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Those were the words around our house a couple of weeks ago.  It wasn't me that was suck, and luckily those afflictions weren't all for one person.  They were split between two people, but unfortunately they were our kids.

Both kids got sick around the same time.  What first appeared to be the standard cold that kids pick up after play dates grew into more persistent symptoms.  Neither was sleeping good, be it for nighttime sleep or for naps, and the congestion wasn't going away.  After the fourth day, my wife decided to take the kids to the doctor.

Little Boy Beagle had bronchitis (with a touch of pneumonia) in one lung, and Baby Girl Beagle had a double ear infection.

We go to a great pediatrician and they set them both on the recovery rather quickly.  Within days, both kids were feeling better, and I'd say that the worse has passed (with the exception being that I fear that my daughter could be prone to ear infections…just like I was as a kid).

So, now that everything has passed, I thought I'd take a look at what these illnesses cost us.

Baby Girl Beagle's Double Ear Infection

Hers was a quick fix.  She was put on an oral antibiotic, which she received twice a day for a week or so.  When my wife took Little Boy Beagle in for his follow-up visit (see below), they checked her at no charge to ensure that the infection had cleared.  We knew it had as she started sleeping better again.

  • Co-pay for doctor visit: $20
  • Prescription co-pay for antibiotic: $4

Total Cost: $24

Little Boy Beagle's Bronchitis

He was diagnosed at the doctor office, but they wanted bloodwork and a chest x-ray to confirm the diagnosis and understand the severity.  They sent us a couple doors down to a radiologist office, who took the x-ray and confirmed the bronchitis.  He was put on a stronger antibiotic.  Because his illness was more severe, they wanted him in for a follow-up visit.  When he came in, they felt it hadn't cleared, so they put him on breathing treatments with a nebulizer to send medicine directly into the lungs.  A second follow-up was required to verify that the treatments worked, and at that point he was given the all clear.

  • Co-pay for Doctor Visit: $20
  • Bloodwork: $10.93
  • Chest X-Ray Technican: $12.86
  • Chest X-Ray Reading: $25.49
  • Prescription co-pay for antibiotic: $10
  • Co-pay for first follow-up visit: $20
  • Charge for in-office breathing treatment: $22.91
  • Charge for rental of nebulizer: $0
  • Co-pay for second follow-up visit: $20

Total Cost: $142.19

We use a Flexible Spending account and put money aside expecting that we will have a certain cost throughout the year for illnesses, so all of the charges were put on the FSA card and we still have plenty of medical spending money available for our routine needs throughout the year.

It was awful seeing both kids sick, something no parent ever wants to see, but having good insurance and having the Flexible Spending account ready to go made the cost a secondary concern.

And, it was well worth any cost to see them both back to their old selves!

Do you track the out-of-pocket costs of illnesses?  Did you or your kids get sick over the winter months?

On a side note I recently saved some money on car insurance and have started creating a list to share that I will continue to expand to help some of our visitors save also.