I’m mentally packing for an upcoming weekend in Florida. Carry on only, of course. The weather looks a little dicey, but I’m sure that I’ll enjoy the warm air and my rented summer-esque wardrobe, even if it rains a little.
My plan is no plan – visiting friends and walking on the beach are the only things I really hope to do for the couple of days I’m away. If you have any recommendations for places to eat or drink in the Palm Beach vicinity, let me know.
So, does jetting off to Florida for three nights and two days sound to you like the ultimate indulgence? While it’s definitely a treat to escape New York in February, there’s something else going on in my life that feels a lot more luxurious…
Yesterday, I went to see a surgeon about my torn meniscus. I drove to the appointment in my cute and reasonably safe car, leaving work early using some of my accumulated paid sick time. The doctor reviewed the MRI, for which my HMO paid a negotiated and agreed upon price of $350. Had I not been insured, the out of pocket cost would have been closer to $900.
The orthopedist and I discussed treatment options and quickly agreed that a surgical approach was my best course of action. We picked a date two weeks out, during my official (paid) winter break from school. Prior to that date I will meet with my primary care provider for medical clearance for the procedure. I expect that appointment, like the office visit Monday, will cost me $25, which I will pay from my pre-tax flex spending plan.
After surgery, there will be a follow up visit to have the sutures removed and physical therapy to help me regain strength in my knee. My insurance will pay for all of this.
During these months of discomfort and pain and missing running, my favorite physical activity, I have never once had to consider how I would pay for the necessary medical care to help me get better. There hasn’t been a single moment when I’ve been concerned about not being able to go to work and receive my salary because I did not have paid sick time available.
Now that, my friend, is genuine and real luxury.