#Personalized insurance

[innovativeinsurance]

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[honeypleasejustkillme]

i thought i was at my lowest but holy shit it gets lower

[techsahin]

Telematics Insurance: A Revolutionary Way to Save Money on Auto Insurance

Drive safer, save more with Telematics Auto Insurance! Discover how telematics insurance can benefit you #elon musk #telematicsinsurance #Lewandowski #BiggestMediaScam #Cryptocurency #thebabyfloki #ThursdayThoughts #INDWvsAUSW #Pawan_Khera #BoycottGermany

Dear People we are advancing rapidly in this modern world, and as the technology continues to advance, also the way we are approaching everyday tasks. The insurance industry is no exception as you know, we have also seen the rise of Telematics Auto Insurance. This innovative approach to auto insurance uses a small device installed in your vehicle which is to track your and mine driving habits and…

[captainknackig]

Stargate SG-1 as text posts (5/12)

[realstrap]

Help a black disabled lesbian stock up on medication!

‼️urgent needs to be met within 24-48 hours ‼️

Hey yall, my gf is losing their health insurance on the 30th and we really need help ensuring that they'll have medication for a while after that happens bc it will be significantly more expensive out of pocket!

Right now $125 will cover it, we really need this by since the notice of loss of insurance was dropped on us so suddenly, anything helps!!

Needed by the end of the day today (12/24/2023)

CA: $lezsalt or $sleepyhen

VM: wildwotko

dm for p@y pal

[b0tster]

ive never seen more promos and 50% off sales and damage control open letters in my entire life than what starbucks is doing right now lmao they are getting desperate

[bamsara]

hot take but i think if someone's parent(s) have died the government should support the remaining child/adult children with financial stuff to the age 26 (the age it is for other adult children to remain on their parent's healthcare plans, car insurance, ect) because I should not have been paying bills or losing healthcare at 17

[marlynnofmany]

I Know A Guy

The post office on this space station was close to the landing docks, nice and convenient, so several of us went to check our mail while Captain Sunlight met with the sister ship. Not all of the crew had mail drops set up, but I did; this station was a big hub that we stopped at with some regularity. Perfect for relaying the occasional news from home.

And care packages, as it turned out.

I opened the box with some curiosity, sitting on a bench while the others waited in line and the spaceport bustled around us. Inside I found multivitamins, a letter from my parents, a type of cereal that I’d loved as a kid, and a smaller box with a sun logo.

“Ooh, what’d you get?” Paint asked, trotting over with her own box clutched to her scaly orange chest.

“A lot of stuff,” I said in distraction, turning the sun box in search of words. No luck. I opened it to find a fist-sized yellow globe and a base with lots of buttons. And an instruction booklet, thankfully. “Oh, it’s a sun lamp!”

“It even looks like a little sun; how nice! Is it warm, or just bright?” Paint gave it an appreciative look while she opened her package.

“Not sure yet.” I skimmed the instructions and decided to leave that for later. “It’s thoughtful, though. I think my parents were concerned that I’m not getting enough Vitamin D up in space. And other vitamins.” I rattled the bottle.

“That’s a lot of vitamins.”

“Yup. And look, they found the discontinued cereal! I thought it was gone for good.” I carefully opened a corner and fished out a palmful of the maple syrup flavored crunchy goodness that I hadn’t had in years. It was just as tasty as I’d remembered.

Paint sniffed the air. “I don’t recognize that smell. What kind of food is it?”

“Breakfast food,” I said. “I think it’s wheat based, so it’s basically made from ground-up seeds, and flavored with sweet tree sap.”

“That’s … creative,” Paint said.

“Delicious, too. Most tree saps aren’t worth eating, but this one is.” I crunched another mouthful. “Want some?”

“No thank you,” was the prim answer that I’d fully expected. “But look what I got! Fancy heat stickers!” Paint held up a stack of vividly colored starburst shapes, fanned out like playing cards. “I’m going to see if Sunlight, Coals, and Eggskin want any.”

“Thoughtful of you,” I said, closing up the cereal. All four of the lizardy Heatseekers on our ship enjoyed warm things. The ambient temperature was always kept at a comfortable compromise for the various species onboard, but a handy little warm sticker that wouldn’t get in the way was bound to be appreciated.

“Oh, they’re even scented,” Paint said, rubbing one against her snout. “I’m going to have to order more of these.” She sorted through the stack, checking scents and color variations.

Mur and Zhee were still in line, stuck behind a Frillian who was shipping many things to many places, so I settled in to read the note from home while I waited. It was a nice update on the various goings-on of the extended family; all reasonably good news, nothing earth-shattering. Somebody got a scholarship, somebody had twins, somebody was doing well in a competitive bumper-ship derby league, and was incredibly excited about it. There was a lot of detail about that one. I got the impression that this particular second cousin had given everybody a rundown at a family gathering, so now they all knew more about the best types of shrapnel shielding than they probably wanted to. Sounded like the favorite was a human-made version, combining tech that other species had already come up with. The force field worked with the ship’s scanner to predict which parts of the shield would need the most power for a given impact. My cousin was a big fan.

The quiet slap of tentacles on the ground accompanied Mur. “Well that was a long wait,” he said. “But now I’m all set for media for the foreseeable future.” He held a data chip in one tentacle.

Zhee was right behind him, hissing in what sounded like joy instead of irritation for once. He set a box down between his bug feet, not waiting for a bench, and tore it open with his pincher arms. Inside was something that looked like another kind of data chip, and something with straps that I couldn’t begin to figure out.

“Excellent,” Zhee said. “The correct version, the highest quality, and Trrili does not get to listen to it, heathen that she is.”

It took me a second. “Oh, that’s music?” I thought back to the impassioned rant about Trrili’s incorrect opinions on traditional Mesmer leg-singing. I hoped Zhee played it quietly. “And is that — I want to say ‘headphones,’ but—”

“Personal speakers, yes,” Zhee said as he stuffed it all back in the box. “I will be able to listen to the glorious arias in privacy.”

Paint nodded. “Great idea.” She’d heard the leg-singing when I did, and probably wasn’t eager to hear the artful screeching again.

I was trying to guess whether Zhee would be offended if I asked where his ears were, since it occurred to me that I didn’t actually know. But the others were gathering up their things to head back to the ship, and I decided to put it off until later. Maybe I’d ask Eggskin the medic instead.

Something occurred to me as I put the letter back in the box. “Hey guys, pose for a second. I want to send my family a picture with some of my cool alien coworkers.”

The three of them agreed that they were awesome and worth photographing. (Their responses ranged from excited to confident to egotistical.) A few moments later, I had a fantastic group selfie to send with my letter back. Paint’s open-mouthed lizard smile was adorable; Mur stood tall on his blue-black tentacles; Zhee loomed over all of us with the lights shining off his purple exoskeleton; then there was me grinning in the front. I’d definitely be keeping a copy of this.

We made our way back to the ship where it was parked next to a similar lemon-shaped courier ship with folded solar sails. The two captains hadn’t gone inside yet, which made me wonder what they were discussing with such intense expressions.

As we approached, Captain Sunlight was saying, “I may know someone who can help us out, but I’d hate to give him the satisfaction.”

She broke off when Paint trotted up to give her a handful of heat stickers and to show off the blue-white one she herself was wearing. Apparently it smelled like a plant I’d never heard of.

“Thank you; that’s very thoughtful,” Captain Sunlight said. “Those sound like just the thing.” She picked out a green one and pasted it to her own chest, where it contrasted nicely with her yellow scales.

Zhee and Mur tromped into the ship. I lingered, curious. “Is all the ship business going all right?” I asked.

“For the moment,” the captain said as she stowed the rest of the stickers and the backing for that one in her belt pouch. “Just considering our options with some monetary considerations.”

Captain Kamm waved a tentacle. “Both ships are on the family plan for damage insurance, and the rates have made an unpleasant jump.”

I shifted the box to my other side. “Do we need to earn more money?”

“No, it will be all right.” Captain Sunlight shook her head. “I have a lead on a better deal. I just need to make a call or two.”

Captain Kamm ushered us all into our ship, wasting no time. Paint disappeared to share her heat stickers while the two captains adjourned to the lounge. I put my things away and hurried back. No one had told me to mind my own business, so I was going to listen in before writing a letter to send back home.

I was quick, but Captain Sunlight was quicker. She was just ending the holo call when I arrived. A green-scaled Heatseeker gazed earnestly from the projection, urging her to get back to him as soon as she could.

“If you can get better shields, I can promise you a savings of at least 15% compared to your current plan!”

“Yes, thank you,” Captain Sunlight said. “I’ll see what I can do. Say hi to the elders for me.”

He said he would, and she turned off the projection with another deep sigh. Captain Kamm sat next to her, weaving tentacles together thoughtfully.

Captain Sunlight tossed the communicator onto the table and sat back with folded arms. “Of course it couldn’t be that simple. He talks a good game at every gathering, but oh no: prerequisites.”

I sat down at the end of the couch, absently petting Telly who was curled up in the center. In proper cat fashion, she responded by stretching to take up even more space. I was thinking about what the captain had just said about shields.

I asked, “Does he need a certain kind in order to get us the better deal?”

Captain Sunlight waved a hand. “Just a higher degree of resistance to micrometeorites. The shielding we have is perfectly serviceable, but it’s apparently not enough for the good rates.”

“Would we need to overhaul everything, or would it be enough to layer another kind over what we have? Like, say, a kind that connects to the ship’s scanners?”

The captain gave me a look. “Do you have a specific type in mind?”

“Possibly,” I said. “Are you familiar with bumper-ship derbies?”

Captain Kamm twirled a tentacle. “That’s some of the human ‘adrenaline junkie’ nonsense, yes?”

“I think there are some Smashers and other races that really get into it as well, but yes,” I said. “The letter from home I just got mentioned the shielding they use.”

I explained what I knew while they listened intently. Paint came in to join us and sat on the other side of Telly, who took the extra attention as her due. By the time I was done talking, everyone in the room was looking optimistic.

“Go ahead and reach out,” Captain Sunlight said. “We don’t have to rush off anytime soon. With any luck, we can get all this settled at once.”

“Here’s hoping!” Captain Kamm said, touching four tentacle-tips together over her head in what looked like the Strongarm version of crossed fingers.

“I’ll see if I can route a call through to home now,” I said, getting up.

Telly meowed in protest at the movement, then crawled onto Paint’s lap and rubbed her head against the heat sticker, purring audibly. Paint looked delighted.

I left with a wave, hurrying off to my quarters with plans to make a phone call, potentially save the day, then set up the sun lamp for the benefit of a certain fuzzy little heat-lover as well as for my own sake.

~~~

These are the ongoing backstory adventures of the main character from this book.

Shared early on Patreon! There’s even a free tier to get them on the same day as the rest of the world.

The sequel novel is in progress (and will include characters from these stories. I hadn’t thought all of them up when I wrote the first book, but they’re too much fun to leave out of the second).

[wildhannimal]

Before you pay that not-covered hospital bill:

I want to take a min to spread awareness for the No Surprises Act after noticing a reddit post earlier.

This protection for patients just popped up in the past couple years, and the one major downside is that it's up to the patients to speak up to make use of it, but not everyone knows what it is.

"If you have private health insurance, these new protections ban the most common types of surprise bills. If you’re uninsured or you decide not to use your health insurance for a service, under these protections, you can often get a good faith estimate of the cost of your care up front, before your visit."

Consumer fact sheet

Typically, health insurance companies will help pay for bills from "in-network" providers, AKA their VIP inner circle gang turf. They won't help pay if you get medical care from another gang's henchmen (out of network).

This means that sometimes, a person would go to the hospital, which they knew had been covered by their insurance before, so they expect it's going to be relatively affordable. But they didn't know that multiple medical "gangs" were working in the same hospital. Their anesthesiologist, for example, was from a different gang. That specialist was out of network even though the surgeon and nurses were all in network.

Boom. Big bill for thousands of dollars and their insurance refuses to help pay it.

But now we have this law! The No Surprises Act means that insurance companies need to cover "surprise" expenses (under certain conditions).

If you don't have health insurance, hospitals and clinics need to give you an accurate quote before you get services, then foot the bill if they were too far off the mark.

The Fact Sheet section (UPDATE: this consumer toolkit link is better) of the Centers for Medicare and Medicaid services have some wonderful user-friendly resources for you about health insurance and how this act works.

Keep in mind that Medicare and government-run programs always have weird rules for everything, so you might have different (yet similar) protections through those programs.

If you have a medical bill that wasn't covered by insurance and you think it might count as a surprise bill, please check out your rights and consider fighting it instead of letting it become a stressful expense or debt you can't repay.

Go here to start figuring things out for your situation:

Health insurance companies have way, waaaaay too much power over our lives. We need every drop of protection we can get - but it only counts as much as we can understand and use those protections!

[its-hai-time]

Me: I don't understand people who project their experiences onto fictional characters, the beauty is that they're *not* you

Also me after one incredibly minor fender bender: I have to write Klavier Gavin getting into a car accident or I will explod

[sprolden]

about to carve a pumpkin for the first time in like 15 years everyone please wish me luck

[honeypleasejustkillme]

every single time something good happens i’m always on edge, cuz it never stays good for long..

[prince-liest]

Eughhh, what a fucking Monday.

Woke up and got ready for work only to walk outside and realize someone had stolen all the wheels off of my fucking car. I live in a gated complex on the edge of town, so I don't know if this happened because one of my neighbors is a huge asshole or if the north gate being broken and stuck open let someone in or what, but it's just so shitty. They propped it up on three (3) cinderblocks and bent the doorframe and undercarriage, too.

Anyway, I had to take the day off and talk to my job, the police, my insurance, the car shop it's being taken to, the tow guys (towing took like 2 hours because there was no direct access), my parents, a coworker that lives in the same area to give me a ride tomorrow, etc...only people I haven't talked to are the housing complex folks, and that's because she's gone for the three day weekend.

Time for a late lunch and spitefully scrolling through Amazon for security cameras...I need a cup of tea.

[violent138]

If I had Batman's resources, I'd send the rogues on little field trips to find their bliss. Riddler can go investigate the Greek mysteries on a full-expenses paid academic mission, the dude is passionate. Ivy can go help out with that seed bank and help lead expeditions to find rare species to keep alive. Jervis Tetch can stay for a few weeks in the cottage that inspired Charles Dodgson. Clock King can chill with the atom clock thing, listening to metronome ticks. I understand this kind of sounds like some weird sort of warfare by sending these rogues to other countries, but I do feel like it'd work out for a little bit.

[bitchesgetriches]

Read more:

How to Pay Hospital Bills When You’re Flat Broke

[wuntrum]

gender affirming procedure (blowing up into a million pieces and coating the room with my blood and viscera etc)