these are the most financial mistakes I have ever made and supercouponing is not gonna save my ass. I got sick in Sept, hospice nurse LOVED my job, went back because I ran out of FMLA, I worked Dec but I was very, very sick. Eventually landed in hospital and never well enough to go back to work. First mistake, by October my docs were telling me to apply for SSDI immediately, I thought that was insane, I'm 45, I'm not taking SSDI and stop working, are you nuts? No, I was nuts, it took me NINE months before I believed, uh, yeah, about the SSDI, I think I might need that. I think in the end that might not be financially horrible because I think the lawyer says it will go back to when I first got ill, but it takes 2 years to get so wasting 9 months was incredibly stupid.
I was in a crisis when work was officially done so took Cobra because I was too ill to look into the NYS market place plans. Cobra is great for anything within my vast hospital system, including MD partners, testing, being inpatient. Not good at all when you need more acute care at the competitor. I have put off for months meeting with a NYS employee to help me find an equally good plan that covers both hospital systems. But I just found out I might need freaking brain surgery, the guru is at the competitor and I am not messing around with my brain. So I have to take care of this on Mon. I already screwed myself, I'm having tests there Tues that my insurance barely covers, it will be thousands, had I switched insurances, this would not be a problem. I spoke with the finance person, said not to worry they have grants, charity care and will discount the bill. But still, to not have done this 6/1 when I knew I needed to and it's almost Sept? That is so unlike me, I am always on top of my stuff, my family's stuff, my patients' stuff. If I can't fix this, it will be the biggest financial disaster ever for me and I take money pretty seriously. Definitely the thing in my brain is screwing with my decision making.
I deserve more than a face punch, add in a body slam