Hi,

My checking account is overdrawn and I have an appointment in the afternoon with tdoc on Monday, March 5 at which time I would usually give her a check.
I get paid Friday, March 9. Insurance does not cover therapy with her.


I need to call and leave a message that I need to cancel on Monday. She hates last minute cancelations. On the other hand, I feel uncomfortable asking her to let me send her a check for a week later. I definitely cannot ask if I can give her a check that is post dated Friday, March 9. Asking that makes me uncomfortable.

I have been seeing her about once a month or two since 2005.

Hubby and I keep very separate checking accounts -- it is rather complicated to explain and complicated enough for me to follow.
There is absolutely no way I can tell hubby that I am overdrawn.

What should I tell tdoc when I call and leave a message with office machine on Sunday? I figure that I have to call her by 1:00 pm Sunday.

Mari

I would call the answering service and ask to leave her a message that you need to cancel the appointment or maybe have a phone appointment and then you could send her a check?
Is that a possibility?
bizi

Yes.
Thank you.
I could say something like this:
"Hi, I need to cancel the appointment because I do not get paid until Friday. I would like to have a phone appointment sometime after Friday when I get paid."

You made me realize that I could ask to change the appointment to Friday. That will make sense to both her and me. On Friday, I will have a good check to hand to her.

M

can you just tell her the truth? maybe she will call back and say you can pay her later and that she understands since you don't use insurance. i am sorry you have to go through this on top of everything else.
bobby

I think you can ask for a later appointment. But its possible the
one on Monday is the only one she has.

And would suggest, that since you have been a good client with
her. That you just mail her a check later.

Donna

I have an idea, if you told the doctor the truth, she would let you pay later. If you have been seeing this person for a few years, I think if it were me, even if it is over voice mail, I would tell the circumstances, let that prefessional have the option of seeing you or not. Some professionals will have mercy on you when you are financially strapped. This is what I have done with one of my doctors, and he saw me anyway. ginnie

Hi, Everyone,

Thanks for helping. This is basically what I said when I called:



I expect that she might want me to keep the Monday appointment and send her a check after Friday.
I just did not want to ask for that.

Mari

I know what it is like to be broke, and need help at the same time. I wish you all the best. I think what you did was the best you could do. I am thinking about you. ginnie

Dear Ginnie,

I am sorry that I gave you the impression that I am broke. I mis-managed my account. My husband has enough money for my appointment tomorrow but I cannot ask him.
He has undiagnosed OCD personality disorder. He will not go to a dr to treat it. He has a great deal of anxiety about money and other things. It is best that I not mention to him that I screwed up my bank account. He'll find out later when he reads the mail.
Mail is different from talking about it.


M

Hi,

Tdoc called and left a message when I was taking a nap. She wants me to come to my appointment on Monday / tomorrow. I can mail her a check when I have the money.



Thank goodness that is over with. I created extra drama in my life by paying one of my bills twice this month. I might consider doing my bills differently. I will see if pdoc can help. Or I could ask my sister. She is super organized about her banking.

M