#Medical Insurance Coverage
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Ah, insurance. 🩺🤑
#medical insurance#insurance#metamorphosis#franz kafka#starbucks#insurance coverage#beetle moses#comic#meme#memes#funny memes
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why did we invent money
#why am i paying MY EMPLOYER ~$250 every month for the ability to get medical care#and it’s not even good coverage!!! i still have to use another insurance too!!! that i assume my dad pays too much money for!!!#and i can’t even have that coverage from my dad’s insurance in like 13 months!!!#so!!! stupid!!!#personal
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People love to pay a monthly premium for insurance and not know how to use it. God bless, you are all so stupid
#no your medical insurance is not dental insurance#it would be sosososo nice if they were the same thing#and sometimes they are#but often they are not#you should familiarize yourself with your coverage#and you should absolutely find out if the dentist you booked online bc it’s nearby is actually in network#you should also do this more than 2 hours before the appointment#I have opinions
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i have the type of adhd that makes me try aggressively harder until it consumes me when it’s extremely difficult to acquire medication, instead of giving up because phone calls scary
#an hour and a half of my work day has been dedicated to this#honestly at this point it’s out of spite i take like 10mg twice a day#some insane part of me is like ‘oh there’s a shortage? this bullshit is def making other ppl with adhd give up but i am the alpha’#‘and i will persist and acquire the limited resource’#is this the medication or just my personality and the way i’ve developed with condition? who can say#but i’m not going to be beaten here#i will choose to go off of it but only if i genuinely think it’s the right call#and not bc i’m unwilling to do what i need to do to get it#only allowed to refill the day i run out every single month? i’ve got it hand me the phone and calendar#insurance changing coverage guidelines? doctor’s appointment made to get prior authorization or otherwise change dosage#widespread shortage? i will call every pharmacy in the area to figure out who has it this month#and call my doctor’s office as many times asking them to send it there#until they get it right after two inevitable failures#all in the same 7 hour period bc i’m legally only allowed to fill it when i’m literally about to be out of it#all while i have FUCKING ADHD
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A kind of funny trend I've noticed is that many fanfic writers who write for fandoms that take place in Japan often aren't aware of the fact that Japan has universal health care. I've seen quite a few fics set in Japan with whump/hurt comfort plots that mention large medical bills as if it's taking place in America lol.
#Random#fanfiction#For reference#It's not free but it's very cheap#Depending on income they only have to pay 10-30% and there's a monthly threshold where anything over that is waived/reimbursed#Also the bills are generally cheaper to begin with even before the insurance coverage#Age also affects how much is covered#So medical care is very inexpensive in Japan for the average citizen#And fees would generally be waived for anyone too poor to afford it
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the next customer to ask me "what's wrong with your eye?" is getting thrown into the sea :)
#i have a chalazion on my lower eyelid#which is basically a lump that forms when you have a blocked oil gland#oil builds up behind the blocked gland and solidfies into a hard lump#i've had one before and it went away with warm compresses and eye wash (the standard treatment)#but this one has not gone away after a few months#and is huge and uncomfortable and extremely visible#and will need to be surgically excised given that standard treatment hasn't worked#but i haven't been able to get to a doctor for it because my health insurance is all tangled up with bureaucratical nonsense#(basically i'm in coverage limbo right now)#(waiting for multiple government departments and private companies to communicate with each other)#anyway i'm super self conscious about how it looks#and i have had FIVE DIFFERENT STRANGERS at work#all but one of whom were adults who should know better#just be like ''HEY WHATS THAT THING ON YOUR EYE?''#as if it's remotely polite or appropriate to ask someone you don't know about some clearly medical issue they have#feels great feels great#cass says things
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Inexplicably just got two letters from Aetna asking for additional information for prescription drug prior authorization in the state of Florida. Couple of things wrong with that: - the prior authorizations have already been approved - I don’t live in the state of Florida and never have - the information it asks for is information I cannot provide, only my doctor can, and she’s named on the paperwork so they definitely know how to send her the letters - I’m not in Florida???? Why Florida?????
#the person behind the yarn#medical mention#tj is in insurance hell#honestly this one's not that hellish it's just bemusing#absolutely miraculous that filling out surveys saying Aetna's practice of denying coverage of life-saving preventative care could kill peopl#and that I would be actively advocating against Aetna in every arena available to me#ended up with them suddenly changing their minds and covering my inhalers#miracle. Truly as all their employee emails to me say they 'have my best interest at heart'#the second page in the letters that was titled Notice of Nondiscrimination made me laugh out loud#like. Sure. Sure Aetna.#just in case: everything here is based on my personal experiences dealing with Aetna#and is not intended as a factual representation of the company. It's me venting about dealing with health insurance#I do not know what their literal company policies are#only what I have perceived of the company's actions and what policies could lead to those choices
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#health field#out of pocket#insurance coverage#cannabis#marijuana#weed#pot#legalization#medical marijuana#mmj#medical cannabis#legalize#rescheduling#schedule iii#schedule 3
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i never ever complain about money bc i know im in an extremely privileged position bc my family gives me a decent chunk of financial support, and thats why i am always actually able to give to my friends and others in need, but the fact is if that disappeared tomorrow i make just enough money to scrape by at the current pace and my dad is a very confusing elderly man who is hard to get clear answers about anything from, so shit could just disappear tomorrow and id only find out tomorrow. it probably wont and ill probably be fine but i really can barely justify spending half my rent on a health insurance premium, the stupid enrollment period thing is closed or whatever (why is that even a thing?) and thats just. deeply frustrating. anyway this is a self reminder i need to start diversifying my income and selling shit online lol
#im also still mentally scarred from a couple years ago when my insurance company was suddenly like#actually nvm you didnt have coverage this whole time u were paying ur premium#and now you owe the several dozen doctors u visited#bc you have severe medical ocd#thousands and thousands of dollars#that ur unemployed ass doesnt rly have#so that was fun
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I have had some massive fucking wake-up calls the last few days between the post office refusing to give me my mail because of my preferred name not matching my legal name (I got it eventually, but not without the person at the customer service desk literally telling me baseless threats over it and being an absolute ass to me) and now last night being woken up with the most painful cramping I’ve felt in my fucking life, bad enough I think I might have ended up in the emergency room if the heat pad and naproxen hadn’t worked because I was literally doubled over and dizzy from it. I have needed to update my legal information and get a hysterectomy for YEARS now and it has reached a point that I cannot go on putting it off any longer. I am kind of nervous because it almost feels like starting from the beginning again trying to find a trans-friendly PCP and gather referrals and approval letters and get my finances in order and broach the subject with semi-unsupportive-ish family who will no doubt be unhappy about it, but at this point I am scared for my health and concerned about being denied access to things with my legal name not being updated so uh 2023 resolution has been decided for me by the universe, clearly. I am excited knowing that my uni has a name change workshop for trans people that I’ll be able to take part in coming up in a few months so that’ll be completed soon but uhhhh. Damn. 😬
#i am sort of hoping the agonizing cramps mean the hysterectomy is considered medically necessary tho#rather than just gender affirming or whatever.#cuz the process tends to be easier to get insurance coverage that way lol...
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been waiting to hear back for a while on genetic testing I got done to see if I have the same extremely rare genetic disorder that killed my grandpa earlier this year, and finally found out yesterday that I do indeed have it. yippee or whatever 👍
#it’s called:#Birt Hogg Dube syndrome#in case anyone’s curious#yesterday when I found out I couldn’t stop crying#but now I’m like sure. might as well add that onto my laundry list of medical issues. what’s one more at this point#at least I listened to the genetic counselor’s advice & preemptively got life insurance before doing the testing#(apparently if u try to get it with the disorder as a pre-existing condition they can deny you coverage)#personal
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Importance of international health coverage for expats
DUBAI, UAE – (ARAB NEWSWIRE) — International health coverage is essential for expatriates, providing peace of mind and financial security in unfamiliar health care environments. Moving abroad brings a range of new experiences but also unique challenges, especially when it comes to accessing medical care. Expats often face varying health care standards, language barriers, and differing medical…
#Emergency medical supportt#expats#global medical care#international health coverage#international health insurance#preventive care
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Protect Yourself By Sports Injury Insurance in Louisiana
Sports injuries ever sidelined you, medical bills are also unpleasant. Consider sports injury insurance if you are an active Louisianan who loves to play. If you spill on the court or field, this coverage can save you money. This info explains sports accident insurance in Louisiana.
Why Louisiana Sports Injury Insurance Matters.
The High Risk Nature of Louisiana Sports.
Louisianans take sports seriously. From Friday night high school football games to weekend hunting trips, Louisians are always moving. However, this active lifestyle increases injury risk. So you need a medical supplement Louisiana. Accidents can happen quickly when tackling on the gridiron, sliding into home plate, or traversing wetlands.
Financial Impact of Sports Injuries.
Lets talk money. A sports injury can cost more than a linebacker. Medical bills, rehabilitation fees and lost pay may quickly turn a minor accident into a significant financial burden. In the city, where healthcare expenses are rising, one injury can cost thousands.
Limitations of Standard Health Insurance.
You might say, But wait, I have health insurance. Thats a good start, but ordinary health insurance often fails to cover sports injuries. High deductibles, copayments and coverage limits can generate large out of pocket costs.
Traditional health insurance may not cover the following.
a- Lost pay due to injury.
b- Travel expenses for specialized treatment.
c- Home or vehicle adaptations.
d- Experimental treatments for faster recovery.
Sports injury insurance supplements your health insurance.
Tailored Coverage for Louisiana Unique Needs
Sports Accident Insurance for Louisiana varies. Specialized coverage is needed for state distinctive sports culture, from high school football rivalry to bass fishing contests. Look for policies addressing the dangers of Louisiana most popular sports and outdoor activities.
Sports injury insurance is smart for weekend warriors and serious athletes. It protects your health, income and capacity to accomplish what you love. In uncertain sports, a good game plan on and off the field is always best.
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Hey y’all! I hadn’t mentioned it by name because I wasn’t sure if it was regional or not, but I found out it’s not regional so: Aetna is the worst insurance company. It sucks! Avoid it if you can. All my insurance issues have been because of Aetna. Aetna refuses to pay for my maintenance inhaler or my rescue inhaler, and refused to pay for a holter monitor for me when I’ve had tachycardia issues for a full decade. A heart monitor my doctor ordered to check if I had major electrical issues because if I did I’d need a pacemaker to prevent severe cardiac complications (I don’t have those issues, for the record).
#the person behind the yarn#medical mention#tj is in insurance hell#aetna is the fucking worst#they keep sending me 'customer satisfaction surveys'#and in the open response portion I told them I am actively advocating against using them#and I will continue to do so! I am extremely fucking lucky I can afford to pay for my inhaler out of pocket at the moment#because I cannot breathe without it#it's basic fucking preventative care that means I won't end up hospitalized#and they'd rather I die before I reach the hospital than pay for an inhaler#fuck aetna#hey that's already a tag someone else used often enough for tumblr to recommend it as a tag#I will be contacting HR at the company I work for to tell them about Aetna#and ask that I be removed from insurance if at all possible#because I can't get the better insurance (from a different company) right now#because I need a 'qualifying event' to change coverage#and while I did briefly consider asking a friend to marry me for insurance purposes#I decided that was maybe a bad idea#if I can get the company I work for to stop giving me insurance that counts as a qualifying event#I will be paying a lot more in premiums for insurance not through work#but it would cover my damn inhalers#so overall I'd be saving money
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vimeo
Expert Insights on Transformative Leadership Strategies at ManipalCigna
Explore the ManipalCigna Health 360 Rider in this video. Discover its extensive coverage features, including additional protection and benefits to enhance your health insurance plan.
https://www.manipalcigna.com/blog/steps-to-make-cashless-claims-towards-health-insurance
#ManipalCigna#Health 360 Rider#health insurance rider#enhanced coverage#insurance benefits#ManipalCigna Health 360#health protection#insurance features#health insurance#medical insurance#Vimeo
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