I participated in a campaign on behalf of Mom Central Consulting for Aflac. I received a promotional item as a thank you for participating.
I’ve always giggled when I see Aflac and their duck on TV. My kids also enjoy them and my daughter yells ‘duck’! Two year olds, right? But it’s really not a laughing matter when you don’t have money to pay for your family’s medical bills. We’ve had our ups and downs, especially since moving to a new state and figuring out where to go for the best medical coverage our insurance provides. I am very fortunate to have insurance but how do I know what it will cost before I go to the doctor? Aflac’s cost calculator is the tool to use.
Our daughter was sick with RSV last year and previous to that our insurance had changed providers. There are two hospitals in South Bend, Memorial, where I had delivered our daughter and our previous insurance covered, and St. Joseph, where our current doctor is and our current insurance covers. Guess which one I went to?? You guessed it. Memorial. I just wasn’t thinking that I had to call and find out which hospital our insurance was good at. They are hospitals so my insurance should be good either. Well you know what they say when you assume right? Lesson learned to always, always call and check any medical expense out of the ordinary.
My point? Injury and illness can happen to anyone, anywhere and Aflac Real Cost Calculator can help determine your out-of-pocket expenses to save on your medical bills. I input the cost of asthma for a child (since my son is asthmatic) and the number is $4,685 yearly out-of-pocket if you don’t have insurance. That amount is HUGE! Paying for medicine alone is quite expensive but if your child is hopitalized or needs to go to the doctor for a breathing treatment, the cost would probably triple. I also put in the information for pneumonia (child) since both the kids have had Walking Pneumonia and can be hospitalized pretty quickly if it escalates. Cold and flu season will be here again before we know it! According to the Real Cost Calculator, the average real cost is $9,453. Wowza! And that’s PER child!
Bottom line: Medical bills are EXPENSIVE! Yes I know you already knew that but now you can use the Real Cost Calculator to figure out just how expensive those unexpected expenses can become!