Monday, May 13, 2013

More Than You'd Expect



I participated in a campaign on behalf of Mom Central Consulting for Aflac. I received a promotional item as a thank you for participating.


How much does an illness or injury cost you? Well, if you've never had the unfortunate experience of a serious illness or injury, then you may not realize that insurance doesn't always cover every expense that is incurred due to that injury or illness. 

So what costs could you be left with? 

Well, we've learned the hard way...several times. Let's just say my husband is a tad bit accident prone. He's broke his arm, cut open his leg, and he's had two back surgeries  He's not the only one with medical costs, though... I've had major kidney issues for the last three years and hospitalized numerous times. And of course, Luke was in the NICU for 12 days last year. All of these incidents have left surprise bills for us. 

A major cost factor is loss of work. Normal health insurance won't cover your rent or mortgage.... and how about food? I mean, you'll have to eat that month, too. There's also co-pays and travel costs. It all adds up, and you'd be amazed by how much.

The Aflac Real Cost calculator can help you see how much it could cost you.  I checked out the calculator and had it estimate how much it would cost if I were to have a heart attack. The results were astonishing.


Over $27,000!  Wow.  When I clicked "How Aflac Can Help" I saw that Aflac could possibly save me $13,000. 

The data presented in these images and the Aflac Real Cost calculator is for illustrative purposes only. The Aflac policy payout values are averages; and are not guarantees of an amount to be paid for the listed conditions. Aflac payout data shown is based on historical claims over a 10-year period, across all product plans in force at the time. The values represent the average amount of claims paid to a policyholder with the condition over the time frame (2000-2010). Aflac policies are not available in all states and may vary by state and plan level. Benefits payable are determined at time of claim.


I personally think the shot-term disability would be the biggest difference for my family. That is where we would struggle the most, and the quickest. Payment plans can usually be made with hospital bills...but mortgage bills, fuel for follow up visits, and groceries can't be put off. 

Try the Real Cost Calculator and let me know if anything surprises you!

Have you ever had a major medical issue? Did you find that there were costs involved that you didn't expect?




4 fantastic comments:

Wendy said...

Wow...this is an eye opener! I've never had unexpected costs from an illness or injury, but it could happen. My insurance will be changing soon, too, so I guess I'd better be prepared! Thanks for the important info.

Danielle @ We Have It All said...

Wow, this cost calculator is awesome, thanks for posting.

Amy said...

Wow! That's Huge in savings! Thankfully i haven't had any unexpected bills, but i do have a boy and im sure there's gonna be some in the future.

QueenB said...

its so scary how much medical procedures and treatment cost!! i'm the accident prone one in our family.

 
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