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Home > Another medical bill (shrug); some good money news too

Another medical bill (shrug); some good money news too

October 31st, 2013 at 12:37 pm

A fourth medical claim just popped in from NT's ER visit. This one is for $1396, but our responsibility is only $142.39. The big $4K+ bill is still being processed, so not sure what our responsibility there will be.

At this point I'm not really worried about more bills because I'm resigned to paying up to the out-of-pocket max; if we come in under that when all's said and done, great, but I'm not counting on it. I'm SO glad that OOP max is in place so I don't have to worry as much! My only concern is whether there are a bunch of fine-print exceptions of expenses that don't count toward the max, but as far as I can tell it would be just co-pays that might take us over the max.

Anyway, on the plus side, NT got an annual statement that one of his retirement accounts gained over 2000 pounds this past year. I'm not good at investment math but I believe that's over a 10% increase, since it was 17,000 and some change and is now 19,000 and some. Nice gain!

Also, we've been getting a bunch of credit card offers in the mail. Most of them are worthless to us; balance transfers! low introductory APR! (Yawn.) But last night I got one for Chase Sapphire Preferred. I'd been contemplating double (triple?) dipping their spend-$3000, get-$400 offer, but I'm glad I dragged my feet: The mail offer was spend $2000 get $400! I signed up online and was approved right away. That'll be a nice big snowflake for debt in a couple of months (and of course it'll be more like $420 since you also earn on the spending that gets you to the bonus offer).

So now we've got three applied-for cards and two instant approvals. If the third one is approved as well, we'll need to spend $3500 and we'll get $970 back. That's like getting a 27% discount on what we buy!

2 Responses to “Another medical bill (shrug); some good money news too”

  1. creditcardfree Says:

    It is good you can be semi relaxed about the bills. I'd love to get that Chase offer in the mail. Crossing my fingers!

  2. Merilu Says:

    Have you tried negotiating with the hospital about your bill? If the bill is large, our local hospitals will take a percentage off if you pay the balance in full. This has worked for us when we had large bills.

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