Sorry for the late reply, I typically browse on Artemis and notifications are broke.
But ya, that was my point. You can have “good” insurance but whats covered is still up to them. They can deny whatever they want and get away with it because no one wants to fight back. Every one of those things are legitimate medical purchases but they don’t care because there is nothing to enforce payment. So they deny everything to keep your money and give you nothing in return.
Idk where your coming from but as someone who had $12k in an HSA and employer medical that’s bs.
I went to the eye doctor and needed glasses. Tried using my HSA. Nope. Not an approved medical expense. Tried paying a copay at the er. Nope not an approved medical expense. Wife got a kidney stone removed via surgery. Wanted to pay coinsurance. Nope not an approved medical expense. I needed a cpap for my sleep apnea. Nope not an approved medical expense. Year rolled over and all that money disappeared. I asked where it went and was told I either used it or lost it. So I got rid of it. Fucking garbage.
As for the employer coverage, we had a zero dollar deductible plan. My wife gave birth last year. Ambulance ride from her work? Nope, not necessary. All the gyno visits? Nope, not necessary. The ER visit when she slipped and fell at 6 months? Nope, not necessary. The 2 week hospital stay when she went preeclamptic? Nope, not necessary. The delivery? Nope, not necessary. The NICU stay for our premature daughter? Nope, not necessary.
I payed $1700 per PAY for my health insurance and they didn’t cover a cent from our entire family last year. We racked up over $70k in medical debt. Our MOOP was $5k/$10k and they said none of it applied.
Hospital sent it to collections because we couldn’t fit their minimum payment of $9k/mth (fuck duke lifepoint but this is an insurance rant). We complained to the pa board of health insurance and were advised to get a lawyer but no lawyer would take it. They said it would be years to get anything back, let alone the full amount.
We ended up proving that my employer doesn’t offer comprehensive insurance. The main component is covering pre and post natal care which they claim to, but they deny every time. So now we have insurance through penni for $60/mth with government help. Oh and we went through bankruptcy to get rid of the collections debt.
Fuck Cigna, fuck duke lifepoint, fuck insurance, fuck for profit healthcare, fuck the American healthcare system.
You can file bankruptcy independently. It’s a bit more complicated but possible.
I just went through it and honestly, I’m so relieved. It’s not something you want to go through, but sometimes people fuck up and can’t unfuck their finances. It helped me and my wife unfuck our finances. We declared bankruptcy in March and were debt free by May. We now own a house and are actually able to live our lives how we want. Our daughter turned a year and we decided to throw her a massive bday. We put 2 grand into her party. Something we couldn’t have done with our debt. We’re going to a couple USL playoff games this season as well.
On top of that we got new flooring in our house, something we desperately needed. We just had a new furnace installed. I have a quote coming for replacing our stairs that are falling apart. The loans are a pain to get but it’s doable and we’re paying them off before the interest gets too bad. Again, something we wouldn’t be able to do in debt.
Bankruptcy shouldn’t be something anyone wants to do, but also don’t be afraid of it.
Every form of production will have defects. The goal of perfecting production is one to be sought, but never achieved. We should always try to make food production more efficient with less loss, but there will always be loss, and always be waste.
Even new means of production like lab grown beef can have waste and loss in batches that don’t “grow” properly because they didn’t mix hormones correctly or whatever. I actually don’t know how the science behind that works, but I do know it’s a process. And where there’s a process there’s room for error. That’s where we get loss from.
We’ll never make something fool proof. Perhaps lab grown meats will be the most efficient form of product in that they have the lowest loss and production can be tweaked fairly quickly so there’s not a lot of loss and ramped up for shipments to areas with food shortages. Honestly, lab grown in my opinion has the best chances of being a major breakthrough but it’s still too early to be sure.
Stars can appear red or blue depending on the direction they are traveling. It has to do with the frequency of light they put out. As they move away the frequency gets lower, which we interpret as red. As they get closer the frequency gets faster which we interpret as blue.
I am not an astronomer or even a casual stargazer. I took a single class in Astronomy in college and this was a neat fact I picked up. I remember next to nothing else from the class other than the fact that you can fit every planet between the earth and moon.
Not necessarily. You can get an ID from the DMV that doesn’t grant you a drivers license, but the drivers license servers exactly the same purpose and allows you to drive, something 90% of the population want. So drivers license obviously is extremely more popular but you can get a plastic ID card similar to it from the DMV.
Took me 10 minutes to realize those weren’t ghosts…
Very. And I’m actually in shape comparatively.
I live in a very hilly city with very few sidewalks. Even going a block away typically needs a car to be safe. A car is a necessity even in the city because of its layout. Ya, it’s a fixable problem but let’s be honest. You can’t bitch about people not using bikes in a place that’s not safe to use them. Change needs to come from the top down.
I’m 230lbs at 5’11”. I’m obese. I’m also probably healthier than about half the people I know.
I’d love to change, but with degenerative disc disease it’s tough to walk through the store at times, let alone actually work out. I threw out my back standing in line at the post office last week.
Where I live, there’s a lot of elderly people. It’s a very aged population. I’d imagine they’re going to struggle to be healthier just like I would. So expecting biking and walking out of this area is just not going to happen.
Need to copy the middle right image down to the lower right frame. Then copy the top row down but still have him throwing the chair.
Just bought one recently. We walked in and the guy immediately started showing us ones for as low as $200. I asked what the difference was between those and the display models and he started showing us some of the floor models. We really didn’t feel much difference between any of them. The ones leaning up were absolutely not worth it and uncomfortable but we went with a $1k hybrid because it felt the same as a $5k premium Stearns and Foster. We got a Sleepy with a medium stiffness. It’s a combination of memory foam and springs. It helped my back pain and I got the best night sleep in years the day we got it.
You know what, I think you’re right. It’s weird that there’s two episodes where someone uses a disguise to join the military though…
Kbin isn’t federating them is what I meant. Sorry
Wasn’t that when Leela joined? Cause fry joined the military and went to war with the giant balls
Downvotes don’t federate currently. I think it’s a work in progress though
Phone numbers can be spoofed and calls can be redirected. Or, even better, conditional call forwarding is supported by most carriers. It can be set up and you’ll never know. Then they get the phone call and not you
They like it because it’s cheap and easy. They pay a phone provider for the 4 digit phone number and type in a script to generate a random code and text it. There is no oversight or maintenance.
Pairing with an Authenticator app is easy, but a little more work. Pairing with a mobile app can get a little tougher and require development plus maintenance in making sure the app cannot be spoofed and works with updates. Using a physical drive for 2FA is a pain in the ass to set up. From a business standpoint, 2FA only needs to work enough to remove liability from your business. If someone spoofs your cellphone number that’s on the phone provider not them so that’s enough to remove liability
Tbh I think Futurama is perfect for streaming. It’s a fantastic show that I could easily binge but I’m just not feeling the waiting each week for an episode. Some shows I will wait for the episode and will plan for time to watch the premiere. But Futurama, I keep forgetting about. I’m enjoying the episodes and think it’s a great season, but I’m forgetting about it shortly after. I would gladly binge 10 episodes once or twice a year though and be happy with that.
Tbh I think Futurama is perfect for streaming. It’s a fantastic show that I could easily binge but I’m just not feeling the waiting each week for an episode. Some shows I will wait for the episode and will plan for time to watch the premiere. But Futurama, I keep forgetting about. I’m enjoying the episodes and think it’s a great season, but I’m forgetting about it shortly after. I would gladly binge 10 episodes once or twice a year though and be happy with that.
November 2019 everyone in my house got it. Well, we don’t know we got it but we’re pretty sure we got it.
Went to urgent care and was told it’s probably the flu. It checked every box for the flu. So they tested us and sent us home. Flu test came back negative for everyone.
We were utterly miserable for a week then got better. Then we started hearing about the “first covid cases in the US”. I think their timeline is off and it came over before they started testing for it.
I had to give an account number for my purchases and they billed it like insurance. Then they would call me and harass me for miss using the card and demand a ton of business information that they could just ask the business for. I would need to get EIN numbers from my eye doctors and stuff to get them to believe it was a business. Then they would tell me they can’t authorize it and garnish my wages as “repayment”