Health & Beauty

The Cost of Medical Emergencies with the Aflac Real Cost Calculator

“I participated in a campaign on behalf of Mom Central Consulting for Aflac. I received a promotional item as a thank you for participating. Find out the cost of medical emergencies with the Aflac Real Cost Calculator. Take those figures and try to plan for the unexpected.”

Health insurance is one of those things that can be a huge thorn in your side, but it is also something that you never want to be caught without. I have had some fantastic insurance policies and some terrible insurance policies. I am really looking forward to a change in my current insurance benefits come Fall, when my husband is out of school and back to work. Not looking forward to the super high premiums, but I’m excited about the coverage and different doctor possibilities. With my current insurance, my options for doctors is very limited. Luckily the coverage is pretty good, but I have been to nearly every doctor that takes my insurance, and I strike out nearly every time. Perhaps I’m a picky patient, but I don’t think that is the only problem.

In the past week, I have started getting medical bills from my recent car accident. The complicated thing about billing right now is that I am supposed to be using my medpay from my auto insurance policy, which is only $5,000. Well, the CT scans alone ate that cost up. Nevermind that the doctors and hospital still need to be paid. For the time being, I either need doctors to take me on a lien (and wait for a settlement), or I will have to pay out of pocket and get reimbursed after a settlement. Not so fun!

While the car accident was the other driver’s fault, my family is still having to cough up money for certain expenses. I cannot stress enough how wise it would be to have a security account/stash of money for emergencies such as these. There have been times in my marriage where we have been able to tuck money away for security, but things haven’t worked out that way while hubby has been in school. When it comes to any medical issues, you just never know what incidents could come up. It’s always good to be prepared for any medical emergency. 

Have you ever thought about the cost of medical emergencies, should anything ever happen? Do you know what out of pocket expenses you can expect for a trip to the hospital? It is always so overwhelming when those bills come. The doctors, labs, anesthesiologists, hospital, etc. all bill separately! Then there are other costs that we sometimes forget to consider. While recovering from my accident, I am all too aware of what being out of commission is costing me and my family. It has meant extra childcare, help with my blog (which is my business), many doctor’s visits, etc.

If these notions ever stress you out, then I’d like to point you in the direction of the Aflac Real Cost Calculator. This calculator is super cool and I have had a lot of fun with it. I like to keep putting different scenarios to the test. If you want to do an estimate of how much any medical emergency will cost you, then input your age and sex into the calculator and have at it.

Still not sure what I mean? I just input my age (29) (Female) and it estimated that the cost of a broken leg would be about $11,678. My favorite part is that there is then a breakdown of where those expenses will be: $8,000 in medical expenses, $2,258 in household expenses, and $1,420 in out-of-pocket expenses. You can then modify the severity and whatnot. Kinda crazy right? Put the calculator to the test for a variety of incidents and then work on getting your family prepared for any crisis!

Crossing fingers that nothing bad happens to any of us, but it never hurts to be prepared!

About the author

Emily Buys

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