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.
Except you can’t. People can deactivate this for each contact in their address book really easily. You can even create your own for each person and have that override theirs on your own phone.
You clearly didn’t read my response…
Smoking is bad regardless of what it is. You’re putting shit in your lungs that you shouldn’t. And then if your near others your putting it in their lungs too. If you want to get high do edibles or some shit that only affects you. But never tell me smoking weed is perfectly safe. Micro particles are damaging for you and others regardless what they’re made of.
Personally I think smoking cigarettes needs more restrictions and then smoking weed needs to fall in line with those. I’m all for legalization to the point where people can do what they want. But the second it messes with someone else’s choice it’s not your right anymore.
I’m getting pushed to try weed for more shit than ever now that it’s legal here and I can’t stand it. I don’t want to smoke. That’s my choice. Leave me choose it. “Oh but it will chill you out” ya well I’m allergic to THC. My throat swells shut. “Nah you just gotta get acclimated to it. Just trust me and try it”.
We push cigarettes out of so many places because of people with asthma, and rightfully so. But we need to do it with smoking ANYTHING. And I’m tired of hearing all of these “it might be a miracle cure for every disease ever”. I don’t care. It needs to be legalized on the grounds that people can do with their bodies what they want as long as those choice have no impact on others. It doesn’t need to be a miracle cure to be legal. It just needs to be legal. And once it’s legal then actual medical studies can be conducted in the United States to determine how medicinal it really is.
There are rumors of the Switch getting a successor next year. My biggest wish is for it to be compatible with the current games, included digital purchases. Honestly, if I can import my digital library and saves I’m already sold on a switch successor
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”