ChaosCoati
@ChaosCoati@midwest.social
- Comment on Why do the majority of women still take their partner's last name? 4 weeks ago:
I have friends who published before being married, so now professionally still use their own last name (for continuity) but socially will go by their husband’s last name.
- Comment on Do birds get fat in fall? 2 months ago:
Nor can I find where I wrote it down so I wouldn’t forget
- Comment on Do birds get fat in fall? 2 months ago:
While it may not put on much in the way of body fat, chickadees’ brains gain weight to remember where they hid all their food for winter. This may apply to tits as well since they’re related but I haven’t seen any studies for them specifically.
- Comment on How exactly do insurance deductibles work? 3 months ago:
I don’t know the actual answer. My theory is it’s this confusing so it’s hard for the general population to catch the mistakes. This allows insurance companies get out of paying as much as they’re supposed to. And hospitals don’t really care who does the paying, as long as they get paid
- Comment on How exactly do insurance deductibles work? 3 months ago:
All very valid points and part of why American health insurance is such a joke
I had an incident recently where my spouse had to go to the ER because of a life threatening incident. One of those fix it right now or they might die things. (They’re fine now, thank goodness.)
We went to an in-network hospital and all doctors were also in-network. However the one who actually did the life-saving procedure was a specialist. Under our insurance plan seeing a specialist requires a referral, which of course we didn’t have time to get. So insurance tried to nope out of that doctor’s entire bill.
- Comment on How exactly do insurance deductibles work? 3 months ago:
You need to know both your deductible and out of pocket maximum numbers. You’ve said your deductible is $1500. For the sake of this example let’s say your out of pocket max (OOP from now on) is $2500.
For simplicity, we’ll go with your insurance’s negotiated rate for the procedure is $1000*. Meaning at the end of the day you and your insurance combined will pay the hospital $1000.
Basically any bills up to $1500 for the year you pay 100%. Between $1500 and $2500 (or your OOP), insurance pays 50% and you pay 50%. Over $2500 insurance pays 100%.
Some examples to illustrate:
- You’ve paid $400 this year so far. You pay the full $1000: $400 + $1000 = $1400 which is less than your deductible of $1500
- You’ve paid $1000 so far this year. You pay $750 and insurance pays $250: $500 gets you to the $1500 deductible limit so you have to pay all that, plus you pay 50% of the remaining $500 bill = $250.
- You’ve paid $1700 so far. You pay $500 and insurance pays $500. $1700 + $500 = $2200 which is less than your OOP of $2500
- You’ve paid $2300 so far. You pay $200 and insurance pays $800. 50% of $1000 = $500 but $500 would put you over your OOP of $2500. $2500 - $2300 = $200. You pay $200 and insurance pays the rest.
- You’ve paid $2500 so far. Insurance pays $1000
- If your insurance’s negotiated rate for the procedure is $1000, this means that’s what the hospital and insurance have agreed to pay. A lot of times you’ll see the hospital “charge” a larger number and then have an insurance “discount” but ignore this. It doesn’t factor into deductible or out of pocket maximum calculations.
- Comment on How do I know when it's time to call the "honey wagon"? 4 months ago:
Find out if your local county or municipality has a required timeframe. By us it’s every 3 years.
As far as how to tell in the short term, is there a tank between your house and the drain field that you can access (has maybe a round metal or concrete cover or a plastic riser with lid)? If so, lift the lid and see if you can see the top of the pipe going in the direction of the drain field. If so it’s likely draining fine. If the liquid is near the top of the tank and you can’t see a pipe, you’ll want to get someone to look at it sooner rather than later.
- Comment on Yesterday in Kroger (a supermarket for you non-Americans) I saw a bunch of cans of potato salad. Why would someone buy canned potato salad? 5 months ago:
It’s emulsified like you’re making a vinaigrette and my grandma always serves it warm
- Comment on Yesterday in Kroger (a supermarket for you non-Americans) I saw a bunch of cans of potato salad. Why would someone buy canned potato salad? 5 months ago:
My grandma always makes both kinds for family gatherings (the mayo kind and the vinegar kind, vinegar being what she calls German potato salad). The way she makes it, the “sauce” part that coats the potatoes is bacon fat, vinegar and a little sugar.
- Comment on [Serious] What is project 2025? What kind of risk is involved? 7 months ago: