Home > Update on DD3's Surgery

Update on DD3's Surgery

April 24th, 2009 at 02:21 am

A short time ago, I posted about DD3 needing surgery which is considered "cosmetic" by our insurance company and therefore, not covered. The estimate for the surgery $8700

Today, we got a second opinion. This second doctor recommended the same surgery that the first did. I explained to him that he was the second opinion and that the first had learned that this surgery would not be covered so I would need to pay cash. Bless this man's heart, he reduced his fee drastically and is only going to charge us $5600. That is a $3100 savings over the first estimate. When his scheduler talked with us, she was blown away by the price and explained that this was much less than the normal charge. DD3's surgery is now scheduled for June 17th. She is so excited. Her defect has meant wearing a prosthesis for the last 5 years...and she has never worn 'normal' things because of it...for the first time in her life, she will go shopping like other teens this summer!!!

Then, when I got home there was a new credit card in my mail box with a $9k limit. Unfortunately, I just paid unexpected taxes for $3000 and so we do not have a savings to fall back on for the surgery. But what are the chances of finding something like this in the mailbox on the day we learn of the surgery??

I also can borrow against my 401k @ 4.25% for the I have a couple of choices on how to pay. I just have to decide which is the best option.

I wish I could pay cash for it...but we just paid the taxes...and the savings have been depleted. But the surgery is going to happen NO MATTER WHAT WE HAVE TO DO so that DD3 can finally feel 'normal'. (There is simply no price tag on that!!)

My vacation is ONE MONTH from today!! I am getting very excited!!!

Blessing abound...what a great day!!!

8 Responses to “Update on DD3's Surgery”

  1. creditcardfree Says:

    That is excellent news!!

    If it were me, I would actually put it on a credit card in your situation. I don't like idea of borrowing from an investment! I'm sure you can get it paid off rather quickly too.

  2. miclason Says:

    I'll be praying for DD3 and a smooth, nice surgery!

  3. Blue Eyes Says:

    That's great news!

  4. Ima saver Says:

    Congratulations on the price reduction. We do not have health insurance and when doctors find that out, they usually lower the price.

  5. dmontngrey Says:

    Wow, what significant savings! Congrats! I bet all will be quite happy when this is done and over with.

  6. monkeymama Says:

    When I Was 17 I had a "cosmetic" surgery that the insurance ended up paying in the end. We were shocked! It wasn't even a "network" doctor who performed the surgery. But not only was he able to work with the insurer, and use their facilities, he was able to get paid for them too. (May parents had saved the $10k-$20k cash).

    I imagine that scenario is unlikely in this day and age. Though sometimes I don't mind the premiums we pay when I think to the nice surprise back then.

    Anyway, congrats on the price reduction, and you never know? Big Grin & your DD must be so excited.

  7. frugaltexan75 Says:

    That is exciting news! I think I probably would put it on the credit card rather than borrowing from your 401k. There are just so many things that can go wrong borrowing from it, not to mention that by taking some of it out now, you will be ensuring that your paper losses are real losses.

  8. lizajane Says:

    Wow! That's quite a savings. It's wonderful of the doctor to reduce his fees.

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