I have been looking forward to wrapping up The King's surgery saga by sharing a few things that have been important lessons for us.
It just so happened that one of our teaching pastors at our church asked if we would share our story this past Sunday, so we've really spent a lot of time thinking about all that the past 3 months has taught us.
However.
At midnight on Saturday night/Sunday morning, The King began what can only be described as 18 hours of the worst stomach bug ever. After the first round, I thought maybe he had eaten something bad. After the 2nd round, I began to panic. After the 3rd round, I began rewriting all that we were going to share with our church.
I knew I was on my own.
And it was, like, the sermon part. I couldn't really bail on Sunday morning.
So...after a night of no sleep, I shared all that God has done for us with our church family. I'm very thankful to have had the opportunity. We feel that we need to give God the glory for every single detail that He worked out on our behalf.
Though I'm not sure why He thought I needed to go solo...
The King is feeling better. Not even kidding...he was 17 pounds lighter today. It was a little scary at first because some of his symptoms were so similar to his symptoms in Colorado, but his head never hurt, so we felt that it was ok.
We did worry just a bit that he might blow (pun intended) his little skull patch open!
I'll start with a couple of practical things that we learned.
1. Become a member of an air ambulance service
If I could make you do anything, it would be this. We used AirMed. It was seriously a flying ICU room. It is staffed with an ICU nurse and a paramedic. However, the money had to be wired before it could be scheduled.
Here's why I feel so strongly about the membership...the cost to hire them to pick us up and take us to Arkansas was over $21,000. Insurance wouldn't cover it. We are still in the appeal process, but they have at least 462 reasons why it isn't eligible.
As a "member" of AirMed, we would have paid $385. Seriously. Their program costs $385 per year for a family and covers 2 trips within that year. If you are anywhere in the world, as long as it is 150 miles from your home, they will come get you and take you to the hospital of your choice. That simple. They also coordinate the ambulance rides to and from both hospitals. If you have a minor illness or injury, they'll help you find a doctor.
I couldn't believe that I'd never heard of this type of plan.
Now you can't use that excuse.
2. Purchase short term disability insurance
Oh, hindsight. It's clear, isn't it? I always knew that short term disability insurance was an option, but never thought we'd need it. We own our own business and I just figured we'd make it work somehow. Well. Throw in a rough economy and a job with a weird pay structure and you end up where we have been...no money coming in and lots going out.
We have been ok because we've always been savers, but it is still painful to see that savings go away.
I wish that we would have really thought through what being unable to work for 2 months would mean for our family.
Don't blow it off like we did.
3. Be Organized
I mentioned that Shannon told me to get a notebook on The King's first day in the hospital. It was so helpful...especially in those first few days. I was frazzled and it totally helped to write down anything that anyone said. I still refer to it for information.
Also, be organized with your insurance papers and medical bills. I have several different folders: bills matched with insurance and nothing due; bills matched with insurance with $ due; bills without insurance; insurance without a bill; insurance appeals; bills in question.
It has been so helpful to really know where we are with each claim.
4. Negotiate with Medical Providers
We have a very high deductible for our family because we own our own business and insurance is so expensive.
We have called the business office of every medical provider that we owe and all but one have settled for less money. One even wrote off the entire bill.
The one that wouldn't negotiate was a hospital bill for $2.75 for the privilege of using the t.v. or something. We seriously had to send in a check for $2.75.
I'm not sure how much we will have saved, as we are still receiving bills, but it is already a significant amount.
5. Have a person to stand in as your brain
I never knew how important this would be for me. The first few days of our adventure, Jason was invaluable. I thought that I was listening and heard everything the doctors or nurses said (I even wrote it in the notebook!) but he was typing the information in his phone. He had every detail with him at all times. His recollection was much clearer than mine. He was also thinking more clearly than I was, so he asked better questions.
He was also the bully for me. I was tired and scared and overwhelmed and he did all the heavy lifting. He made phone calls and handled logistics and did pretty much whatever I didn't want to do.
You've got to have a person in this role who will be brutally honest. He told me when I was overreacting and he told me when my feelings were justified.
I also think that it is good if this person is not a family member. The family needs to focus on the patient. The family is usually pretty emotional. The friend can step back just a bit and see the situation from a more factual standpoint.
I would have had a difficult time asking a family member to go get me something to eat because I would have felt that they were just as needy as I was.
Jason and Lacey made it clear that their only purpose was to do whatever we needed them to do. It was very helpful and we are so appreciative.
6. Think about the stuff you don't want to think about
I was totally the person who didn't want to "go there". I didn't want to think about what if one of us got sick or hurt or worse. I totally learned that life can change in an instant. Deal with it. Think about what you'd do if you or your spouse couldn't work or couldn't drive or was hospitalized for an extended time.
You will be better prepared for an emergency and you'll appreciate life more. It's a win/win.
7. If you know someone going through a crisis: don't ask, just do
I cannot tell you how much I appreciated the people who just did. They didn't ask us to call them if we needed anything. While I totally appreciate the people that did offer assistance in that way, I don't think I ever called anyone and asked them to do something. It felt awkward. I wasn't sick and could do stuff.
The people who just saw a need and met it made our lives so much easier. I have never been that type of person. I have always been a "let me know if we can do anything" kind of girl. And I meant it. I really would have done anything. It wasn't that I didn't want to do anything...well...maybe once or twice it was that. But usually it was that I just didn't know what to do.
I will approach helping people in a much different way now.
I truly hope that you never have to go through anything like what we experienced. I know this was quite possibly the most boring post ever written, but I would feel irresponsible if I didn't share the things that I wish I'd thought of before we were in the situation.
I'm gonna write one more post on the things we learned that have caused us to look at life a little differently than we did before. I wouldn't hold your breath that it will be tomorrow. Maybe by the end of the week...?
Thanks for reading.
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