Who has two thumbs and a shiny new hip? This gal!
I had the hip replacement one week ago. Everything went well, and I'm recovering quickly. I used a walker the day of the surgery, and I spent one night in the hospital. I used the walker for two days at home, then cast it aside in favor of a cane. I did not even peel the plastic off of the walker.
But let me back up.
A couple of days before the surgery, the hospital called to go over instructions and suchlike. The hospital rep was delightful and very pleasant. Then she said, "OK, the last thing is we need to review your out-of-pocket responsibility. There will be a hospital facility fee, which covers everything other than the surgeons and anesthesiologists. That'll be [click, click, click] $5,450." Then she said into the stunned silence, "You'll need to bring that with you when you arrive. We take major credit cards, and we can accept cash if you prefer. We can also arrange a payment plan if that is attractive to you."
Just another silly hospital error, right? $5450 will be the whole facility fee, surely, and I will owe a copay or deductible or something. I had outpatient wrist surgery in 2020, and I think I only paid about $350 for that. A call to my insurer should take of this.
The chipper insurance rep explained that hospitalizations are 80/20, and the hospital facility fee was *$88,000.* My 20% would be $16,000, plus 20% of the surgeons and PT. Fortunately for me, I have an annual out-of-pocket maximum of $6000, so I only had to pay until I reached that point.
I did some quick math and realized that it made no sense to cancel. Unless I stepped up the quality of my insurance during Open Season in December, I would face the same $6000 in 2023. And the plans that cover more cost a lot more. I've been reaping the financial benefits of a cheap plan for 9 years, so I'm still ahead. I kept the surgery date.
Anyway, I'm glad I did this. The surgeon told my husband that the joint was in much worse shape than he would have expected based on the xrays and my activity level. Every day gets better than the last, but I think it will be at least a month before I can drive or use the Peloton.
Now if you'll excuse me, I need to go take my inaugural walk around the neighborhood and deal with all of the furrowed brows and nosy questions when my friends see me walking with a cane.