#Right Insurance Policies

[gingergofastboatsmojito]

📣 Attention please! This comes straight from Ayo

[watermelinoe]

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

[supercantaloupe]

two tries on two separate days and i STILL can't get ahold of the new endocrinologist's new patient scheduling assistant argh. hopefully they actually call me back this time. on the bright side i did manage to get through to billing (despite their horrible phone tree and even more horrible connection, it sounded like they were speaking through a frayed wire) and get them to update my insurance information and actually bill my insurance for my recent telehealth visit bc there was no way in hell i was gonna pay their upfront unadjusted cost for a thirty minute zoom call with my pcp without them at least TRYING to ping my insurance first

[cappurrccino]

"oh, thought you were gonna start the day feeling passably decent, did you? WRONG. FATIGUED AND NERVOUS." - my body, probably

[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]

`

[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

[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.

[robot-roadtrip-rants]

Aight, so a suspect has been caught. In the next couple of days we’re going to be bombarded with a cavalcade of information about Luigi Mangione. As we start this period I want everyone to remember:

The killer--whether he is Mangione or another man--is a living, breathing, human being. He has followed people you don’t like, held beliefs you disagree with, and possibly voting for politicians you think suck.

He still shot a man with the blood of millions on his hands. He still caused an outpouring of rage that caused BCBS to roll back its ghoulish anesthesia policy.

Carve that into your fucking minds. Mass media is about to do its damnedest to remind us to hate each other, not the top .001%. Do not let them do this. Y’all understand what I’m saying? Here, lemme spell it out more clearly:

DO NOT FUCKING PURITY TEST THIS GUY, ASSHOLES!!

And if you see people fixating on his purity over the message he sent, call them out on it.

We have lost again and again and again on healthcare because we keep letting the rich divide us. Remember: the people united will never be defeated.

Edit: A couple of people have asked me to not convict Mangione in my post, and they're right. Mangione has been arrested on gun charges, not for the murder, and regardless of the charge he obviously hasn't been convicted yet. It's too soon to lay Brian Thompson on his head. I've modified the post to reflect that.

That said, what I've said here applies to whoever the killer is. As the media circus plays out, a lot of talking heads will be pulling out all stops to remind us to hate each other, not the insurance CEOs. Do not fall for their tricks!

[evitcani-writes]

“It seems like almost all of those people don’t have HIV,” said Jennifer Kates, HIV policy director at KFF, a health-research nonprofit. “If they did, that would be substandard care at a pretty severe level,” she said.

Ya’ll. United Health just got accused of $17 billion in medicare fraud.

Basically they made up diagnosis which are improbable or impossible, “forgot” to remove ones which had been cured, and overall allegedly stole billions from taxpayers.

The government pays insurers a base rate for each Medicare Advantage member. The insurers are entitled to extra money when their patients are diagnosed with certain conditions that are costly to treat.

… About 18,000 Medicare Advantage recipients had insurer-driven diagnoses of HIV, the virus that causes AIDS, but weren’t receiving treatment for the virus from doctors, between 2018 and 2021, the data showed. Each HIV diagnosis generates about $3,000 a year in added payments to insurers.

… He said internal company data for 2022 showed a treatment rate for patients UnitedHealth diagnosed with HIV of more than triple what the Journal found. He said the pandemic disrupted care, lowering treatment rates during the period analyzed by the Journal, and that the analysis failed to account for patients who started treatments in future years.

The Medicare data, however, show UnitedHealth’s patients with insurer-driven HIV diagnoses were on the antiretrovirals at low rates even before the pandemic, and hardly any started the drugs in the years after UnitedHealth diagnosed them.

Source: https://www.wsj.com/health/healthcare/medicare-health-insurance-diagnosis-payments-b4d99a5d

I bet United Health really wishes it was a different week right now.

UPDATE/EDIT: Article is from July. I didn’t notice myself since it came up in my news feed. Don’t always trust the internet to be time accurate. 😎My guess is it is getting promoted due to current events. However, there are some updates concerning actions taken based on the report which you can look into by checking the authors’ other articles.

[trendtracker360writer]

The ACA changed the game for health care in the U.S., making it easier for millions to access affordable coverage. With its focus on preventive care and patient rights, we've seen the uninsured rate drop significantly. But challenges linger—29 million Americans still lack coverage, and disparities in care continue to affect marginalized communities. For real progress, we need to strengthen coverage options, tackle health equity, and invest in preventive measures. The road ahead for health care reform is a marathon, not a sprint, and we have to keep pushing for a system that works for everyone.

Sign Up to the free newsletter here www.investmentrarities.com.

[learn-and-accept]

Starting to build a life with someone after spending years thinking you'd be alone forever is fucking wild

[flammenxci]

> Current electric bill gonna take a hefty chunk out of my finances after payday PLUS the phone and water bill on top of that.

> Looking at next estimated electric bill... yikes.

> Sees provider offers a deferment plan.

> Take that into consideration with how I pay the rest of my bills.

> Yeah I can do that.