: 2,791
KY.usa
Welcome to the American medical system. Sad

Re: made a costly mistake today [Re: H2ORat] #7351705
09/09/21 08:24 PM
09/09/21 08:24 PM
Joined: Feb 2014
Posts: 23,717
nm
A
adam m Offline
trapper
adam m  Offline
trapper
A

Joined: Feb 2014
Posts: 23,717
nm
Ouch. I'm sorry to hear that. Praying for you
Sounds like we are doing the same dance. Lol

Re: made a costly mistake today [Re: trapdog1] #7351724
09/09/21 08:34 PM
09/09/21 08:34 PM
Joined: Jul 2009
Posts: 1,518
Oregon
H
H2ORat Offline OP
trapper
H2ORat  Offline OP
trapper
H

Joined: Jul 2009
Posts: 1,518
Oregon
Originally Posted by trapdog1
And I'll bet it hurt like too!
Hang in there, man.

Actually the pain hasn't been horrific. kept me awake the first night - but after that has been bearable. Being self employed has its benefits -- but this aint one of them.The wife has insurance (good) through her work, but i couldn't justify the 850+ to add my daughter and myself to the policy. Gov ins was only 400 but i was making too much money this year to qualify for the subsidy. If i had the insurance would have still cost about 10 k. Those of you with health insurance covered by your employer ------ BE SURE TO THANK THEM.

Re: made a costly mistake today [Re: H2ORat] #7351731
09/09/21 08:38 PM
09/09/21 08:38 PM
Joined: Dec 2013
Posts: 256
Montana
J
Jackdale Offline
trapper
Jackdale  Offline
trapper
J

Joined: Dec 2013
Posts: 256
Montana
That sucks! Pm me your po box and I'll send ya$20!

Re: made a costly mistake today [Re: H2ORat] #7351746
09/09/21 08:51 PM
09/09/21 08:51 PM
Joined: Dec 2006
Posts: 44,041
Minnesota
330-Trapper Offline
trapper
330-Trapper  Offline
trapper

Joined: Dec 2006
Posts: 44,041
Minnesota
Sorry About that Man.
Prayers


NRA and NTA Life Member
www.BackroadsRevised@etsy.com




Re: made a costly mistake today [Re: H2ORat] #7351752
09/09/21 08:55 PM
09/09/21 08:55 PM
Joined: Jul 2009
Posts: 1,518
Oregon
H
H2ORat Offline OP
trapper
H2ORat  Offline OP
trapper
H

Joined: Jul 2009
Posts: 1,518
Oregon
Thanks for the offer Jack -- but we will make it -- it just gets frustrating when things start finally improving and you get a somewhat major setback. Maybe its just the painpills and the beer talking -- but there are many others who could use that more than me. My daughter is helping out with the work ( she changed an alternator and a belt on a booster pump yesterday) -- I had to cancel a couple of large jobs and rearrange my schedule but will still have the best year in my companies history (about 3 years this time). Just venting about all the systems that worked ok before the government intervention.

Re: made a costly mistake today [Re: H2ORat] #7351970
09/10/21 06:23 AM
09/10/21 06:23 AM
Joined: Dec 2006
Posts: 2,039
PA Venango Co.
R
Ron Marsh Offline
trapper
Ron Marsh  Offline
trapper
R

Joined: Dec 2006
Posts: 2,039
PA Venango Co.
ouch I had that same break when I was 12. Praying for your recovery. don't slack on the PT.


PTA Lifetime #131N. Salvation Army CSM
Stakes: Why leave them?
ALWAYS John 3:16 814-677-2564 http://marsh.20megsfree.com
Re: made a costly mistake today [Re: H2ORat] #7351979
09/10/21 06:33 AM
09/10/21 06:33 AM
Joined: Dec 2017
Posts: 4,623
Kansas
Pawnee Offline
trapper
Pawnee  Offline
trapper

Joined: Dec 2017
Posts: 4,623
Kansas
Hope you heal quickly. Praying


Everything the left touches it destroys
Re: made a costly mistake today [Re: H2ORat] #7352085
09/10/21 08:16 AM
09/10/21 08:16 AM
Joined: Dec 2013
Posts: 10,275
Greene County,Virginia
R
run Offline
trapper
run  Offline
trapper
R

Joined: Dec 2013
Posts: 10,275
Greene County,Virginia
I know being self employed is not all it's cracked up to be - personal experience.


wanna be goat farmer.
Re: made a costly mistake today [Re: H2ORat] #7352183
09/10/21 09:28 AM
09/10/21 09:28 AM
Joined: Dec 2006
Posts: 3,337
S.W.Oregon
newhouse114 Offline
trapper
newhouse114  Offline
trapper

Joined: Dec 2006
Posts: 3,337
S.W.Oregon
I flipped a four wheeler several years ago and the from rack came down on my radius at the wrist. My radius is now about 1/2 inch shorter than it was and lots of PT to get back most of my range of motion. Not fun.


Life Member NTA & FTA
"Life isn't about waiting for the storm to pass. It's about learning to dance in the rain

http://alaskastoneanivory.com/index
Re: made a costly mistake today [Re: H2ORat] #7352224
09/10/21 10:28 AM
09/10/21 10:28 AM
Joined: Jun 2010
Posts: 442
Oregon
SpottedOwl Offline
trapper
SpottedOwl  Offline
trapper

Joined: Jun 2010
Posts: 442
Oregon
Negotiations with the providers works. I have Ins and Iím still negotiating the amount Ins wonít cover. It may not be huge numbers but every little bit helps.

Get better.



Owl


Spend time with your kids while THEY still have time

Your life is an occasion ..... Rise to it
Re: made a costly mistake today [Re: H2ORat] #7352281
09/10/21 11:50 AM
09/10/21 11:50 AM
Joined: Dec 2006
Posts: 6,193
Oregon
beaverpeeler Offline
trapper
beaverpeeler  Offline
trapper

Joined: Dec 2006
Posts: 6,193
Oregon
Sorry to hear that Dave. You're right, we self employed have a lot to be thankful for in many ways but not having health insurance that is affordable is a crappy deal.

Hope you can wheel and deal with the providers some and get that bill whittled down. And get well!!!


"Hyar's the beaver. Whar's the likker?"
Re: made a costly mistake today [Re: H2ORat] #7376723
10/11/21 12:44 PM
10/11/21 12:44 PM
Joined: Jan 2014
Posts: 13,096
Central Oregon
AntiGov Offline
trapper
AntiGov  Offline
trapper

Joined: Jan 2014
Posts: 13,096
Central Oregon
How are you healing up ? Hope all is well


Report a post club - Non member


Re: made a costly mistake today [Re: H2ORat] #7376726
10/11/21 12:52 PM
10/11/21 12:52 PM
Joined: Jul 2009
Posts: 1,518
Oregon
H
H2ORat Offline OP
trapper
H2ORat  Offline OP
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Joined: Jul 2009
Posts: 1,518
Oregon
surgery went well and just had a followup visit this am. they removed the stitches and put me in a brace - said i am supposed to wear it for a month. Now i just have to get the fingers and thumb stretched out and working again. pretty much guarranteed that i won't be 100% by trapping season but it looks like i may at least be functional -- we will see how it holds up to fleshing beaver.

Re: made a costly mistake today [Re: H2ORat] #7376731
10/11/21 12:59 PM
10/11/21 12:59 PM
Joined: Mar 2007
Posts: 215
kodiak alaska
O
otter3006 Offline
trapper
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trapper
O

Joined: Mar 2007
Posts: 215
kodiak alaska
You Are going to make it with that positive thinking forward.good speedy recovery to you

Re: made a costly mistake today [Re: H2ORat] #7376846
10/11/21 03:08 PM
10/11/21 03:08 PM
Joined: Dec 2006
Posts: 9,998
Oakland, MS
Drifter Offline
trapper
Drifter  Offline
trapper

Joined: Dec 2006
Posts: 9,998
Oakland, MS
Good luck on it. Hope the providers will work with you.


Experience only teaches the teachable.

Aldous Huxley









Life member NTA , and GA Trappers assoc .
Re: made a costly mistake today [Re: Drifter] #7376894
10/11/21 03:51 PM
10/11/21 03:51 PM
Joined: Jul 2009
Posts: 1,518
Oregon
H
H2ORat Offline OP
trapper
H2ORat  Offline OP
trapper
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Joined: Jul 2009
Posts: 1,518
Oregon
Originally Posted by Drifter
Good luck on it. Hope the providers will work with you.

I hope so too -- haven't got all the bills yet but looks like in the 25-30k range. but if you add up what my premium would have been and the max out of pocket on the plan i would have had it would have been 17k +/-. so as long as i don't do stupid things every year i would be money ahead. I just changed the money i was putting aside for a newer service truck, and the money i wasputting aside for health insurance into paying the med bills. maybe next year? maybe not? The wife is working with all the entities involved on discounts and payment options.

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