If I have learned one thing in my 30 something years it’s that when it rains it pours. I guess it was about this time last year, on a dark and foggy night, when three ninja’s jumped out from behind a light pole, and… Okay, not really… Let’s get serious here. After all there’s nothing funny about being stuck with Medical Bills is there? They leave some people in really bad spots, it’s actually rather sad. My husband and I had a small dose of what’s it’s like to owe medical bills.
It really was about this time last year, and in a two-week span three people in my family had to be taken to the emergency room. My oldest daughter was first, she cut her foot. Then my husband, who had kidney stones. Last was my toddler, who got into something that she shouldn’t have. Needless to say, when it’s a member of your family the last thing on your mind when there’s an emergency is money.
After it was all said and done, my husband and I were in debt about $6000! WHAT, but we have medical insurance! It’s true, we do, and sadly we have a deductible and blah-blah… You know all that insurance talk. In the end, parents shouldn’t have to worry about taking their children to the emergency room. I mean, really the last thing you want to worry about when something is wrong with one of your children is money! I’m just glad everyone is okay, but oh my goodness the medical bills!
I think it happens more than anyone would like. It’s easy to think you’re covered for things when you’re not, not fully understand your insurance, or know the ins and outs 100%. Insurance is some tricky stuff. I know about our healthcare, or I thought I did, truth is I thought we had more coverage than we did. When the bills started coming in I remember thinking the hospital made a mistake and did bill the insurance for someone’s stay. The hospital did not make a mistake, I did by not understanding our medical insurance totally. Luckily we had Aflac insurance to helps us when we needed them. I seriously don’t know what we would have done without Aflac. Shawn and I have four children, and bills to pay. The last thing we can afford is anything unexpected. Which is why it’s so important to prepare as much as you can for the unexpected.
I think we all hear about consumers being taken over by medical bills. It’s sad but it happens, its reality, and I seriously doubt that the cost of healthcare is going to go down anytime soon. The last thing anyone wants to stress about paying their bills on time due to healthcare debt. Which can only mean, higher copays, deductibles and premiums. Which is why I’m glad that I can introduce you to Aflac’s Real Cost Calculator.
Aflac’s Real Cost Calculator is a tool that helps consumers understand the costs that come along with those times when we’re sick or injured. It’s an awesome interactive tool, easy to use, and really help put things in a whole new perspective. It helps to empower consumers, by providing them with the knowledge and tools needed to be ready when it comes to unexpected healthcare costs. I have always been a firm believe that knowledge is power, and this tool does help shed a different color light on things.
Did you know that the average cost of a broken legs is more than $10,000? The Aflac Real Cost Calculator allows users to see the average costs of several different medical conditions. Swing over and check it out, I think you’re going to be surprised at how it works, how much healthcare costs after it’s all said and done, and how much you really need to be ready for the unexpected.
- It helps you to understand costs that are not covered by your medical insurance. Some of these things would be deductibles, copays, etc.
- There’s also those out-of-pocket expenses such as: gas, hospital stays, hotel rooms, travel expenses, etc.
- Now, we cannot forget about our every day bills… Electric, gas, car, mortgage, etc. We are going to have to pay these regardless of if we have an emergency or not.
Head over to Aflac.com/RealCost and try it out for yourself. You don’t even need to be an Aflac customer to use the Real Cost Calculator. It’s there for all of use to try.
I was really surprised at the results, and how much emergencies would cost me out-of-pocket. It really is enough to make one stop and think about the unexpected…. Are you ready for the unexpected? If something was to happen tomorrow could you cover health care costs and your’ monthly expenses?
Head on over and check out the Aflac Real Cost Calculator and gain the knowledge you need to be as ready as you can for unexpected emergencies. You can also check to see how an Aflac policy can help you.
Have you been hit with an unexpected medical expense and been saved by an Aflac policy like we have been I would love to hear your feedback and thoughts on the subject…
I participated in a campaign on behalf of Mom Central Consulting for Aflac and was compensated for this post.