The hospital’s financial coordinator came in an hour later. Young guy, apologetic eyes. “Your new insurance will cover about five thousand as emergency care,” he explained. “That leaves roughly ten thousand out of pocket.”
Ten thousand dollars. I had $4,800 in savings—every penny I’d scraped together to pay down my student loans.
“Payment plans?” I asked.
“We can work something out, but we need a significant portion up front before we can schedule surgery.”
I stared at the ceiling. The fluorescent lights buzzed like they were mocking me. Ten thousand dollars. Forty-eight hours.
My mind went to the one place I’d trained it never to go: my family.
I hadn’t called home in two months—not since Dad screamed at me for missing Megan’s engagement party at some fancy resort because I had a shift I couldn’t trade. But this was life or death. Surely that changed things. Surely blood meant something when blood was literally poisoning me from the inside.
I picked up my phone and called Mom.
She picked up on the fourth ring. I could hear the whir of hair dryers in the background.
“Ashley, hold on. I’m at the salon.”
I waited. Thirty seconds. A minute.
“Okay, I’m in the waiting area. What’s wrong?”
I took a breath and explained: the accident, the infection, the surgery, the ten thousand I didn’t have, and the forty-eight hours I had to find it.
Silence on the other end. Then: “You always have something, don’t you?”
I blinked. “Excuse me?”
“Drama, Ashley. You always have drama. Your sister is getting married in two months and you’re calling me with this.”
“Mom, I could lose my leg.”
A sigh—long, theatrical. “Have you tried your insurance?”
“There’s a gap.” I explained again.
“Well, I can’t make decisions about money. You know that. Your father handles finances.”
I squeezed my eyes shut. “Can you ask him, please?”
“He’s busy today. We’re looking at boats.”
Boats. My parents were shopping for boats while I was watching infection climb my leg.
“Mom, please. I’m begging you.”
Another pause, then softer, but not kinder: “I’ll mention it to him. But Ashley, you need to learn to handle your own problems. You’re twenty-six.”
“I know how old I am.”
“Do you? Because you’re calling your mother for money like you’re still in college.”
Before I could respond, she added, “Oh, and Megan’s engagement party is in two weeks—the official one at the country club. Try to make it this time.”
The line went dead.
I sat there, phone still pressed to my ear, listening to nothing.
That night I barely slept—not because of the pain in my leg, but because of what I knew was coming next.
I had to call Dad.
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