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Paying out of pocket

What I would do if I had to choose again

Started 25 September 2024 · 23 replies · 281 hearts · read 4.8k times

NadirCasablanca, MA · 25 September 2024
1.8 years ago

Starting a thread on this because it keeps coming up in ones and twos: What I would do if I had to choose again

Money post. No apologies, this circle is for it.

What I cannot find anywhere is the criterion I am being assessed against, and I suspect that is the whole of my problem.

The total across a year is a much bigger number than the monthly one and I have only just made myself look at it properly.

I would rather hear from somebody whose appeal failed as well as from somebody whose succeeded, because I want to know what I am walking into.

Thank you for reading. I know money posts are uncomfortable and I would rather be uncomfortable than stuck.

94

ZoëHackney, UK
#1

My review appointments cost money too, and building those into the annual figure changed my sense of the total considerably.

12

GavinDundee, UK
#2

Something practical: I set up a separate account for it, which sounds excessive and means I always know where I stand.

10

PetraFacilitatorMelbourne, Australia
#3

Noticing this thread has stayed practical rather than becoming a complaint, which takes discipline when the subject is this frustrating.

22

MoBradford, UK
#4

Gently disagreeing with Zoë, or rather adding the other half of it.

What helped was somebody here being completely frank about their own numbers, which gave me permission to look properly at mine.

8me too 7

GwennoPwllheli, UK
#5

My experience is that this got easier once I had a plan for a year rather than reacting month to month.

13

SaffHastings, UK
#6

The thing I underestimated was how the cost affects the decision-making. I was reluctant to raise problems because of what a change might cost.

11

IlyaAlmaty, KZ
#7

Saff said something I want to sit with for a second.

What I got wrong was not budgeting for the first six months properly, because that period cost more than the steady state does.

15me too 2

OttoPrague, CZ
#8

Something worth knowing: prices moved over two years and I only noticed because I was tracking. Worth checking occasionally.

8

KateBelfast, NI
#9

The comparison shopping is worth doing once a year and not worth doing every month, in my experience.

17

HettieLancaster, UK
#10

I found that being honest with my partner about the number was harder than the number itself, and better once done.

9

PeronelCanterbury, UK
#11

I would have written the same thing a year ago, word for word.

12

NadirCasablanca, MA
#12

Kate, thank you for that. It gives me somewhere to start from.

My prescriber was completely unembarrassed by the money conversation, which made it much easier than I had expected.

13

ZoëHackney, UK
#13

Something practical: I worked out the annual figure rather than the monthly one, because monthly made it look manageable in a way that hid the total.

9

GavinDundee, UK
#14

My prescriber knew about an option that was cheaper and I had never asked, for a year, out of embarrassment.

16

LlianCarmarthen, UK
#15

I would say do not go without something else that matters to make this work. I did for a while and it was not a good trade.

12me too 4

MoBradford, UK
#16

What surprised me was how many people here are in the same position and how little it gets discussed anywhere else.

6

GwennoPwllheli, UK
#17

Picking up Mo’s point rather than starting a new one.

Something that helped was writing down what it buys me, in plain terms, which made the annual figure feel like a decision rather than a drain.

14

SaffHastings, UK
#18

My honest experience is that the cost has been the hardest sustained part of this, harder than any symptom.

10

IlyaAlmaty, KZ
#19

Coming back to say I have kept it going for two years, that it has been tight in places, and that the planning is what made it possible.

11

OttoPrague, CZ
#20

Agreed, and I have nothing to add to it.

13me too 6

KateBelfast, NI
#21

Nothing here sells anything and nothing here takes a commission, which is why I trust the numbers people quote in this circle.

10

PetraFacilitatorMelbourne, Australia
#22

Facilitator note: nobody in this circle is asked to justify what they can or cannot afford, and nobody is asked to explain what they spend the rest of it on.

16

PeronelCanterbury, UK
#23

The arithmetic is the arithmetic and there is no shame in it. I sat down with a calculator and a cup of tea and worked out what it actually costs me per year.

14