#Right Insurance Policies

[watermelinoe]

some of you are like well i refuse to vote democrat because when the rapture revolution comes i want to be morally pure

[phantomrose96]

So I know this isn't anything that like actually needs an apology but it'll make me feel a bit better to say it. Oof whoops this ABoT chapter is super late. Timing kinda sucks since I wanted to have some updates out while s3 was airing but

Been kinda mega busy and stressed since October with the whole condo buying thing which rolled right into immediate day 0 plumbing and boiler issues I had to get fixed and general moving hassle and financial commitment stress and I kinda just fried myself hard. Plus then acclimating to a new place without my familiar street or familiar grocery store or familiar room or any of that. Like there's no "just go home and take your mind off it" to this cuz home is the "it". So I'm just kinda enduring until I can calm the hell down.

And anyway I definitely have progress on ch47, like 7000-ish words of it, but it's the kind of like "there is writing there" and hasn't exactly hit the "there is substance there" that I want ABoT chapters to be. Like this in particular is a chapter I want to be good, not just be done. So it's taking time to get my brain somewhere that can do that.

[terrorbirb]

I'm bored at work so I'm seeing if I should report my old company for violating labor standards.

[orcelito]

I've always known that my dad loved us, but nothing's driven that home as much as everything we've found in the After.

Our prominence in his home (pictures, father's day cards, gifts on display, the letter), the way he prioritized us... and a damned good life insurance policy, set up specifically so that if he died early (always a possibility, since driving jobs are more dangerous than many) then we would have enough to get ourselves Set.

He raised us to become as independent as possible as soon as possible. Made sure we knew how to cook, clean, handle our finances (though he was hilariously kind of bad at that, himself), and much more. I've been doing my own laundry since I was about 10 years old, so it's a surprise when I hear about people going off to college still not knowing. Utterly unimaginable to me.

He wanted us to finish college so we could live more comfortable lives than he did. My sister accomplished this in good time. I have not. But with his final gift to us, this life insurance money, it's a very real thing I could do. I could Realistically pay for the rest of my schooling and not even have to work through it. And in not having to work as I take classes, I can dedicate myself to them more thoroughly than ever before, and hopefully Finally finish my degree.

Just as he wanted for me.

I'll always miss him, since having him in my life was worth more than any amount of money I could have. But I'll always be grateful to him for everything he gave to me.

I dont need a mother, however much mine is trying to scrabble for us right now. I haven't had a true mother in a long time (or maybe Ever).

Instead, I had the best father I could've ever asked for. He was the only parent I needed.

[gayvampyr]

`

[aetherose]

The Solution To All Problems Is Crimson Weave

[twilight-blaze]

ran into some trouble with my pharmacy being unable to bill my health insurance for my prescriptions and it turns out this was because my insurance company reverted the gender they have listed in my file for some fucking reason

[niceferatu]

the amount of mind-reading that customers expect from the people serving them is insane. I get people asking why their car insurance is still active even if they sold the car last year. bro you didn't tell us that

[mydecorative]

How To Choose A Reputable Moving Company For Your Move

If you're looking for a good moving company, it's always best to do your research first. A reputable moving company will always have great reviews from past customers and offer insurance to protect your items during the move.

[boreal-sea]

Look.

I have made you a chart. A very simple chart.

People say "You have to draw the line somewhere, and Biden has crossed it-" and my response is "Trump has crossed way more lines than Biden".

These categories are based off of actual policy enacted by both of these men while they were in office.

If the ONLY LINE YOU CARE ABOUT is line 12, you have an incredible amount of privilege, AND YOU DO NOT CARE ABOUT PALESTINIANS. You obviously have nothing to fear from a Trump presidency, and you do not give a fuck if a ceasefire actually occurs. You are obviously fine if your queer, disabled, and marginalized loved ones are hurt. You clearly don't care about the status of American democracy, which Trump has openly stated he plans to destroy on day 1 he is in office.

EDIT:

Ok fine, I spent 3 hours compiling sources for all of these, you can find that below the cut.

I'll give at least one link per subject area. There are of course many more sources to be read on these subject areas and no post could possibly give someone a full education on these subjects.

Biden and trans rights: https://www.hrc.org/resources/president-bidens-pro-lgbtq-timeline

Trump and trans rights: https://www.aclu.org/news/lgbtq-rights/trump-on-lgbtq-rights-rolling-back-protections-and-criminalizing-gender-nonconformity

The two sources above show how Biden has done a lot of work to promote trans rights, and how Trump did a lot of work to hurt trans rights.

Biden on abortion access: https://www.cnn.com/2022/07/08/politics/what-is-in-biden-abortion-executive-order/index.html

Trump on abortion access: https://apnews.com/article/abortion-trump-republican-presidential-election-2024-585faf025a1416d13d2fbc23da8d8637

Biden openly supports access to abortion and has taken steps to protect those rights at a federal level even after Roe v Wade was overturned. Trump, on the other hand, was the man who appointed the judges who helped overturn Roe v Wade and he openly brags about how proud he is of that decision. He also states that he believes individual states should have the final say in whether or not abortion is legal, and that he trusts them to "do the right thing", meaning he supports stronger abortion bans.

Biden on environmental reform: https://www.whitehouse.gov/briefing-room/statements-releases/2021/10/07/fact-sheet-president-biden-restores-protections-for-three-national-monuments-and-renews-american-leadership-to-steward-lands-waters-and-cultural-resources/

Trump on environmental reform: https://www.nytimes.com/interactive/2020/climate/trump-environment-rollbacks-list.html

Biden has made major steps forward for environmental reform. He has restored protections that Trump rolled back. He has enacted many executive orders and more to promote environmental protections, including rejoining the Paris Accords, which Trump withdrew the USA from. Trump is also well known for spreading conspiracy theories and lies about global climate change, calling it a "Chinese hoax".

Biden on healthcare and prescription reform: https://www.hhs.gov/about/news/2023/06/09/biden-administration-announces-savings-43-prescription-drugs-part-cost-saving-measures-president-bidens-inflation-reduction-act.html

Trump on healthcare reform: https://www.cnn.com/2024/01/07/politics/obamacare-health-insurance-ending-trump/index.html

I'm rolling healthcare and prescriptions and vaccines and public health all into one category here since they are related. Biden has lowered drug costs, expanded access to medicaid, and ACA enrollment has risen during his presidency. He has also made it so medical debt no longer applies to a person's credit score. He signed many executive orders during his first few weeks in office in order to get a handle on Trump's grievous mishandling of the COVID pandemic. Trump also wants to end the ACA. Trump is well known for refusing to wear a mask during the pandemic, encouraging the use of hydroxylchloroquine to "treat" COVID, and being openly anti-vaxx.

Biden on student loan forgiveness: https://www.ed.gov/news/press-releases/biden-harris-administration-announces-additional-77-billion-approved-student-debt-relief-160000-borrowers

Trump on student loan forgiveness: https://www.forbes.com/sites/adamminsky/2024/06/20/trump-knocks-bidens-vile-student-loan-forgiveness-plans-suggests-reversal/

Trump wants to reverse the student loan forgiveness plans Biden has enacted. Biden has already forgiven billions of dollars in loans and continues to work towards forgiving more.

Infrastructure funding:

I'm putting these links next together because they are all about infrastructure.

In general, Trump's "achievements" for infrastructure were to destroy environmental protections to speed up projects. Many of his plans were ineffective due to the fact that he did not clearly outline where the money was going to come from, and he was unwilling to raise taxes to pay for the projects. He was unable (and unwilling) to pass a bipartisan infrastructure bill during his 4 years in office. He did sign a few disaster relief bills. He did not enthusiastically promote renewable energy infrastructure. He created "Infrastructure Weeks" that the federal government then failed to fund. Trump did not do nothing for infrastructure, but his no-tax stance and his dislike for renewable energy means the contributions he made to American infrastructure were not as much as he claimed they were, nor as much as they could have been. Basically, he made a lot of promises, and delivered on very few of them. He is not "against" infrastructure, but he's certainly against funding it.

Biden was able to pass that bipartisan bill after taking office. The Bipartisan Infrastructure Plan that Trump tried to prevent from passing during Biden's term contains concrete funding sources and step by step plans to rebuild America's infrastructure. If you want to read the plan, you can find it here: https://www.whitehouse.gov/build/guidebook/. Biden has done far more for American infrastructure than Trump did, most notably by actually getting the bipartisan bill through congress.

Biden on Racial Equity: https://www.npr.org/sections/president-biden-takes-office/2021/01/26/960725707/biden-aims-to-advance-racial-equity-with-executive-actions

Trump on Racial Equity: https://www.axios.com/2024/04/01/trump-reverse-racism-civil-rights https://www.bbc.com/news/av/world-us-canada-37230916

Trump's racist policies are loud and clear for everyone to hear. We all heard him call Mexicans "Drug dealers, criminals, rapists". We all watched as he enacted travel bans on people from majority-Muslim nations. Biden, on the other hand, has done quite a lot during his term to attempt to reconcile racism in this country, including reversing Trump's "Muslim ban" the first day he was in office.

Biden on DEI: https://www.whitehouse.gov/briefing-room/presidential-actions/2021/06/25/executive-order-on-diversity-equity-inclusion-and-accessibility-in-the-federal-workforce/

Trump on DEI: https://www.msn.com/en-us/news/politics/trump-tried-to-crush-the-dei-revolution-heres-how-he-might-finish-the-job/ar-BB1jg3gz

Biden supports DEI and has signed executive orders and passed laws that support DEI on the federal level. Trump absolutely hates DEI and wants to eradicate it.

Biden on criminal justice reform: https://time.com/6155084/biden-criminal-justice-reform/

Trump on criminal justice reform: https://www.vox.com/2020-presidential-election/21418911/donald-trump-crime-criminal-justice-policy-record https://www.theatlantic.com/politics/archive/2024/05/trumps-extreme-plans-crime/678502/

From pardons for non-violent marijuana convictions to reducing the federal government's reliance on private prisons, Biden has done a lot in four years to reform our criminal justice system on the federal level. Meanwhile, Trump has described himself as "tough on crime". He advocates for more policing, including "stop and frisk" activities. Ironically it's actually quite difficult to find sources about what Trump thinks about crime, because almost all of the search results are about his own crimes.

Biden on military support for Israel: https://www.nbcnews.com/politics/national-security/biden-obama-divide-closely-support-israel-rcna127107

Trump on military support for Israel: https://www.vox.com/politics/353037/trump-gaza-israel-protests-biden-election-2024

Biden supports Israel financially and militarily and promotes holding Israel close. So did Trump. Trump was also very pro-Israel during his time in office and even moved the embassy to Jerusalem and declared Jerusalem the capitol of Israel, a move that inflamed attitudes in the region.

Biden on a ceasefire: https://www.usatoday.com/story/news/world/2024/06/05/gaza-israel-hamas-cease-fire-plan-biden/73967659007/

Trump on a ceasefire: https://www.nbcnews.com/politics/donald-trump/trump-israel-gaza-finish-problem-rcna141905

Trump has tried to be quiet on the issue but recently said he wants Israel to "finish the problem". He of course claims he could have prevented the whole problem. Trump also openly stated after Oct 7th that he would bar immigrants who support Hamas from the country and send in officers to American protests to arrest anyone supporting Hamas.

Biden meanwhile has been quietly urging Netanyahu to accept a ceasefire deal for months, including the most recent announcement earlier in June, though it seems as though that deal has finally fallen through as well.

[musical-chick-13]

I really don't want to make this a political blog, but there is. A big difference between "Neither of the major parties are on board with my values"/"I have criticisms of everyone in the political sphere"/"the political system is inherently flawed, I wish we had better candidates to pick from" (or even, "Wow, there is so much on both sides that really sucks! No one here is a particularly great person!")<-all of which are fair and things I actually do agree with, and "Both sides are, in every single way, on every single issue, literally completely the exact same."

[thoughtportal]

Opinion Here’s how to get free Paxlovid as many times as you need it

When the public health emergency around covid-19 ended, vaccines and treatments became commercial products, meaning companies could charge for them as they do other pharmaceuticals. Paxlovid, the highly effective antiviral pill that can prevent covid from becoming severe, now has a list price of nearly $1,400 for a five-day treatment course.

Thanks to an innovative agreement between the Biden administration and the drug’s manufacturer, Pfizer, Americans can still access the medication free or at very low cost through a program called Paxcess. The problem is that too few people — including pharmacists — are aware of it.

I learned of Paxcess only after readers wrote that pharmacies were charging them hundreds of dollars — or even the full list price — to fill their Paxlovid prescription. This shouldn’t be happening. A representative from Pfizer, which runs the program, explained to me that patients on Medicare and Medicaid or who are uninsured should get free Paxlovid. They need to sign up by going to paxlovid.iassist.com or by calling 877-219-7225. “We wanted to make enrollment as easy and as quick as possible,” the representative said.

Indeed, the process is straightforward. I clicked through the web form myself, and there are only three sets of information required. Patients first enter their name, date of birth and address. They then input their prescriber’s name and address and select their insurance type.

All this should take less than five minutes and can be done at home or at the pharmacy. A physician or pharmacist can fill it out on behalf of the patient, too. Importantly, this form does not ask for medical history, proof of a positive coronavirus test, income verification, citizenship status or other potentially sensitive and time-consuming information.

But there is one key requirement people need to be aware of: Patients must have a prescription for Paxlovid to start the enrollment process. It is not possible to pre-enroll. (Though, in a sense, people on Medicare or Medicaid are already pre-enrolled.)

Once the questionnaire is complete, the website generates a voucher within seconds. People can print it or email it themselves, and then they can exchange it for a free course of Paxlovid at most pharmacies.

Pfizer’s representative tells me that more than 57,000 pharmacies are contracted to participate in this program, including major chain drugstores such as CVS and Walgreens and large retail chains such as Walmart, Kroger and Costco. For those unable to go in person, a mail-order option is available, too.

The program works a little differently for patients with commercial insurance. Some insurance plans already cover Paxlovid without a co-pay. Anyone who is told there will be a charge should sign up for Paxcess, which would further bring down their co-pay and might even cover the entire cost.

Several readers have attested that Paxcess’s process was fast and seamless. I was also glad to learn that there is basically no limit to the number of times someone could use it. A person who contracts the coronavirus three times in a year could access Paxlovid free or at low cost each time.

Unfortunately, readers informed me of one major glitch: Though the Paxcess voucher is honored when presented, some pharmacies are not offering the program proactively. As a result, many patients are still being charged high co-pays even if they could have gotten the medication at no cost.

This is incredibly frustrating. However, after interviewing multiple people involved in the process, including representatives of major pharmacy chains and Biden administration officials, I believe everyone is sincere in trying to make things right. As we saw in the early days of the coronavirus vaccine rollout, it’s hard to get a new program off the ground. Policies that look good on paper run into multiple barriers during implementation.

Those involved are actively identifying and addressing these problems. For instance, a Walgreens representative explained to me that in addition to educating pharmacists and pharmacy techs about the program, the company learned it also had to make system changes to account for a different workflow. Normally, when pharmacists process a prescription, they inform patients of the co-pay and dispense the medication. But with Paxlovid, the system needs to stop them if there is a co-pay, so they can prompt patients to sign up for Paxcess.

Here is where patients and consumers must take a proactive role. That might not feel fair; after all, if someone is ill, people expect that the system will work to help them. But that’s not our reality. While pharmacies work to fix their system glitches, patients need to be their own best advocates. That means signing up for Paxcess as soon as they receive a Paxlovid prescription and helping spread the word so that others can get the antiviral at little or no cost, too.

{source}

[medicinemane]

.

[keirawantstocry]

mom is VERRRRYYYY upset

[cleromanticon]

I’ve reached the gallows humor/red flag event horizon of my depression.

[enchantededition]

Strategic Insurance Choices: Unlock Financial Freedom Now

Hey there! Have you ever considered how strategic insurance choices can help you protect your finances and loved ones? Explore this idea and see why insurance is essential to your financial plan. Insurance provides a safety net during unexpected events and can be critical to your financial strategy. This guide will help you understand and evaluate the types of insurance you need and how to…