How Much Are You Willing to Spend?

I talk a lot about what I will spend money on and the things that I think you should use a coupon and get for FREE or next to nothing.  I share all kinds of tips of how to save, some which don’t even include coupons.  We all come to that one cross road in our life that we have to decide how much are you willing to spend on “this” item.  Depending on the item we all have different answers.

I don’t share a ton of deep personal things on here, but I am going to share this for a few reasons.  First off, I am going to be checking out for a week or so, and I don’t want you to think I have abandoned you, whoever you are.  🙂   But also I want all of us to know that when it comes to our health we can’t put a price tag on it.

Chronic Pain for 7 Years

I have had chronic back pain for nearly 7 years.  The story behind this is so long it deserves it’s own blog.  The shortened version is this; no one knew what to do with me, so after 4 physical therapists, 3 chiropractors, sports spine specialist, numerous orthopedic surgeons and the opinion of more Nero surgeons than I can even count, I had almost given up on ever being pain free again.

Finally last August in a last attempt to figure out the problem I had a doctor willing to do a discogram.  The results, 2 very bad discs that had to be removed.  The options, insurance pays for the one that will guarantee more surgery or this better option, but I would have to pay for it myself.   For the past 9 months I have turned over every rock there is to find a better solution to my problem.  I have looked at having surgery in Greece and Brazil.  I have looked at having it here in the states and I have sought 4 doctors locally and several others out of state.

Solution to Chronic Back Pain

It’s been long and weary.  I finally decided on my surgery, picked an amazing surgeon and then began the fight with my insurance.  You know me, super frugal and not willing to pay any more than I have too.  They have denied me 5 times, and I just get back up and fight some more, and I am not done yet.  The whole reason they won’t pay is…get this….because they don’t want to.   Yep, that’s it, no other reason.  The surgery I am asking for is cheaper, and has the possibility of holding off future surgeries, yet they refuse to pay for it.

I am super anxious about this surgery.  It’s very invasive and I will be in the hospital for a few days.  I planned a 3 day roller coaster vacation days before my surgery, just so I didn’t have to think about it.

The price tag on my surgery is quite large, I won’t know exact price until the bills start rolling in. (update: it was $40,000) At first I flat out refused to pay it, but my surgeon, who is awesome, said he wouldn’t do any other procedure on me.   I left him went to another doctor that said the exact same thing.  Still not thoroughly convinced I went to a 3rd doctor, who repeated the other two.  After much prayer, talking with family we all decided that this was the option that was going to give me the best chance of my active life back.  Don’t get me wrong, it’s a tough pill to swallow, but I feel as if I have no other options.

Now my question for you.  How much are you willing to spend on your health?

UPDATE :: My surgery was a year ago. I am 100% pain free playing basketball again and if you missed it, insurance did agree (after fighting for over a year) to pay for my surgery.

photography Courtesy of Erica N Photography

Linked to Frugal Friday


  1. I will be thinking of you the next few weeks and hoping for an easy and speedy recovery for you . . . and relief from your back pain.

    In the meantime, have a WONDERFUL time on your vacation! You deserve it.

  2. I hope you are feeling better and back to yourself soon.


  1. […] well kind of.  If you didn’t notice I was gone, just don’t tell me, if you did from my previous post, then you know I just had major back surgery and I am well on my way to becoming the next bionic […]

  2. […] been working on.  A “Money 4 This” if you will.  If you remember me sharing about my surgery, you will also remember me sharing how I will have to pay out of pocket for some of it.  Still I […]

  3. […] first shared with all of you that I had decided on a surgery, which insurance won’t pay […]

  4. […] For those of you that don’t know the story, I had chronic back pain for nearly 7 years.  I won’t go into details here, but if you want to read on you can HERE. […]

  5. […] though I knew insurance was going to deny it.  If you want the whole story you can read about it HERE […]