Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
UGH applied for Health Insurance and now an INJURY
Old 12-28-2007, 07:50 PM   #1
Recycles dryer sheets
 
Join Date: Jan 2006
Posts: 256
UGH applied for Health Insurance and now an INJURY

Hi,

DW appears (yes, self diagnosed using the good old web) to have torn a calf muscle golfing (running while golfing). POP! Ow hop R.I.C.E....

Cobra for past 12 months. Applied for HSA coverage on 12/15.

It's in underwriting with anticipated activation date of 1/1/08.

Haven't paid January COBRA cuz we have a 30 day window prior to cancellation.

Injury 12/28/08. Self diagnoses 2 -4 week recovery. Ultimate worst case 1-100 chance surgery needed...

What do ya do?

Thx

W
__________________

__________________
wallygator69 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 12-28-2007, 08:48 PM   #2
Thinks s/he gets paid by the post
RunningBum's Avatar
 
Join Date: Jun 2007
Posts: 4,555
I've had a few calf strains in my life. Hate 'em. Was the feeling kind of a combination of the sensation a rubber band snapping or popping (which is really the muscle detaching from the tendon, I think), and of being shot in the back of the leg (intense pain makes one immediately stop running)? And you can't raise yourself up on your toes.

About 6 weeks of rest has always worked for me. The muscle just needs time to reattach. I don't think a doctor will be able to do much unless for some reason it won't attach on it's own. I went the last time, because I wanted to prevent the next one. They sent me to PT because my calf muscles are very tight, and we worked on some stretching, flexibility, and strengthening exercises. So far, so good.

Just make sure it isn't a torn achilles tendon, which would need surgery. As long as its really the calf, I wouldn't worry about getting medical attention too much. The trick is to not start running again too quickly. She'll feel fine in about a week, but within 10 steps she'll put yourself right back where she was. I don't know how to tell for sure when you are ready, but I start very, very slowly and stop if I feel any pull. And have her work on calf stretching. Chances are she'll get this again if she changes nothing.

Standard caveat that I'm not a medical professional and this is based on my own experiences and reading.

A wife who runs while golfing...does she have a sister?
__________________

__________________
RunningBum is offline   Reply With Quote
Old 12-29-2007, 11:54 AM   #3
Recycles dryer sheets
 
Join Date: Jan 2006
Posts: 256
Quote:
Originally Posted by RunningBum View Post
I've had a few calf strains in my life. Hate 'em. Was the feeling kind of a combination of the sensation a rubber band snapping or popping (which is really the muscle detaching from the tendon, I think), and of being shot in the back of the leg (intense pain makes one immediately stop running)? And you can't raise yourself up on your toes.

About 6 weeks of rest has always worked for me. The muscle just needs time to reattach. I don't think a doctor will be able to do much unless for some reason it won't attach on it's own. I went the last time, because I wanted to prevent the next one. They sent me to PT because my calf muscles are very tight, and we worked on some stretching, flexibility, and strengthening exercises. So far, so good.

Just make sure it isn't a torn achilles tendon, which would need surgery. As long as its really the calf, I wouldn't worry about getting medical attention too much. The trick is to not start running again too quickly. She'll feel fine in about a week, but within 10 steps she'll put yourself right back where she was. I don't know how to tell for sure when you are ready, but I start very, very slowly and stop if I feel any pull. And have her work on calf stretching. Chances are she'll get this again if she changes nothing.

Standard caveat that I'm not a medical professional and this is based on my own experiences and reading.

A wife who runs while golfing...does she have a sister?
All the research indicates it was a minor tear of the muscle. Achilles is fine and can't feel any gaps in the muscle. It was a pop and then felt like she got stabbed in the calf. Yes, she can bend toes down with no pain but can't bring them up.

Ice did the trick on the swelling and bruising. Little bit of both but I expected much more.

RICE til Monday morning then let her try to put a little weight on it. She is a reluctant patient.

When you mentioned stretching, when do you find you can try moving the toes back and when do you try pulling on them a little bit.

Any feedback on when you started some massage techniques on it.

I read that 48-72 hours is the CRITICAL phase to get the bleeding to stop.

It's gonna be a work in progress any input would be appreciated.

Oh and yes she has 5 sister's and 8 brothers. Good Irish Catholics....Oh and Golf is her favorite past time, then fishing (pier boat beach, doesn't matter), working out at the gym and S3X fits in there somewhere. Oh and she loves watching football and drinking beers...

thx

W
__________________
wallygator69 is offline   Reply With Quote
Old 12-29-2007, 12:29 PM   #4
Thinks s/he gets paid by the post
2B's Avatar
 
Join Date: Mar 2006
Location: Houston
Posts: 4,330
My BIL tore his calf muscle recently while jogging. He was in terrible pain for several days and all the doctor really did was give him a boot cast and lots of pain meds. He seems to have gotten better but it still is tender.

He's older and fatter than me and I won't do more than light jogging. I mostly walk "briskly." I've had my knee operated on once and that's enough. The doctor that did my surgery was very athletic. He said he's had his knees scoped several times and he was under 40.
__________________
The object of life is not to be on the side of the majority, but to escape finding oneself in the ranks of the insane -- Marcus Aurelius
2B is offline   Reply With Quote
Old 12-29-2007, 01:15 PM   #5
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
haha's Avatar
 
Join Date: Apr 2003
Location: Hooverville
Posts: 22,247
Quote:
Originally Posted by wallygator69 View Post
It's gonna be a work in progress any input would be appreciated.
Don't you think that it might be safer from all points of view to let her go to a doctor?

If you are afraid of problems with your insurance application let her take $1000 in cash and tell them her name is Esmerelda Anominata.

Ha
__________________
"As a general rule, the more dangerous or inappropriate a conversation, the more interesting it is."-Scott Adams
haha is online now   Reply With Quote
Old 12-29-2007, 07:20 PM   #6
Thinks s/he gets paid by the post
RunningBum's Avatar
 
Join Date: Jun 2007
Posts: 4,555
My doc talked about massage but said it wasn't critical, at least in my case. I didn't go to the doc immediately after the injury so I can't say when it can be done.

Likewise with the stretching, she started me right away but it was at least a week after the injury.

Sorry I don't have anything specific, but I don't want to guess.

I should also add, I once stayed home for 2 days with a stomach flu, and finally went in to see the doctor, who correctly diagnosed a ruptured appendix. So take medical advice from me with a grain of salt. But I am saying that I've just rested calf strains before with no long term effect.
__________________
RunningBum is offline   Reply With Quote
Old 12-29-2007, 10:07 PM   #7
Recycles dryer sheets
 
Join Date: Jan 2006
Posts: 256
Quote:
Originally Posted by wallygator69 View Post
Oh and Golf is her favorite past time, then fishing (pier boat beach, doesn't matter), working out at the gym and S3X fits in there somewhere. Oh and she loves watching football and drinking beers...

thx

W
Sorry HA more clarification needed.

What you propose would be dishonest, she ain't gonna do it. Sold 2 houses and had to disclose everything almost to the point if I changed a lightbulb. First house we sold ended up in the 100 year flood scenario. Got a few inches of water. 10 YEARS later she still has nightmares...She apolgizes to furniture if she bumps into it and Dawg will like this. A real Bad shot on the golf course and she is known to turn into a real potti mouth exclaiming "OH YOU DO DO HEAD".

OH and as she was laying on the ground in agony (I thought it was just a Charlie Horse) I relized it was bad and jumped in the cart and stared across the fareway. DW sees me and from her back yells at me "IT'S CARTPATH ONLY STOP!"

Wouldn't trade her for the world.

thx

W
__________________

__________________
wallygator69 is offline   Reply With Quote
Reply

Tags
health insurance


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Personal Injury - What should I do? BOBOT Other topics 9 12-20-2007 11:58 AM
What to do about health insurance Jonathan Pletzke Hi, I am... 3 10-23-2007 04:51 PM
Is the 4% SWR applied to foreign countries? Leonardo FIRE and Money 6 03-10-2007 03:26 PM
health history for health insurance vic Health and Early Retirement 22 10-26-2006 09:07 AM
health insurance and effect on increased health care costs Martha Other topics 9 08-08-2006 01:54 PM

 

 
All times are GMT -6. The time now is 04:34 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.