One of the signs that you may have a debt problem is so-called "debtor's anxiety," which includes an avoidance of opening the mail, checking your bank balance, etc. It's as if ignoring the bills, statements, and bottom lines will somehow make them go away.
I used to drive an ex-boyfriend crazy with this, accumulating so many unopened items that they filled a laundry basket and then a big moving box, which I eventually just mashed shut, labeled "Box of Awfulness" and used as a bedside stand for nine months.
These types of habits die hard, and as I've tried to be more responsible in my personal and financial life (so I can like, move out of my parents' house one day), I catch myself still avoiding the things I don't want to deal with, facing envelopes with the dread of bad news I can't afford.
I have in the past opted out of my school's health insurance plan, since it is pretty expensive and the coverage has historically been spotty at best. An emergency room visit that was supposed to be covered in full resulted in a more than $16,000 bill because the CAT scan (that determined if I would need scary surgery or not) was classified as purely "diagnostic" and therefore not covered (that was a lot of fun to fight). I did the math, I looked at what my doctor actually charged, and I figured out how many times a year I'd have to get seriously sick to make it worth the cost of my school's plan. Up to this semester, I decided I could manage with massive bottles of Robitussin and compulsive use of Purell.
This year, to be allowed to research in Italy under our memorandum of understanding, I was required to have health insurance. I was annoyed as all hell because it costs almost half of my semester's stipend to pay for insurance, and I saw no need since I was flying to a country with socialized medicine and had paid for the repatriation policy that would fly my body home if I died abroad.
Three grossy sicknesses later, and I couldn't be more thankful that I was required to get this insurance! I wouldn't have been able to fly, let alone breathe or function at all, had I not been able to go to the doctor and get prescription steroids and cough suppressants in October. That alone has made having insurance worthwhile, but the peace of mind is kind of incredible too.
Then I got an envelope in the mail, followed by two or three more, from my doctor's office, the insurance company, and so on.
"Damnit," I thought, certain that this was the other shoe dropping.
I was utterly convinced that this was the billing cycle where I would learn I owed hundred of dollars to all of these doctors, that I had used all my benefits in the first visit and that my insurance didn't cover anything anywhere anyway.
I was sorely tempted to shove the envelopes into my "mail pile" which is growing an alarming resemblance to the Box of Awfulness of yore (it contains mostly student loan interest statements, which I still can't bare to look at while I'm still in school).
"No, Vic, come on," I said in one of my only inner monologue voices which doesn't sound like a Muppet, "you have to deal with this, whatever it is."
My hands were actually shaking as I opened the envelope, wondering just how astronomical a figure I would owe.
I saw it and actually gasped aloud.
That can't possibly be right, not for three illnesses. Maybe the decimal place is wrong?
$29.85
Twenty-nine dollars and eighty-five cents. $29.85!!! I have bras that cost more than that!
I kept blinking, looking at the insurance contribution (cheapskate jerks) and then my wonderful doctor's adjustments because I had insurance (who knew they did that?!) and I almost cried from gratitude and relief.
There are still so many problems with the health insurance system and the cost of basic medical care in this country, but for the moment, I am so incredibly happy to be insured.
Now if I can only find my checkbook...