My wife is a catastrophic money pit

[rat-man]

...and I'm not talking about the usual shopping, "needs" (wants), drama-queen stuff.

In this regard I'm referring to the fact that she's an accident-prone klutz, and since she has a pre-existing condition, we have been denied any health insurance for her. Last night she tripped and fell, dislocated her ankle while visiting a friend's house, which required ANOTHER trip to the ER. I'm sure it will be a several hundred dollar bill, which I will have to look forward to in addition to being her personal b*tch for the next several weeks.

Besides just trying to save up cash for her eventual problems, and waiting to see what happens with Obamacare, do any INGOers have any suggestions or similar experiences to help me out in the mean time? Looking for ANYTHING that can keep me from what seems like a quarterly visit to the ER and subsequent THOUSANDS of dollars I have to spend. (it always seems to happen after business hours of other clinics)

(FYI I'm just a little frustrated and venting, but dealing with it pretty well, I also have a disabled parent I help out with, and this week as if it weren't enough a sick toddler who kept me up past 3AM last night. She's in pain, and I'm doing my best, but it's always got the potential to stress one out. House is still intact, everyone's napping at the moment except me. Just enough time to put this up. Thanks in advance.)

 

[printcraft]

S.S.S.

 

[sepe]

My advice, get drunk and spend a few months at a titty bar.

 

[snorko]

S.S.S.

My advice, get drunk and spend a few months at a titty bar.

INGO is harsh today.

 

[Baditude]

According to my insurance unless its life threatening ER is a no go even broken bones, perhaps making her wait until a normal dr visit is in order (will save you money). Now if if your an illegal alien the ER is your normal dr.

 

[88GT]

According to my insurance unless its life threatening ER is a no go even broken bones, perhaps making her wait until a normal dr visit is in order (will save you money). Now if if your an illegal alien the ER is your normal dr.

Ditto. I made my own kid wait until Monday morning for a doc appointment for what ended up being strep throat.

We aren't limited by our insurance plan per se, but the painfully high deductible sure has the same effect.

 

[fordmanchris]

You could always use it as an opportunity to hone your shtf first aid and medical skills. Although she may not appreciate being your training opportunity!

 

[Bert]

If her friend owns the home , her insurance should pay. Most homeowners policies have medical coverage.

 

[DocGlock86]

My advice, get drunk and spend a few months at a titty bar.

INGO is harsh today.

Thanks I needed that laugh

To the OP, I'm sorry about what's going on. Definitely have lived through the saying, "when it rains it pours". Hopefully brighter days are ahead.

 

[Turn Key]

If her friend owns the home , her insurance should pay. Most homeowners policies have medical coverage.

^^Exactly

If they don't have insurance, get the loudest mouthpiece of an attorney you can afford ..

TK

 

[hornadylnl]

If her friend owns the home , her insurance should pay. Most homeowners policies have medical coverage.

^^Exactly

If they don't have insurance, get the loudest mouthpiece of an attorney you can afford ..

TK

Exactly why I don't let others shoot or hunt on my property. It's also why I burn truckloads of good firewood in the burn pile. I will not let others' carelessness put me out of house and home. People like you two are why hunters can't find property to hunt.

 

[Fishersjohn48]

Exactly why I don't let others shoot or hunt on my property. It's also why I burn truckloads of good firewood in the burn pile. I will not let others' carelessness put me out of house and home. People like you two are why hunters can't find property to hunt.

 

[HavokCycle]

..... you really need to sue your friend?
i realize that weve come to a world where everyone is liable, and no one takes personal accountability, but cmon. do i need to start handing out liability waivers at parties? its starting to come to that......

 

[GodFearinGunTotin]

..... you really need to sue your friend?
i realize that weve come to a world where everyone is liable, and no one takes personal accountability, but cmon. do i need to start handing out liability waivers at parties? its starting to come to that......

Agreed.

 

[Fishersjohn48]

http://www.youtube.com/watch?feature=player_detailpage&v=S9J7XE-ctMU#t=55s

 

[hornadylnl]

..... you really need to sue your friend?
i realize that weve come to a world where everyone is liable, and no one takes personal accountability, but cmon. do i need to start handing out liability waivers at parties? its starting to come to that......

I carry a $1 million umbrella policy to protect my assets due to accidents on or off my property. I don't pay that premium so that others may hit the lottery at my expense. Sorry, you're (you as in everyone) not welcome here.

 

[Hajisc]

It's a shame it has to come to that but you do have to cover your ASSets

 

[singlesix]

https://medi-share.org

 

[Titanium Man]

Exactly why I don't let others shoot or hunt on my property. It's also why I burn truckloads of good firewood in the burn pile. I will not let others' carelessness put me out of house and home. People like you two are why hunters can't find property to hunt.

This is exactly the reason I don't extend ANY type of friendliness to anyone, unless I've vetted them completely or they are long time friends.

A friend watched our dogs while we were out of town, and while we were gone, a hail storm hit and dented the crap out of his car, along with our roof, and my car. Gee, do I gotta pay for his car?

Unless I do something absolutely and totally negligent, I'm not liable for doodie.

My wife now understands why I'm paranoid, previous posts in this thread would be an excellent example.

 

[Titanium Man]

I carry a $1 million umbrella policy to protect my assets due to accidents on or off my property. I don't pay that premium so that others may hit the lottery at my expense. Sorry, you're (you as in everyone) not welcome here.

ME TOO!!