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Joined 9 months ago
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Cake day: December 19th, 2023

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  • Don’t forget, insurance covers 50% before the deductible is met, not after. When a policy has that verbiage, usually there’s a footnote that states how those claims are handled in the future. From what I’ve seen, that could mean that insurance will cover 100% of said procedure after the deductible is met or it could mean a co-insurance of 30%.

    After the deductible is met, OP won’t necessarily pay 50%. The percentage of the bill that OP and/or insurance will pay will be on a footnote at the bottom of the blue plan overview page (at least it’s blue when looking at plans from the ACA marketplace).


  • If you’ve met your deductible, you may not owe for the upcoming procedure.

    However, you’d need to look at your policy or call the insurance company to see if the procedure counts towards your deductible. Normally the plan specifies that its 50% before the deductible and by an asterisk or buried somewhere in your plan’s terms, it may say that it’ll be 100% covered after tour deductible is met.

    Is your deductible and out-of-pocket max the same? If you’ve met both, you may not even owe a copay. If you still haven’t met the out-of-pocket max, you will still owe co-pays.

    Your plan documents or the company will be able to give better answers, as companies and plans can be very different in how they cover things.







  • We were only 600,000 votes away from a Biden victory in 2020 because we didn’t have enough voters. TX has pitiful voter turnout, even with 2 weeks if open polls, with polls required to be open at least 12 hours a day on the weekday.

    In 2020, even with what’s called amazing turnout, with a voting age population of 21.5 million, 17 million were registered, and 11.3 million cast a vote. Then in 2022, when we had the entire legislative branch, almost all of the executive branch, and a good chunk of the judicial branch up for election, only 8.1 million people voted.

    Even with these numbers, Biden still received more votes in TX than he did in NY! There’s potential for us to get some better representation, if we can just get more people to get to a polling station (usually open 7AM-7PM during the second week of voting).

    We need more people to turnout this year, not only to keep Trump from our electoral college votes, but to kick Ted Cruz to the curb. There is a lot in the news pushing people away from the pills and making people mad at the DNC just like in 2016 and its really scary because those tactics helped keep people from casting their vote.

    Turnout number source https://www.sos.state.tx.us/elections/historical/70-92.shtml




  • In your younger years, you have a lot more to look forward to that’s tied to your age: first decade, teen years, driving, getting a job, voting, making your own decisions, second decade, and drinking age. After that, the only things that are still age locked are at 25 when you can rent a car and your insurance goes down, the other decades, and legal age requirements for reaching certain political offices. There just isn’t much else to look forward to at a specific age, so it’s not as important for your brain to remember.

    Misremembering people’s names is not related to the age. A chunk of the population is really great at remembering names and another chunk remembers faces better. I’m more of a face person, I will most likely recognize you, but might not remember your name.