Healthcare insurance update: I misunderstood my schedule of benefits (by "misunderstood," I mean that I gave the benefits summary nothing more than a cursory glance when I selected our plan at the end of last year because hey, we're healthy, we eat our veggies, we probably won't even USE this insurance, so I don't need to read this document! Haaaaaahahahahaha.) Lo and behold, it turns out that although we haven't met our family deductible, we have met my son's individual $5000 deductible, and as a result, all of his medical expenses -- including his prescriptions! -- should be 100% covered for the remainder of 2022. I'm not sure I've EVER had an insurance plan that covers 100% of in-network and pharmacy expenses once the deductible is met. Talk about a healthcare unicorn! This means that: 1. we can continue to pay down the student loan in big chunks. (I want it goooooone) 2. much of the $600/month I'm putting into my HSA can be used to me
Happy spring! Here in the $76K household, April turned out to be a rather eventful month: 1. Our teenager ended up in the ICU and was diagnosed with Type 1 diabetes. File this situation under "Things We Would Have Never Predicted," especially given that he was rarely ill up until now. In fact, it had been so long since we'd seen his doctor that the man had retired in the meantime and we had no idea until the ER team asked for the name of his primary care physician. 2. As a result, we've been learning and trying new things. Since he was released from the hospital, we've been learning as much as we can about T1D and working with his doctors to get his blood sugar into a healthy range. This has involved frequent blood glucose checks (his fingers have become pin cushions, basically), insulin injections, and some dietary modifications. It's a lot of responsibility for a 15-year-old who's also in the middle of final exams, but he's handled it amazingly wel