It's a pity party, and you're all invited.
When I picked up my son's medication as we got him out of the hospital, the total bill was close to $500 for a month's worth. I figured they were just having issues with insurance and I'd just need to resubmit the claim later. In any case, it wasn't something I could worry about or negotiate at that time — the treatment required keeping the level of medication in his blood stable, and we needed the pills then. Well, I finally got around to calling my insurance carrier to see what was up.
Here's what's up: that medication isn't covered. The price, unfortunately, is what it is.
A couple weeks ago, a tornado passed really close to our house. We didn't have any damage from the twister, thankfully (in fact, it did surprisingly little damage for touching down in the middle of a shopping mall, causing no injuries). However, there was golfball-sized hail. We have an insurance adjuster coming to look at our roof to inspect for hail damage on Monday. If repair work needs to be done, it's covered, just with a $1000 deductible. Which could be a lot worse, but it's an expense when I don't need any more expenses.
And, my glasses broke this morning. I got these frames that were supposed to be made of this indestructible flexible alloy, and the frames have in fact held up well. The problem is, the screw on the hinge is held in place by this flimsy piece of wire that's barely soldered on to the indestructible frame. This same hinge actually broke twice on me. The first time, it happened so quickly as to still be under warranty that I could have the frames replaced. Not so, this time.
Fortunately, my older pair is still in great shape, and my previous prescription isn't that much different, so getting a new pair is something that doesn't need to happen immediately.
And, I just got a call from my wife, who is right now taking my son (the one with the $500/month medication) to the doctor's office with sharp, stabbing pains in his stomach.