We didn't qualify for the medical deduction in 2012, largely because we didn't pay all the bills! We were negotiating with our insurance for lower co-payments, negotiating with hospitals for lower costs, and waiting to see what, if anything, Medicare would do for us.
The final word is in: no decrease in the dialysis co-payments. The hospitals are re-billing many charges to both insurance companies, trying to make sure THIS time that the billing is in the correct order - first BlueCross/BlueShield, then Medicare, and hopefully most of our remaining balances will be covered. Our insurance company is negotiating with an emergency room provider group to get us a refund on an overcharge from last Father's Day. They are also working to fix a $55 co-payment overcharge from my local doctor.
We got back a sizeable tax refund. I wrote $5485 to the dialysis company, and I think there may still be a small outstanding balance. I paid the $490 for the kidney protector. I wrote out the $75 co-payments for our last dialysis visits, our transplant team visit (10 days pre-transplant) and other miscellaneous specialists. I paid for the SpeedPass bill (twenty dollars per trip x 14 trips) and updated payment to a credit card that's been picking up overflow expenses (car repairs, tires and oil changes, new toilet, things like that). I took the girls shopping for spring clothes, especially Babygirl, who had nothing that fit her at all. I caught up the outstanding dental balance and have enough to pay for Boo'sMom's college class.
We aren't behind on anything. Gas/electric/phone all current. Mortgage up to date. There is plenty of food in the cupboard and Babygirl's lunch account has plenty.
We started this adventure with a pretty solid emergency fund. There's a couple hundred left. And we are certainly going to qualify for the medical deductible this year between the mileage (23 cents a mile!), the bills, and my lower salary.
I have $33 in my checkbook until payday next week, a tank full of gas thanks to a friend's supermarket discount card, and enough cash to get us back and forth to Philly again because someone in my church handed me an envelope with $100 in it. And best of all, I have a gift certificate for a massage.
God is good, all the time.