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My son’s college financial aid advisor thought our out-of-pocket expenses for my injury was important information to include on his FAFSA application, so I set out to find out how much my injury cost.

Though I am fortunate enough to have good medical insurance that covered 90 percent of my expenses, the final amount was still jaw- dropping.  My 10 percent co-share was significant to cause a major dent in our family budget.  The final tally does not include Flexible Spending Allowance (FSA) items such as bandages, cast covers and shower chairs, nor does it include mileage for the numerous doctor visits or other inconveniences such as new shoes that don’t chafe at the incision.

My case is a bit unique because I suffered a major infection and had two surgeries:

  1. Emergency Room Visit                                                1,574.34
  2. First visit to Ortho                                                            329.84
  3. Surgery (Ortho, Anesthesiologist, O/R)           10,027.66
  4. Ortho casting and office visits                                  1,940.70
  5. First round of physical therapy                                  748.70
  6. Series of blood work to determine infection          401.50
  7. Miscellaneous antibiotic prescriptions                    559.94
  8. Office visits to Infectious Disease Specialist          708.96
  9. Intravenous Cathether installed                             5,222.04
  10. IV Therapy including drugs & a home nurse   20,551.90
  11. Weekly lab work to monitor infection                      557.10
  12. ID Specialist ongoing office visits                               921.44
  13. Second opinion of another ortho                               196.85
  14. MRI of ankle and heel                                                  3,983.00
  15. Second surgery:  Debridement                             13,048.07
  16. Post-Op ortho visit                                                          233.08
  17. Final ID Specialist visit                                                   115.18
  18. Second round of physical therapy                        1,903.56

TOTAL                                                                                  $52,400.95

10 percent out of pocket                                                       $5,240.00

Being able to walk                                                                         priceless