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Blatherings
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| *headdesk*
Over the past few weeks, we've received statements from the insurance company listing all of the charges for my foot surgery. I paid the remaining of my yearly $1500 deductible (which was $837.87) to the hospital at pre-registration, and after that the rest of it should be 100% covered.
As an aside, this is "good" insurance, because on the insurance we had before leaving Nevada, we had deductibles all over the place plus they only did 80% after the deductibles. The surgery was about $45,000ish, so we would have had to pay about $9000 plus deductibles under that plan. (Of course, Corran pays wayyyy more on premiums for this insurance, so it might be that amount anyway...)
Anyway, we thought everything was okay with this. Well, sort of. There's the lingering doubt about the fancy ultrasound bone healing machine...I was very clear with the doctor that I would not pay for it if insurance didn't cover it, and he at first said it probably wouldn't be covered but wanted me to schedule an appointment when the rep from the company that makes the devices would be there. At that appointment, suddenly the doc seem overly confident that it would be covered, and when I expressed suspicion, the rep said they would bill insurance but that if insurance denied it, they wouldn't charge me. I thought that was weird but remember, I was on a LOT of hardcore pain meds. Later, when we got the statement from insurance denying it (which was the first time we saw the cost: $4500), I got worried that the form they had me sign saying I was accepting the device may have had a "you'd better pay" clause. I was VERY CLEAR to the doctor and the rep that I was not capable of reading due to the drugs and the rep said it only said that I was accepting the machine and that they could bill insurance. But now I'm nervous...and for $4500, if they try to bill me, it's SOOOO going to a lawyer.
Our theory is that the doctor and rep may have worked out some kind of deal because I think the doctor wants to be the Austin distributor for the product and as a 36 year old with this kind of surgery, I'm probably awesome material for proving that it works (as opposed to the senior citizens he usually sees). But that's just a theory.
Anyway.
We thought at least the payment for the surgery stuff was taken care of.
Oh...except for the part where the deductible hadn't cleared when I was in the medical supply store getting the rented wheelchair. They took our word for it and didn't make us pay right then. But we've received a statement from insurance saying that they're covering part of it but waiting for a response to a letter sent to the store before covering the rest...erm...
Anyway.
Like I said, the surgery was fine. There should be no bills for the actual surgical procedures.
Um...you know where this is going, right?
THE FRAKKIN' PODIATRIST'S OFFICE WANTS $837.87.
Look up in the post. That number should seem familiar.
*sigh*
Corran and I just went through the stack of insurance statements and credit card statements and doctor bills, and our theory is that both my doctor and his clinic partner each charged for one part of the procedure. I have never met his partner. If he was present during the surgery, I didn't know about it. So our theory is that the office staff - who have been grossly incompetent on multiple occasions, messing up appointment times, failing to put my folder on the right person's desk for insurance processing while I waited six weeks to hear about coverage (at least that lady apologized and admitted the error), and tons of failures to call back on messages - have somehow managed to charge this aspect of the surgery under each doctor's name. So the insurance paid it once and has the others listed as duplicates. Somehow out of all that we're guessing that they think we have to pay THEM the remainder of the deductible that I can prove I already paid to the hospital.
GAHHHHHHHHHHHH.
Now, chances are, this will get settled by arguing and phoning and maybe Corran doing some foot-stomping when we go to their office on Wednesday for an appointment. But again, the STRESS of this crap is driving me crazy. We shouldn't have to spend hours on the phone arguing about someone else's mistakes.
And speaking of mistakes, I've just heard back from the Texas Department of Insurance about a grievance I filed with them regarding River Ranch Radiology, the people who did my MRI back in January. See, River Ranch Radiology said my portion of the procedure, towards deductible, would be $474.15. The receptionist said insurance might actually pay more of that, so she encouraged me to pay half that day and they'd bill the rest. So I did. Then we got a bill that was $188 higher than the $474.15 quoted. They wanted the other half PLUS an additional $188. In April, I spent hours on the phone with River Ranch Radiology and all of the insurance players, and everyone pointed the finger at someone else. The Texas Department of Insurance has now told me that indeed, River Ranch Radiology quoted me the wrong amount, and sorry, the government entity cannot compel anyone to fix the problem. So I had to pay the extra $188. Needless to say, I'm advocating that everyone avoid River Ranch Radiology like the plague, because you can't trust their quotes. They just go ahead and charge more after the fact and the patient is hosed. Nice.
Seriously, this is the real hell of US health "care". It's mistake after mistake after mistake and even if you can make the mistake go away, you have to spend tons of energy and time and stress doing so. And even when you're right and they're wrong, there's apparently no recourse. It's not worth going to a lawyer at $250 an hour for a $188 charge.
There's no incentive for providers and insurers to not make mistakes. In fact, under the current system, it's in their interest to make mistakes because most people can't/won't fight back. Most people will sigh and pay the bill. The small number who do fight can be defeated a lot of the time, and if not, well, it's still overall lucrative for them to make these mistakes.
Now, someone PLEASE dare to tell me again about the hazards of government bureaucracy in a universal, single-payer, government health care system. Oh please do. Because I sure as hell never had billing nightmares like these in Canada with all of those ooo-scary commie bureaucrats. All those talking heads saying that this administration is going to put a government official between me and my doctor? Hell yes! Please do! Bring it on! Someone ought to be able to enforce some rules for once! Sheesh!
PS The other podiatrist I saw as a second-opinion has also sent me a bill for that appointment. It doesn't look like they even properly tried to bill insurance and I don't recall seeing an insurance statement from them. So I'll have to call and yell and straighten that out too. Oh joy. | comments: 3 comments or Leave a comment  |
| Gender, as summarized by a three and a half year old:
Peo: "When I'm a lady, then I'll get my hair cut and I'll be a boy."
Me: "But if you're a boy, you wouldn't also be a lady. Ladies are kinds of girls, boys turn into men."
Peo: "So when I turn into a lady, I'll cut my hair and pretend to be a boy."
Me: "Do you wish you were a boy?"
Peo: "Yeah."
Me: "Why?"
Peo: "Because then I could have short hair."
To be clear, we've told her she can get her hair cut, that both girls and boys have both long and short hair, and Corran has long hair, and we've never told her that being a boy or girl is better than the other, and we've even avoided language pertaining to permanency of gender. We're about as hippie-liberal-liberated-inclusive as the English language allows, but society has still gotten the message through to her that girls have long hair and boys have short hair.
Really, there's no way for a parent to shield a child from negative societal norms. And if we, as such gender-liberals, can't combat it on that front, I can't imagine how we could have any hope against racial issues, where we try not to be racist but in all honesty are as bound by our white privilege as anyone else. There's no way any individual family can eliminate bigotry on their own. Nor will muppets all colours of the rainbow help. The best we can hope for is for enough of us to give it our best that maybe, over a few more generations, it might fade to a less permeating level. | comments: 7 comments or Leave a comment  |
| Oh yeah...just remembered during rambly post to nightxade in which I said it was a lame thank you that I now am officially entitled to use the word lame any way I want, right?
Nobody gets to tell me off because I am literally lame!
Hah!
And in keeping with the argument I've been making all along with such words, even though I am literally lame and my friends all know it, I bet if I said I or something I did was lame - as in the post to nightxade - nobody would consider me to be referencing my bad foot at all but would understand it as intended, in the modern colloquilar meaning of something that is foolish or lacking.
See? Just because a word could be linked to a rude meaning against certain conditions doesn't mean the user has ill intent against persons with those conditions. If I hear someone saying something is lame, I do not think they mean to say that people with walking problems are less than human or in any way bad. Now if someone pointed at my foot and said, "ha ha you are lame!" then it'd obviously be meant as an insult mocking my condition...albeit a pretty lame one.
Same goes for other similar words used to describe things negatively but aren't usually meaning to invoke disability or conditions beyond the context of discussion. Stupid, dumb, lame, retarded, idiotic, etc are generally used to indicate that the object of discussion is not good in some way, but unless someone makes a direct link to the condition related to the word, accusing them of bigotry against those with the condition is ridiculous. Let's save our outrage for the actual bigots, mmkay?
Now all of this lame posting on this lame iPod keyboard with lame inability to cut and paste has worn me out so back to limp-body podcast listening I go... | comments: 6 comments or Leave a comment  |
| Obama cracks down on overseas tax loopholes
The president said he wants to prevent U.S. companies from deferring tax payments by keeping profits in foreign countries rather than recording them at home and called for more transparency in bank accounts that Americans hold in notorious tax havens like the Cayman Islands.
"If financial institutions won't cooperate with us, we will assume that they are sheltering money in tax havens and act accordingly," Obama said.
Whoa. Ballsy. Impressive. I doubt Congress will allow it but man, it'd be nice if the fat cats were made to pay their fair share. Booyeah! | comments: Leave a comment  |
| I keep getting emails from various GLBT lists asking me to do all kinds of stunts to spread the gay rights messages to people who are not yet on board with the idea.
The problem is, everyone I know well enough with whom I could discuss such things already is on board with gay rights. I may have had time and energy in my youth to hang out with all kinds of bigots just enough to try to educate them (and I did educate and turn around a few), but these days, I just don't. If I find out someone hates anyone else solely on the basis of race, ethnicity, country of origin, sexuality, religion, or any of the other obviously stupid things to judge someone on, I pretty much just exclude that person from my life.
Plus, I live in Austin now, a town that's known as a little blue dot in a big red sea (with all this talk of Texas seceding, jokes abound about airlifting Austin out first). The people I randomly encounter tend to be pretty polarized, either pretty deeply liberal on everything or hardcore conservative, and the latter frequently don't want anything to do with me since I wear my liberalisms on my sleeve. Or chest...I have a lot of t-shirts that make it pretty obvious that, at the very least, I'm one of those pinko Canadian socialist types.
So again, who am I going to have cause to talk to about gay rights? I'm all for protests and we've done those, but in my social circles, gay rights is a "yeah, duh, of course they should have them" issue. There's little awareness left to be raised amongst my friends.
I mean, really...is anyone reading this actually still pig-headed enough to believe that gay couples shouldn't be allowed to marry and to parent? I absolutely know that such idiocy still exists, but I'd be surprised if it's on the part of anyone who gives a crap about what I have to say about it or anything else. | comments: 2 comments or Leave a comment  |
| | Tags: | art, baby supplies, consumer, crafts, entertainment, environment, food, insanity, parenting, politics, religion, science | | Time: | 02:39 am |
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| Infodump time!
Gacked from nightxade: My Little Darth Vader and the other pony toys bizarrely transformed by movie fan - These are AWESOME, and be sure to check out the artist's gallery too.
Of 'Greenwash' and Image Management - interesting article about varying levels of truth in eco-marketing.
Rocket Fuel Ingredient Found in Powder - as in, infant formula powder. Yum. This is so wrong.
A few weeks ago I was listening to a science podcast and they were talking about how anti-evolutionists like to name ten or a dozen scientists who don't believe in evolution, citing that as reason enough to doubt the theory. Well, the science community's response is to be able to list 1000 scientists that do believe in evolution...all of whom are named Steve (or some variant thereof, including feminine and non-Anglo). I laughed out loud when I heard that! See Project Steve for more info.
PBX Hell: 50-Plus Hacks and Tips to Get to a Real Person at Any Corporation in 10 Seconds or Less - Some are more potentially useful than others, but a good list if you hate waiting on hold.
A FLEET of UFOs in formation has been photographed - on Google. - Hahahaha, it's a tabloid, don't get too excited. It alleges that Google's street view in London shows some UFOs. Well, really, after the Daleks and then the Cybermen and then the Daleks vs Cybermen and all of the other alien-trashing of London that I've seen on that documentary about that time-travelling fellow, I suppose some flying saucers is probably just routine to Londoners now, eh?
Here's something potentially useful to other cooks out there: What To Do With Egg Whites Left Over Egg Yolks In each case, what can be done in terms of storage and recipes with the leftover portions of egg after you've used the other bit. I actually find that I avoid recipes that want me to use only part of an egg unless the other part comes in later, but now that I know I can freeze them...hmm... | comments: 3 comments or Leave a comment  |
| I just spent a good hour pulling together medical bills/receipts from last year for tax purposes. There's well over $2500 in my copays/deductibles/non-covereds alone. Plus there's the money we paid for COBRA when the company Corran worked for went out of business, plus there'll be a small amount for Corran and Peo that I don't have receipts handy for.
We spent several thousand dollars on health care in 2008, and that's with insurance, and not including what Corran's various workplaces have taken out of his pay for premiums.
This leads me to three thoughts today:
1) I don't even know how the poor live with this system. But then, they probably just don't live a lot of the time.
2) There's all of this urging for us to get out and spend money to stimulate the economy. Well, there's a few thousand that could have been spent on other things if we weren't constantly paying and paying and paying for health care, even as insured patients.
3) The proposed Obama plan of providing a government-backed insurance option would almost certainly not help with any of these costs unless it's insanely comprehensive and fair, which it will never be because other insurance companies will make sure that never happens. Otherwise they'd be forced to stop screwing around and nickle-diming us to death, and they wouldn't like that. | comments: 4 comments or Leave a comment  |
| I got the DVDs for Mike Moore's old show "The Awful Truth" out from the library and started watching them tonight. By coincidence, it's almost exactly 10 years since they first aired (they started on April 11 1999, according to imdb).
In the first two episodes, his two big stunts were:
1) Taking on a big insurance company (Humana) for denying coverage for something that would save a man's life.
2) Taking on Fred Phelps and promoting gay rights.
It's been ten years. Ten fucking years. I'm glad so much has changed...
*headdesk*
In other video news, I finally got around to seeing "The Dark Knight", again, from the library. It was okay, but nothing special. Ledger as the Joker makes the movie, and whomever decided to do the wacky makeup was bloody brilliant because it takes away the cartoon aspect and makes it suitably insane. However, I remember a bunch of press at the time of the film's release going on and on about how dark the film was, ooo maybe too dark, etc. Um...that was hype, right? Because there wasn't anything particularly dark or creepy about movie. I mean, David Lynch has probably filmed pony rides darker than "The Dark Knight". Sheesh. | comments: 4 comments or Leave a comment  |
| Infodump time....my browser was getting too crowded and slow. No particular order because I'm swamped and tired.
How To Not Get Sued For What You Said On Yelp - tips on how to word reviews that you post publicly to make sure you don't get sued. This would go for your own blog as well, if the post(s) are open.
How Unscrupulous Food Manufacturers Manipulate Lab Tests - Mmmm. Yum.
Four Reasons Not To Book Your Hotel Room Through A Third-Party Site
1 family gets 445 credit card offers in a year - That sounds about right for our Vegas address. They haven't all caught up with us here yet, or else the credit crisis has made the numbers drop off.
Bank Of America Blames You And Your Dead Mother For Financial Crisis - Mostly posting this as a warning: don't let banks or other creditors intimidate you into paying the debts of deceased loved ones. If you're unsure of your rights, check with a lawyer or government body first.
The New Healthcare Crisis: When Having Health Insurance Isn't Enough - More examples of undercoverage and some tips on what to do about it.
I LEGO N.Y. - Very amusing little interpretations of New York in Lego. Also check out some of the other entries linked in the sidebar on the right.
Cash4Gold Will Offer One-Third of the Actual Value for your Gold - Just in case anyone reading is actually naive enough to buy into such an obvious scam, read this. And the update. Sheesh.
Is This The World's Best Airline Complaint Letter? - Definitely worth the read. Less articulate but equally amusing is this one.
Check this out...Costco now sells cloth diaper bundles! Not the kind we use, but this does mean that cloth diapering must have hit some level of mainstream usage high enough to entice Costco into supplying them. Very interesting! (Note: I have no idea if this is actually a good deal on the diapers or not since we don't use these kinds. I'm not necessarily recommending it as a good deal, although it might be, I'm just saying it's interesting that they're sold there at all.)
26 Cakes Perfect for Geeks - From giantbedsprings, a list of some very awesome geeky cakes.
Paper or Plastic? Binary Man Has the Answer, Sort Of. - Some of the deeper issues with the choice between paper and plastic bags; a good illustration of why so many eco-issues are complicated and shouldn't be taken lightly by those who have a marketing agenda. And we were definitely re-using plastic bags for garbage disposal until we made the switch to bringing our own cloth, so now we have to buy new plastic (the recycled ones are just far, far, far too expensive to justify the difference)...which is more wasteful? I'm not sure. But I do hate having to use larger bags because the garbage sits in the kitchen longer, getting smellier, and even when we get composting, it won't help because the biggest stink comes from cut off bits of fat and disposed chicken bones.
Rhodes Scholar's 'Goofy' Ideas Slashed Energy Costs at College House in Half - I especially like the bit about being eco-friendly instead of eco-fascist.
Reclining Produce | comments: 5 comments or Leave a comment  |
| Infodump time!
Drinking coffee reduces risk of Alzheimer's: study - I guess I'm dementia-bound, since I don't drink coffee! And Corran has another enabling excuse. :)
Smoking when pregnant affects thyroid for mother and baby - At first I thought, "Is anyone stupid enough to smoke while pregnant these days?" and then I realized, "Duh, yeah, probably more than I want to think about." Plus presumably second-hand smoke can harm in the same way, although the article doesn't address second-hand smoke.
Study: Racist Attitudes Are Still Ingrained - I found this very interesting and somewhat distressing (although not surprising that racism exists in Canada, which too many Canadians would rather pretend isn't true). I do believe that if I was in the test situation, the first statement would get an eyeroll from me, maybe even a response of, "Um, okay..." The use of the n-word would illicit a response from me. I have had situations like that happen in recent years and have responded. I'd like to say my responses have been articulate and corrective, but to be honest, they've been more babbling and incoherent indications of offense. I'd like to think that I wouldn't hire anyone who said either statement, but I haven't hired anyone so I can't prove that I wouldn't do just what the test subjects did. Although really, the n-word grosses me out so much that I'm not sure I could stand being around someone who said it.
I do admit to being racist: whenever around a black person (and this doesn't come up for other races), I am paranoid about being perceived as being racist. I go out of my way to be extra-polite to black people and am less likely to react negatively should a black person do something I don't like, because I fear being called a racist, because it's happened to me (I was once called a racist for shushing people in the university library who were being REALLY loud, and I didn't even know they were black because I couldn't see them over the study cubicle, but they came over and told me I was racist, and I've had a few other experiences like that). Since I'm then judging all black people as being hair-trigger on such issues, I am racist.
ExecutiveBomb Makes Finding Executive Contact Info Easy - For when you want to contact executives of companies. That's the Consumerist article, here's the direct link: http://executivebomb.com/
How the city hurts your brain...And what you can do about it - Sent from kbpenguin. I'm not surprised that even a glimpse of nature can have so profound effects, because I've noticed it myself during my experiences working in different offices. It's part of why we chose this house in Austin, surrounded by big old trees on all sides, in a neighbourhood full of similar trees. After living in the desert so long, even Texas' slightly dried out landscapes seem like heaven to us. I don't think I could ever go back to desert living again...joshua trees and palms are nifty but don't cut it for me as plant life, and everything else takes too much watering. I didn't realize how much brown landscapes had gotten me down until we went to NZ with Peo, and flying over that greeeeeeeeeeeeen made me ache in my chest and want to weep for the LIFE of it. Having driven through some seriously concreted urban areas in the past, I can't imagine how sad life would be looking at natureless vistas all day, every day.
"Free Paper" by Annette Lawrence Opens - an interesting art exhibit made from one woman's collection of just over a year's worth of junk mail. | comments: 7 comments or Leave a comment  |
| Gacked from noiseinmyhead:
Sharpton: Church uses money and power to persecute gays but ignores poverty
Probably the BEST speech of outrage I've read/heard yet about the Prop 8 thing, because it really hits at the heart of the matter:
"This is an issue of human rights," he said. "And I think it is dangerous to give states the right to deal with human rights questions. That's how we ended up with slavery and segregation going forward a long time...Whatever my personal feelings may be about gay and lesbian marriages, unless you are prepared to say gays and lesbians are not human beings, they should have the same constitutional right of any other human being."
This whole section was entirely awesome:
"It amazes me," he said, "when I looked at California and saw churches that had nothing to say about police brutality, nothing to say when a young black boy was shot while he was wearing police handcuffs, nothing to say when they overturned affirmative action, nothing to say when people were being [relegated] into poverty, yet they were organizing and mobilizing to stop consenting adults from choosing their life partners."
"I am tired," he went on, "of seeing ministers who will preach homophobia by day, and then after they're preaching, when the lights are off they go cruising for trade...We know you're not preaching the Bible, because if you were preaching the Bible we would have heard from you. We would have heard from you when people were starving in California--when they deregulated the economy and crashed Wall Street you had nothing to say. When [accused Ponzi scammer] Madoff made off with the money, you had nothing to say. When Bush took us to war chasing weapons of mass destruction that weren't there you had nothing to say.
"But all of a sudden, when Proposition 8 came out, you had so much to say, but since you stepped in the rain, we're going to step in the rain with you."
YEAH! | comments: Leave a comment  |
| HAH!
HA HA HA HA HAAAAAAAAAAH!
All of those anti-choice types who, for all of these years, have championed "states' rights" as a means to reducing reproductive options across the country can now bite Nevada's ass!
22-Year-Old Sells Virginity Online -- and Feds Can't Do a Thing to Stop Her
I just LOVE how this dipshit is arguing that Nevada's immorality might spread, so yeah, um, in this case they'd like the feds to step in, thanksmuchly. But when Roe v Wade is applied against states, then ooooooooo, that's so unfair to each state's rights to govern itself, ooooooo...
HAH HAH, EAT IT, ASSHATS!
PS Not that I'm a huge fan of the actual transaction or anything, but my sexual choices shouldn't have any bearing on what other consenting adults do, so goodie for them, hope they enjoy themselves!
PPS I wonder how it affects things if a woman is the highest bidder? If that's even allowed by her auction, not that I care to go look...but it brings up the interesting question of how one defines "virginity", because if two women have sex but don't do anything resembling penis penetration, is virginity gone or not? Or do we all have different gender-values of virginity? And how many conservative heads explode at these very questions, bwhahahaha? >:D | comments: Leave a comment  |
| I need to clear out some tabs that have been piling up...infodump time!
Pre-Paid Cellphones Aren't Just For Losers Anymore! - Links to some good Consumer Reports reviews/information about the budgetary sense of going pre-paid for low-minute users. We've only ever had pre-paid ourselves for this very reason. Our original T-Mobile phone, purchased the week Peo was born, is still working and only costs us $25 a YEAR to keep active, and unused minutes keep rolling over. We only use it for emergencies and the occasional call-from-the-store-to-check-with-the-person-at-home type calls, so we've never had to add extra minutes. This would clearly not suit heavy cell phone users, but it suits us just fine (we prefer the much more frugal email for most information exchange, and the much more frugal landline for when we need to actually make calls, plus the landline's rate to Australia - our only usualy long distance - is considerably better than anyone on cell or digital is offering).
When I see people in line at the grocery store or failing to watch their kids at the playground while talking endlessly on their cell phones whining about how hard it is to save money, I must suppress my urge to laugh and laugh and laugh...
Cheat Sheet for Sketchy Food Expiration 'Codes' - for checking coded expiry dates on food. Potentially highly useful.
And for the record, you DO need to check expiry dates, even on boxed food. After I reported a shelf full of expired boxes of Kraft Mac and Cheese to a manager at a grocery store in Vegas, bringing about 10 of the expired boxes to the customer service counter and turning the rest on the shelf to show the date, I later caught that manager putting the boxes back and turning them all so the dates were to the rear of the shelf. Seriously. I let him know that I'd caught him and reported the store to the Clark County Health Department, and never shopped there again.
At the Vons where we shopped, I several times found expired food on the shelves and brought it to their attention, but to their credit, they didn't put it back and ordered new stuff. It did take well over a month on the pectin which delayed my jam-making, though.
Also, if the dates on the packages in front are close, look to the packages further back on the shelf.
And yes, I do know that the dates are frequently "sell by" dates and that the food is edible long after. I also know that canned goods are frequently good for years beyond their stated date. But some things do start to get less pleasant to eat, lose nutritional benefits (ie you can eat yogurt beyond it's date quite frequently, but most or all of the active live cultures will be dead), or in the case of baking ingredients, they may not perform their functions as well after expiry. So I generally like to at least buy them before they're expired.
Dallas police to take part in photo lineup study designed to limit faulty eyewitness testimony - interesting to read, plus nice to know they're looking into the problems associated with faulty lineup identifications.
Alzheimer's drugs double death risk in elderly - "they think the drugs could be damaging to the brain and their sedative effects make patients less able to exercise and more susceptible to deadly infections." Fun!
Experimental Drug Could Help People with Alzheimer's Disease - Let's hope this one works better without nasty side effects like death!
Children forced into cell-like school seclusion rooms - So much wrong with this, and so very sad.
Crouching tufty, hidden dragon: The amazing Kung Fu squirrels - The day I saw this, squirrels were battling like crazy on the tree outside my window here. They're fierce little bastards!
Overweight women have lower risk of premature birth - which is pretty much the exact opposite we've been hearing from our doctors for so very long.
Poison shrub oil powers New Zealand airline flight - Whether this plant is feasible for long term use or not, it's awesome that they're trying stuff out, and I loved this bit: ""It is Air New Zealands long-term goal to become the worlds most environmentally sustainable airline and we have today made further significant progress towards this," Chief Executive Rob Fyfe said in the statement." I love NZ. :)
Antibiotics before infections save lives: study - I guess this makes sense since people in that situation are already more prone to infection. I just hope it doesn't set back the efforts of the medical community in terms of convincing everyday people to stop asking for antibiotics as placebos.
I've got more too plus a library activism thing to post but I'm tired, more tomorrow... | comments: 2 comments or Leave a comment  |
| So the podiatrist finally took me seriously and has ordered an MRI.
Let me remind everyone reading that we have what is supposedly GOOD insurance coverage.
The MRI people, who are on our PPO's list and do take them, so this should be fully covered, just called to say that yes indeedy it's a spankin' new year and the deductible has been reset. So while the MRI is "covered", the deductible will apply: just under $500 if they don't need dye, almost $800 if they do need dye, which will be determined during the procedure.
So I just paid the $895 remainder of last year's deductible and now I get to pay more. I guess I can be "happy" that at this rate the deductible will be paid off soon? Oh, but it's not like the care is free after that, oh no no no...there will still be the $30 per every appointment, the $70ish a month I pay for my drugs (all generic but one), whatever comes up as non-covered (ie the eventual new orthotic inserts I'll need, probably a few hundred there at least), etc. Not to mention that Corran pays for me and Peo to be on this plan.
We pay and we pay and we pay and we have "good insurance". As Corran said the other day, really, we just need to include this $1500 deductible in our budget each year because it's totally going to happen. We're not even exactly clear if we each have a $1500 deductible (deductibles were individualized on our previous plan, and separated by specialty...niiiiiiiiice) or if it's $1500 for the family. Luckily I'm the only perpetually sick one.
WTF do people with bad or no insurance do? Oh right, they get sick and die. | comments: 4 comments or Leave a comment  |
| Some of you may recall that a few months ago, while Corran was away on business, I woke in the middle of the night with chest pains that wouldn't go away and since it was in the wee hours, I decided to play it safe and go to the only medical facility that was near me and open and listed on my insurance plan: a hospital emergency room.
Turned out the chest pains weren't a heart attack, probably just muscular, but the ER staff assured me I had done the right thing.
Medically, that is.
The final bill has now come in.
I paid $75 that day.
I wrote a cheque for $575 last month for the ER doctor.
Now the hospital would like the remaining balance of $869 and change.
And let me make this clear: this is WITH full insurance coverage at a preferred provider in the network. This is basically adding up to the yearly $1500 deductible, which Corran still hopes pertains to the year from when we came onto the plan, which would May to May, but I keep telling him I'm quite sure will be the calendar year (I read in a magazine about a woman who had a baby on December 31 but because she then stayed in hospital until Jan 1, had to pay two deductibles towards the care).
Now, should I find myself alone again and have chest pains, do you think I'll go to the hospital for help, knowing that it'll cost me so much money? We can pay this, but it's still a LOT of money. Does anyone really think that frugal me will do this again? Hell no.
So the next time, if it is a heart attack, the result will end up being more expensive because I won't go in until it's very obviously a heart attack, at which point damage will have been done.
This is the fundamental flaw of US health care: it punishes preventative care, even for the supposedly well-insured. Sensible decisions are punished, but waiting until the point of stupidity is rewarded.
Oh, it's not great for the economy either, because that's money that we sure as hell won't be spending on something else. | comments: 12 comments or Leave a comment  |
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Blatherings
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