Since folks know that I write this personal finance blog, people have been interested in the financial side of the sudden surprise of my heart attack. While not all of the numbers are in yet, it looks to be less expensive than I thought.
It seems like I often read about people racking up tens of thousands of dollars of medical bills when something serious happens. I wasn’t sure if this would be $10K, $20K, or $40K. My wife and I thought it would be at the higher end of that range.
We got the first few bills in the mail now, and it looks like it will be less than $15K total.
The hospital bill was $7K, of which we have to pay about $5K of. Our insurance deductible is $6.75K, so we haven’t used that all up from 2019 yet. On top of that, the ambulance to get me to the hospital $2.5K (but only $0.5K cost to us, even though it didn’t seem like our deductible was completely used). Additionally, I had a CT Scan that will be billed in 2020 and I’m guessing that will be about $1K. Lastly, my cardio rehab (also 2020) at the hospital gym is $300 per session x 10 sessions. That’s another $3K.
All told, I’m guessing I will pay about $10K of the $15K. I’ll still have headspace in my 2020 deductible – about half of this year’s $6.9K.
The good news is that the CT scan came back very positive and it looks like I am ‘out of the woods’ of additional risk at this point. In the last 4 weeks, I feel like I’ve gotten myself almost up to 100% of my cardio fitness level from before the heart attack. Last week I began running (jogging) on the treadmill for the first time in a long time. Felt good!
What’s the most expensive medical bill you’ve encountered? Was it well covered by insurance?
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