The incident of the cartwheel, the broken bottom, and health insurance

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On a lazy day at home last week, Miss Four asked me to teach her how to do a cartwheel.

I jumped at the chance to show off my mean cartwheeling skills. I used to be quite the cartwheeling queen back in the day.

I didn’t bother to limber up. There was no stretching of the hammies for me. I launched myself into the cartwheel at high speed without a second thought.

Upside down and halfway through the cartwheel, it occurred to me that this was a bad idea. A very bad idea.

Pain shot straight through the centre of my backside and I collapsed to the floor in agony. The girls stood and stared as I writhed around screaming, ‘My bottom, my bottom’.

I felt like I had split my body clean in half.

I forgot that I’m not the limber Lucy I used to be. In fact, I’m far from it. I have some serious issues going on with my tailbone, sacrum and sacral joints. And now I’ve just made it a hell of a lot worse.

My poor body never recovered from my first pregnancy. I’ve been ignoring my aches and pains for years hoping they will eventually heal. They haven’t.

About six months ago, I decided it was time to seek professional help. Since then I’ve been running from pillar to post with various physio and remedial massage experts trying to get to the bottom (pun intended) of what’s going on.

My latest physio told me she couldn’t pinpoint the root of my pain and that rehabilitation will be a long and slow process.

In tears I cancelled all future appointments. I wanted a quick fix. I wanted her to tell me you need to do this and that and you will magically be better. It felt as though I wasn’t making any progress. The only progress was my money going down the drain.

Things have improved considerably with my pelvic floor issues, but I cancelled my latest appointment with that physio too because all of these appointments were costing us a fortune.

While we had private health insurance, it didn’t cover remedial massage, osteo or physio. I was paying full fees on every visit.

I knew I should change my cover, especially after reading this article about reassessing your cover after you’ve finished having kids, but I put it in the too hard basket. Between working, kids, blogging, and everything in between, who has time to sit on the phone for four hours to sort through cover?

It wasn’t until http://www.healthinsurancecomparison.com.au contacted me to help them promote their services that I finally resolved to do something about it.

In less than 30 minutes, http://www.healthinsurancecomparison.com.au cut our health insurance bill by $86 a month.

Bam!

$86 a month.

That’s huge for our little family.

Not only are we saving $86 a month, but our health cover is now aligned with what we actually need. (I’m trying not to think about all of that money we wasted paying for cover we didn’t need or use.)

The lovely people at http://www.healthinsurancecomparison.com.au talked me through our health care needs, compared policies and came up with something affordable that meets our needs.

We aren’t planning any more babies and no longer need fertility assistance, so we reduced that side of the cover and bumped up the wellbeing extras like remedial massage, physio and osteo.

Now if I want to have an $80 session with my physio, I will only be $32 out of pocket. We will get $400 each per year to spend on remedial massage equating to about eight sessions.

The other great thing about http://www.healthinsurancecomparison is that they assist with the transfer from your existing fund if you decide to swap providers.

Reassessing and updating our health insurance was so easy and stress free, I don’t know why I haven’t done it sooner.

Now I can get serious again about repairing my body and not have the costs cripple us.

All I have to think about now is what to do with that extra $86 per month πŸ™‚

When was the last time you reassessed your health insurance?

Linking up today with EssentiallyJess for IBOT.

59 comments on The incident of the cartwheel, the broken bottom, and health insurance

  1. Lydia C. Lee
    February 24, 2015 at 6:04 am (3 years ago)

    Oh no!! When I did one for the Torschlusspanik list I was terrified I’d do something like that. Now I see my fears were well founded…get well soon!

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 5:52 am (3 years ago)

      Lol. Yes very wise, Lydia. Thanks for the well wishes πŸ™‚

      Reply
  2. JodiGibson (@JFGibsonWriter)
    February 24, 2015 at 6:05 am (3 years ago)

    We don’t have private health insurance. I recently did some figures on if we had been insured over the last ten years and it didn’t add up. We would be very much out of pocket if we had private insurance. I think it depends on situations. We are fortunate enough to have a good medicare system in this country where emergency medical treatment is covered, and we as a family choose to devote a portion of our wage to alternative health care in our budget. That works for us.

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 5:53 am (3 years ago)

      I’m glad you could find something that has worked for you, Jodi πŸ™‚

      Reply
  3. Amy @ HandbagMafia
    February 24, 2015 at 6:34 am (3 years ago)

    I had similar issues to you! I’m still working through but can I say- you need a good physio! Mine was wonderful- he did not quit until he could pinpoint the cause- which was under developed muscles on one side of my tailbone and spasms on the other. Targeted exercise and strapping made a big difference to my pain levels.

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 5:55 am (3 years ago)

      Wow! Amy that is amazing you got such a good diagnosis. Are you pain and spasm free now? I have electric shocks going down mine and occasionally lose feeling in my leg. The last person thought it may be nerve related. If only we lived in the same city and I could test out your specialist. Glad you are better now.

      Reply
  4. Aroha @ Colours of Sunset
    February 24, 2015 at 7:39 am (3 years ago)

    The only thing I really need health cover for, ironically isn’t covered! I have had major dental work, and most people I’ve spoken to, including dentists and insurance brokers, say that it is useless for major dental work. We have basic hospital, just to cover ourselves for the govt fees for not having it. We dropped everything else as we were spending more on premiums than we were saving by having health insurance! I actually have a big bee in my bonnet over health care. But I won’t go on about that here. lol. As for your bottom….OUCH! I hurt my tail bone at training last night and am dreading the length of time it will take to fix it. x

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 5:57 am (3 years ago)

      Ouch! I hope it’s nothing serious and you’re not in too much pain. Argh how annoying what you need covered isn’t. Dental work can be so expensive πŸ™ x

      Reply
  5. rachel_ourtownbrisbane
    February 24, 2015 at 8:23 am (3 years ago)

    Oh mate I’m sorry to hear about your poor broken bum!! I used to be a pretty mean cart-wheeler (and head-stander) back in the day as well but I’m sure it would kill me if I did one now. health insurance has been on my mind lately too. I know we need to upgrade certain areas of our current cover and there are other areas we just don’t use at all. I’m going to check that website out because saving $86 a month sounds pretty damn good to me (actually it sounds like a new pair of shoes every month – winning!)

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 5:58 am (3 years ago)

      Hey hey! Great idea. Yes, do check them out. It is definitely worthwhile reassessing your health care as your needs change.

      Reply
  6. Leanne @ Deep Fried Fruit
    February 24, 2015 at 9:06 am (3 years ago)

    I can’t get past your broken bum!! Cartwheels … Definitely not like riding a bike. BeIieve me, I know. Ouch.
    Leanne @ Deep Fried Fruit

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 5:58 am (3 years ago)

      Haha! Yep, I don’t know what I was thinking :/

      Reply
  7. Erika @ Ever-changing Life of a Mum
    February 24, 2015 at 9:54 am (3 years ago)

    My family has top private health insurance (hospital only) and I’m glad I didn’t change our cover before finding out I was pregnant with surprise baby #3, but once she arrives next month I definitely want to reassess things to see if there is something out there that suits us better and will save us a bit of money. Ouch a broken bottom sounds rather painful! I definitely couldn’t do a cartwheel, pregnant or not!

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 6:00 am (3 years ago)

      Ooh yes very lucky you still had cover for your surprise baby. I did worry that may happen to us, but decided it was unlikely πŸ™‚

      Reply
  8. Emily
    February 24, 2015 at 10:25 am (3 years ago)

    Oh no, you poor thing! I hope you’re feeling better! I think my biggest problem with a cartwheel would be my complete lack of upper body strength. I’d faceplant for sure, centrifugal force or not!
    I’m stuck with my health insurance because of all my pre-existing conditions. Luckily, even when things got tight financially when I was younger, mum and dad kept up our private health insurance and I never had to declare my problems to my current fund.

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 6:01 am (3 years ago)

      That’s really lucky, Em. It takes some of the worry out of it for you. xx

      Reply
  9. Natalie @ our parallel connection
    February 24, 2015 at 10:45 am (3 years ago)

    Renee if I even think about runnin. In the afternoon … I pee my pants.. Period. As for trampolines or star jumps… I think not

    Reply
  10. Tonia Zemek
    February 24, 2015 at 11:21 am (3 years ago)

    Glad to see you got to the bottom of these issues (hey, I couldn’t resist) and I’m impressed with how you jumped into that cartwheel. I wouldn’t even know where to start with that!

    Reply
  11. Josefa
    February 24, 2015 at 12:37 pm (3 years ago)

    That is a huge saving Renee! As for that cartwheel – I have thought that I am living in my twenty year old something body before and launched into doing something – only to really hurt myself. I think one time, it even was a cart wheel πŸ™

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 6:03 am (3 years ago)

      How easily we forget when we’re caught in a moment πŸ™‚ x

      Reply
  12. Bec @ The Plumbette
    February 24, 2015 at 12:52 pm (3 years ago)

    I love the title of this post but don’t like that you hurt yourself doing a cartwheel. You poor thing! As for health insurance I need to look at ours. We are paying for obstetrics and we have no need for them now we are finished having kids. $86 is a huge saving! I’m going to go check them out! X

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 6:03 am (3 years ago)

      Good on you, Bec. I hope you can get a decent saving too x

      Reply
  13. Vicki @ Knocked Up and Abroad
    February 24, 2015 at 1:17 pm (3 years ago)

    Um…. we don’t have health cover. It’s one of those things that I kinda ignore hoping like crazy none of us get injured or sick…. sounds like you’re onto a good deal but!
    I hope your body heals and behaves itself. Sounds like you’re on the right path to achieve it. I wonder if those girls know what your body has had to go through so they could exist!!! x

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 6:04 am (3 years ago)

      I know! Yep, private health cover isn’t for everyone. Fortunately we have a very good public system πŸ™‚

      Reply
  14. Dannielle
    February 24, 2015 at 1:59 pm (3 years ago)

    Great post Renee. Sorry for your sore bot bot, ouch! But fist pump from me to you for the cartwheel attempt I’ve never been able to do them, I can do a back arch though πŸ˜‰ (at least last time I checked that is).
    I did drop the obstetrics on our private health when I realised baby no 3 was it for us but I am very curious to see what your recommendation has to say about how much we are paying currently and whether we could save any?
    Thank you xx

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 6:06 am (3 years ago)

      Give them a call, Dannielle and see what they say. A back arch is very impressive. I’m tempted to give that a go. Hmm. Here we go again πŸ˜‰ xx

      Reply
  15. Kathy
    February 24, 2015 at 1:59 pm (3 years ago)

    Your poor bottom. Cartwheels are very dramatic for the body. I can still cartwheel (haven’t for a while) – it feels like you are turning your insides out I reckon. We held on to useless health cover for a long time (the old what if we fell pregnant thing). It’s great that you can package in the extras you want and still save.

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 6:07 am (3 years ago)

      Would love to see your cartwheel sometime, Kathy. Yeah I was pretty pleased with the outcome of my phone call. I walked away feeling pretty satisfied that we have everything we need now.

      Reply
  16. Michelle@myslowlivingadventure.wordpress.com
    February 24, 2015 at 2:42 pm (3 years ago)

    We reviewed our health cover recently. I met the loveliest woman in HBF who essentially spelt out exactly what I should do, and it was perfect. I had been led astray by calculations about rebates done through a HICAPS machine at the dentist, which weren’t very accurate and I ended up paying a lot as a consequence. Lesson learnt.

    I tried a cartwheel a while back and managed to pull up at the critical point. Definitely need to have limbered up and worked your way back up to it…poor you!

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 6:09 am (3 years ago)

      Lol Michelle. Glad you pulled out just in time. Doesn’t it make a difference when you find someone who takes the time to talk through your needs and work out what’s best for you. Good customer service is rare these days. I’m glad you got yours sorted out.

      Reply
  17. Toni @ Finding Myself Young
    February 24, 2015 at 6:33 pm (3 years ago)

    I used to love doing cartwheels when I was younger. When I started to read the post I was thinking yea I should try and do one to see if I still can, but after reading what happened to your bum I think I might just live in denial and assume I’m still awesome at them without trying. I had enough pelvic issues with my pregnancy I don’t want to piss off my body lol.

    Reply
    • Mummy, Wife, Me
      February 25, 2015 at 6:10 am (3 years ago)

      Do not try the cartwheel, Toni. I repeat. Do not try the cartwheel πŸ˜‰

      Reply
  18. Ingrid @ Fabulous and Fun Life
    February 24, 2015 at 8:09 pm (3 years ago)

    I used to love the feeling of freedom and flying through the air that a good cartwheel, or better still, several in succession provided. But no more! My body would also protest in injury!

    Reply
    • mummywifeme
      mummywifeme
      February 25, 2015 at 6:13 am (3 years ago)

      Yes! Exactly I used to love that feeling too, Ingrid πŸ™‚ Never again though!

      Reply
  19. Janet aka Middle Aged Mama
    February 24, 2015 at 8:45 pm (3 years ago)

    Mmmm mine is well overdue for a re-think … along with my super … hope you are fully recovered and cartwheeling again soon!

    Reply
    • mummywifeme
      mummywifeme
      February 25, 2015 at 6:13 am (3 years ago)

      Thanks Janet. Yep, check them out and see how you go.

      Reply
  20. Malinda @mybrownpaperpackages
    February 24, 2015 at 8:57 pm (3 years ago)

    Sorry but I must admit that I had a giggle at the fact that you tried to do a cartwheel. I think I’d likely end up in hospital if I tried. Hmm, must check my insurance levels before I try …

    Reply
    • mummywifeme
      mummywifeme
      February 25, 2015 at 6:16 am (3 years ago)

      That is well advised, Malinda πŸ™‚

      Reply
  21. Deb @inner compass designs
    February 24, 2015 at 10:15 pm (3 years ago)

    I admit I catrwheeled on the beach in Tasmania last year. Hard work and I think I rattled all my joints. Hope all heals fast hon xx

    Reply
    • mummywifeme
      mummywifeme
      February 25, 2015 at 6:17 am (3 years ago)

      It sure does give you a good shake up. Yikes. Thanks x

      Reply
  22. DruimΓ©@SnippetsandSpirits
    February 24, 2015 at 11:37 pm (3 years ago)

    I hear you about forgetting how you are not so limber anymore. Its hard isn’t it when we feel 16 but are much older πŸ™‚ . I hope you begin to heal. I did however have a wee laugh at your tale and I could feel your pain.

    Reply
    • mummywifeme
      mummywifeme
      February 25, 2015 at 6:18 am (3 years ago)

      Happy to entertain, Druime πŸ™‚ Yes, I very much so forgot that I’m not a spring chicken anymore.

      Reply
  23. Suz
    February 24, 2015 at 11:53 pm (3 years ago)

    Haha!! this made me laugh! Hope you’re feeling a bit better, and will be cartwheeling soon! haha!!
    Beautiful blog πŸ™‚
    Suz xo
    http://www.beauisblue.com

    Reply
    • mummywifeme
      mummywifeme
      February 25, 2015 at 6:18 am (3 years ago)

      Lol. Thank you for dropping in, Suz x

      Reply
  24. Sonia Life Love Hiccups
    February 25, 2015 at 10:53 am (3 years ago)

    I am long overdue to do a health insurance check.. like 20 years overdue. Thanks for the reminder hun.. especially after I took a spill yesterday after slipping on dog dribble. I feel some physio bills coming on. Ouch to your bum you poor thing. Now that really is a bum deal. Lol sorry. Couldnt help myself xx

    Reply
    • Mummy, Wife, Me
      February 26, 2015 at 8:22 pm (3 years ago)

      Lol! Oh you poor thing!!! Dog dribble of all things. I hope you’re not in too much pain πŸ™ x

      Reply
  25. Pinky Poinker
    February 25, 2015 at 5:52 pm (3 years ago)

    Scotto looks after ours. It’s definitely a necessity when you get to my age! I hope your bottom is better. I did a similar thing one night attempting to show Scotto some of my old ballet moves πŸ™‚

    Reply
  26. Bec
    February 26, 2015 at 6:41 am (3 years ago)

    That’s fabulous news! We had a similar experience when we reviewed our health cover and got a better deal on physio – I finally convinced my husband to get his dodgy shoulder looked at. Only took 2 visits and years of pain vanished.

    Reply
    • Mummy, Wife, Me
      February 26, 2015 at 8:23 pm (3 years ago)

      Wow!! Now that is amaaazzinngg!!!!

      Reply
  27. Hugzilla
    February 26, 2015 at 2:39 pm (3 years ago)

    God, I feel like a horrible person! You had me in fits of laughter at first, until I realised how badly you hurt yourself and now I feel like an asshole. I think we all eventually get to that age where cartwheels are off the menu!

    Reply
    • Mummy, Wife, Me
      February 26, 2015 at 8:25 pm (3 years ago)

      Lol! Don’t feel bad. I love taking the mickey out of myself πŸ™‚

      Reply
  28. Kylie Purtell - A Study in Contradictions
    February 26, 2015 at 5:44 pm (3 years ago)

    I seriously need to reassess our health cover. We used to have hospital and extras but after Punky was born we got rid of the hospital cover and stuck to the extras for two reasons. The first to save money, and the second because the only reason we’d taken the hospital cover in the first palce was so I could go private when we started having kids. We realised after Punky that we didn’t really need to go private so chucked it. But I feel like we really should have it so I’ve been thinking seriously about changing it. We’ve been with MBF(BUPA) forever, because I have technically been a member with them since birth thanks to my parents. Definitely gonna check out this comparison website too, looks like I could really use it!
    #teamIBOT

    Reply
    • Mummy, Wife, Me
      February 26, 2015 at 8:26 pm (3 years ago)

      Yep, take a look or give them a call and see what they say. It can’t hurt.

      Reply
  29. Lucy @ Bake Play Smile
    February 28, 2015 at 5:21 pm (3 years ago)

    We signed up for health insurance a few years ago (thank god!!). It’s been an absolute life saver. I’ve had so many medical expenses over the last few years and who knows that they would have been without the insurance. Great post about a really important thing Renee!!

    Reply
    • mummywifeme
      mummywifeme
      March 11, 2015 at 7:53 pm (3 years ago)

      Thanks Lucy! I’m glad you’ve got your health insurance sorted πŸ™‚

      Reply
  30. Tumble Tastics
    May 18, 2015 at 11:49 pm (2 years ago)

    My younest wants me to show her how to do a cartwheel as ‘back in the day’ I was good at them. I’m a bit too scared as I know I will most likely do some damage as well – either to my body or my pride!

    Reply

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