Pelvic floor therapy and crappy health care system

Is anyone else frustrated with the health care system? I recently upgraded my health insurance to the BEST one my employer provides since I am delivering this year! I’ve started to have terrible low back pain and my OB referred me to pelvic floor therapy. I called and it turns out my health insurance doesn’t cover it at all. What I pay for it will go towards my deductible…. So it would cost me $220 a WEEK! And this is with the platinum plan! I’m just so upset that it’s looking like I won’t be getting the care that my Dr recommended to me because of crappy health care. I might try to budget going half time to the therapy to hopefully get some relief 😫

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Yep, I get you. Everything is *almost* full price for my husband and I until we hit $5,000 in one calendar year. It’s always so painful when we see a bill come in.

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I’ve been dealing with kidney stones this month and the advice nurse told me to come in to the clinic due to the pelvic pain. Turns out a “triage” visit with some lab tests was over $400. And I did that triage visit twice in December.

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Might a PT person who specializes in pelvic floor exercises be an option? Or is that the same thing as pelvic floor therapy?

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I am a nurse practitioner but found myself bitching to my husband about this same thing… it’s so wild being in the patient side of things….. especially having a middle of the year baby…. So like i pay and pay and pay in 2024 and never meet my deductible of 8000$ and now look its 2025 and i have to start from 0$ and pay and pay and pay back up again to 8000$ again before anything gets covered! It’s super frustrating.

My April baby has some health stuff going on so we have extensive appointments and scans and labs and blahblah and it’s just never ending with the bills 🥲

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i think it’s the same thing? The referral i have is for pelvic floor therapy and i called a place that does physical therapy with pelvic floor specialization

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🤯 gah I’m so sorry! Those add up!

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sounds like the same thing. So sorry it isn't covered by insurance! So frustrating

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yes this! Exactly! The reset is so frustrating! My recommendation was that i just do the PT anyways because either way by April we’ll be paying the whole deductible so might as well start now for something that will help me. I’m just so blown that so much of all this is uncovered

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Yes, our healthcare system is absolute shit. Where I live, the PT clinics that are affiliated with hospitals are exponentially more than going to a private place. I would look round your area to see if you can find a cheaper place. Since your deductible would have started over, you’ll still pay the full amount but maybe it would be less.

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that’s a good point! The place they referred me to isn’t part of the local hospital (they don’t have one) and is in fact a separate private place, but that doesn’t mean i shouldn’t still shop around! Good call

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you also don’t have to do it every week. It’s up to you how often you go. I would also talk to your pt and insurance company to see if there’s a way it could potentially get covered. If physical therapy is strictly a plan exclusion I don’t think there’s anything you can do about it.

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I did pelvic floor PT and even with partial insurance coverage it was more expensive that expected. Despite the sessions always being the same amount of time, apparently they bill more based on *specific exercises*?!? Our healthcare system is garbage.

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Family culture difference on money

Sorry this is long, I hope some of you get to the end and give advice!!!

So I’m a very thrifty person, things are tight at the moment, the cost of living crisis and my house is heated by oil so things are extortionate. We aren’t on the bread line but we aren’t flush, hubby might be made redundant so there is some financial pressure.

Sometimes I buy my sons something nicer, on the justification that I can sell it on after (♥️ vinted ♥️). I have also been planning on pretty much breaking even most of the baby things I bought from face book market place, side by crib, baby changing unit, etc.

Hubby and I have different money cultures with our families (he’s Indian, I’m British). I’m my family we don’t mix money, we would help each other out if someone was in trouble and will get each other gifts on special occasions. With hubby’s family money is much more fluid, they will give each other things worth thousands of £ just because.

Hubby’s brother bought him a new laptop and a new Google phone, he’s been very generous to hubby. Hubby hasn’t given the same back because brother is much richer.

Hubby and I mostly share finances. If it’s relevant I’m the higher earner.

Now to the point! My babies are so cute they’ve given hubby’s brother (currently single) baby rabies. He’s asked for our baby stuff when we’re done with it. He’s been so generous to hubby I feel really stingy saying no. But I’d never have bought some of the stuff if I wasn’t going to get a return on it - the thought makes me a bit anxious. If we gave all our baby stuff given the second hand value it still wouldn’t equal what the brother had given hubby.


I thought maybe I could give him some stuff but sell some stuff, but hubby said then his brother will just have to go out and buy that stuff, so I should name my price and ask his brother for the money. That makes me feel very uncomfortable, given how generous the brother has been to hubby.

So what do I do ladies? Give it all and suck it up? Give part of it and sell parts on Vinted/FB, or ask hubbys brother for money for it and be uncomfortable? Or do you see another solution?

No one is being entitled or rude here, just a culture difference I need to navigate.

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