Unpleasant financial surprises

For over a year, I have been waiting on a procedure to remove significant trunk varicose veins from my right leg. I’m generally not that vain (excuse the pun) but I found the veins so disgusting to look at that I wouldn’t wear shorts.

Given that I now live in a location where it is warm almost year around, having to wear long pants continuously outside the house is not particularly practical and is often unpleasant. Anyway, a year ago I committed to a procedure to have the veins rectified.

I had to wait a year as I had joined a health fund and as the veins were a pre-existing issue, I had to wait 12 months before I could claim costs. I was aware that even though I had the health care fund, I was still be obligated to $500.00 for my hospital stay. I thought that, in addition to the health fund costs for the year was more than reasonable to have my veins repaired.

Imagine my surprise when I week prior to the operation, I receive a letter from my vascular surgeon informing me that I would have to pay an additional $1500.00 excess prior to the operation.

Mentally, I was fully committed to the operation and had already organised leave from work to recover from the operation. I thought lumping me with a $1500 bill only days before the operation was quite unreasonable but I went ahead and paid it rather than put off my operation further.

Surprise again though the very next day when I receive an email from an anesthesiologist advising I would have to pay an excess of $900 prior to the operation. Again, as I was all but packing my overnight bag, I paid the bill without complaint though the cost of the procedure was really starting to add up and started to wonder who else might put a hand out for money.

Later that day, I was riding my motorbike to work while contemplating how the unexpected operation costs would affect my savings strategy. Well, the 3rd surprise of the week occurred when the bike all of a sudden just stopped. By good fortune (the only good fortune of the week), I broke down within rolling distance of a motorcycle mechanic.

$300 later, the problem was found to be a relatively easy electrical fix but still took a long time to investigate and therefore was quite costly. Add that to über costs to get me to and from work and I was out another $100.00.

Ok, so I took a few steps back towards my early retirement plan last week. I could sit down and sulk or just keep moving forward, which I will.

On a positive note, the operation was a success. The hospital stay was pleasant and the nurses were lovely. Even the breakfast was yummy and I was discharged very quickly.

When fully healed, I will post some photos of varicose vein operation outcome.

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