For about eight hours today, I was having one of those days, unique to your mid-twenties, when you feel a rush of excitement that you're finally in control of your financial life, finally independent, able to fully support yourself. It feels good! It feels amazing to realize that I'm moving to New York City, and I'm paying for the whole damn thing! I can actually do this and it's weird and it's awesome.
What I've lost this past week in terms of appetite and dignity, I've certainly made up for in productivity. By noon, I had hashed out a budget with a loan counselor at school and discovered I need to borrow $10k less than I thought; finalized my move-out with my landlord; emailed 6 potential roommates; and rented a 14' U-Haul for next week's move. That shit? I was knocking it out of the park.
By the time 2:00 rolled around, I was walking into the Medical/Dental Building downtown with an extra spring in the old step, nearly no longer terrified of meeting the oral surgeon to talk about my wisdom teeth (RIP). I actually thought to myself "It feels kind of good to pay for my own dental bills."
I'll just put my pansy self right out there: the thought of having my wisdom teeth out terrifies me, for totally irrational reasons. I don't want to be put to sleep. I don't take pain medication. I have major anxiety about not having control of my faculties and having people all up in my grill freaks me out. I'm a wimp. Case closed. That's where I'm coming from.
So when this surgeon comes into the room, throws my xray up on the computer screen and starts barking to her assistant about sinus cavities and bones and nerves and "complications" and then molesting my mouth with her finger, I start to lose it.
Of course, because I'm already effing terrified, I'm told I have a "very complicated case" and she will "absolutely not do this without general anesthesia" and something about bacteria rotting my face and my lower lip tingling for life. I cry. This encourages her to go soft on her Pro-Anethesia stance and agree to do some sort of heavy sedation shit. Fine. Whatever. Get it over with. I hate you.
And then comes the bill. I had talked to friends about this and everyone said "Eh, couple hundred bucks, don't worry about it." So I was, naturally, expecting to pay $500 max. Fine. Whatever. Get it over with. I hate you. I'm handed the bill and .... $3,100. That's right, $3,100. I burst into tears.
Granted, my insurance will pay for some, but I'm still left with a big, whopping $1,700 to cover, out of pocket. Oh, the fucking irony.
So I'm trying to weigh my options at the front desk when I say something to the effect of "I just, today, signed $40k in student loans. I'm not putting this on credit. I'm moving to New York in one month, this is ridiculous." And the office manager says, apparently trying to console me (?), "Oh, where are you going to school? ... Columbia! Don't worry honey, you'll have plenty of money later." What the fuck? Who says that? I'm not going to med school, or law school, honey. I'm going into debt so that I can work at a non-profit. It's awesome and I can't wait and I wouldn't have it any other way, but don't tell me to buck up and take it, don't give me that "Oh please, stop overreacting" look, because you assume I'm going to have loads of expendable income in the future. Was I just reverse-discriminated against? It was weird.
My solution is, I'm just pulling two teeth. The easy ones. The one with a cavity and it's sister. The others can wait.
And of course, because I'm a worrier, this immediately made me think of the millions of people who don't have dental insurance. How the hell do they pay for this stuff? And of course, those who don't have insurance, probably aren't those who can suck up a $3,100 bill, and probably aren't the ones who can take a week off of work to recoup. And those health problems just get worse, and lead to other things that can't be treated. Ugh. It makes my gut hurt just thinking about it. It's all cyclical.
Though I'm finding some solace in the fact that this Tuesday I can say, it's just business. Not personal.
*I saw this poster next to Animals on 12th this morning as I was walking to work ... I thought it fitting.
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