We got the word yesterday that Daughter Person will be getting tubes in her ears. The estimated cost to us out of pocket (including the followup appointment) is $2600. Most of that is the hospital and anesthesiologist, not the doctor doing the surgery.
We’re still way under our deductible ($7500 for the family), so we’ll be paying all of it out of pocket (well, out of the HSA anyway). Not planned, but not a huge emergency since we have about 4k in our HSA. I would have to pull it out of investments and into the “cash” part of the HSA to use it, so I might get to play timing the market. The surgery is on July 10, I figure we have until the end of July before the paperwork even gets through to the insurance company and we see a bill, so I’m going to try to save enough and pay it out of pocket in August without decimating our mini e-fund. The doctor takes credit cards, so hopefully I can use this opportunity to earn some points and miles as well, and it lets me float the payment to the following month/cycle to give me more time to come up with the cash. I’ll post an update once we have the final value.
I am grateful that we have the money available to pay for her surgery, even if it’s not in the most ideal places to pull it from.