#no cost coverage
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New: The right-wing Supreme Court majority is now looking to potentially overturn the Affordable Care Act’s policy that makes cancer screenings, heart statins, and HIV prevention free.
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Y’all I called the insurance market place and explained my situation and they actually told me I qualify for free health insurance ??? And I’ll be getting it in three days??? And everything is so much more affordable now ???? ;-; I won’t be doing the go fund me ;w; but I appreciate everyone so much and like ? I’m so shocked ahsjbdkdnf 🙏💖 thank you for the good vibes now I can check my brain without worrying too much about the cost yipee ✨🦅💖
#pix habla#actually so relieved I’m gonna fall asleep on my face 😭 that’s insane#the lady also told me my workplace was crazy for doing the full out of pocket cost and no option to end the coverage nonsense#💀 still should report them once I’m better#>> dude whattttt#in the worlllllddddd#just sharing the good news ;;#I’m so happy rn#and still shocked forever#it feels like everyone is too nice out of nowhere#the world is so weird rn but in a strangely suspicious good way#-evaporates-
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yooo i just found out that medicare partially covers top surgery now!! not very much mind you but still much better than nothing
#started mid this year and covers about 1.5k AUD of the cost? which yeah isnt much unfortunately of the total cost lol#but its still much much better than nothing. and hopefully a step toward further coverage#so thats good for anyone who needs top surgery including breat cancer patients and trans people! yay!#oscar.exe
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So my car just got crushed by a fucking tree.
#no it’s not paid off#yes I have full coverage#no I don’t know what it’ll end up costing#no im not okay#roan rambles#cw fucked up stuff keeps happening to me#cw vent
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If i don’t get an update soon on my god damn top surgery insurance negotiation im going to lose my fucking mind
#it’s been just. a fucking absurd amount of time#mostly not their fault in that my dad fucked everything up last year by dropping me from his insurance without prior notification#and i had to go through authorization + LOA negotiations all over again with my new plan once i FINALLY got said plan#and now im at that LOA part again which is almost entirely out of my hands (negotiation of coverage between the clinic and my insurance#cause the clinic is out of network and blah blah blah)#so I don’t really know what’s going on and I just have to wait indefinitely until they contact me. it’s been 3 weeks since I last messaged#them begging for an update. it’s been much longer than that since the LOA thing started#funny that this is Still preferable to if I went with the in-network location I was originally referred to. which I called in January 2024#just to be told the soonest CONSULTATION appointment would be in late January of 2026#again just for the consultation. god knows when the actual surgery would be#so. all things considered I think i chose the best option I could here but ghrgsggsgghh im still losing my mind#I hate having no timeline and no idea what’s going on and I just have to wait and pray#I can’t even start planning or anything re: money + booking a hotel + etc#beyond like. just generally saving money. which I certainly have been trying to (with moderate success)#actually pretty decent success if things keep going the way they currently are + I get my financial aid money throughout the year#does not help though that I have literally no decent point of reference for what my insurance might have me pay out of pocket#like taking a shot in the dark (+ some reddit posts that Might apply)….maybe 4-7K out of pocket?#but I don’t know man. I really do not know#im just hoping going through all this is worthwhile and I don’t waste all this time just to be given an estimate that’s not even that#different from the totally out of pocket cost#at least I have like three different ways of getting massive hotel discounts that’s a godsend#sigh#kibumblabs
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AaHHHHGHHH got some mail today that i forgot i was waiting on from the local health sugar to help me with my blood sugar stuff
And they fucking just.. assigned me an appointment date with no input from me so of course it's in the middle of a fucking work day and i have no time off left to spend on yaking the day off, and it's late enough in the morning that i can't reaaaally scootch my schedule down..
And like maybe i could find a way to finagle a sick day in there but Apparently
I need Literally All Of Those those to cover my first week off after surgery
Because insurance through work comes in a week After you start your leave, because that's when they approve it (this whole coverage thing is making me so steaming boiling mad regardless, this is just shiny deep red cherry on top of the fucking cake i sweaR TO G O D)
So I don't really want to Do that and loose more pay somewhere else
So now I don't know what to fucking do because i Work when the Doctors Offices are Open (just like.. all of them. In general.) so i can't really reschedule, but cancelling may be a bad idea because i probably won't get to go back until after surgery, if i don't have to go back through the application process to see this doctor anyway.
I'm going to start throwing things and having a breakdown I try to actually start looking after my health and I end up in this situation it's disgusting i'm so pissed off.
#monster noises#it's unconscionable to me that i have to use my Vacation Hours.#my hours for VACATION#to attend doctors appoints without loosing pay.#that is cruel and unfair.#it is Also cruel and unfair that my health coverage won't kick in until the first week after my surgery.#and that it will only cover Half of my regualr pay.#as if the mere act of needing recovery time makes everything Magical Cost Less#so if you see me really start promoting my kofi soon you'll know why#2024 fucked me Up Financially.#i had a big loss early in the year when i had to grocery shop twice on the same paycheck#because of the pre-diabetes business#and with the government stealing my taxes for the past two years because they made a fucking mistake i had no extra little boosts#helping me keep up my buffer#so it's just gotten worse and worse and i've had to dip into my saving buffer i think every month since september#to get through the end of the month#which is just the Best position to be in to go off work for six weeks#but i'm Not postponing surgery#i'll just have to grit my teeth and muddle through#still No clue what to do about this appointment though like Fuck
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MotherFUCK-
#insurance is due and I want to go postal#hi hey you have to pay lots of money to us right now on the small chance you might maybe wreck your car in the next 6 months#and you have to pay even tho you've never wrecked your car!#AND if you DO wreck your car we'll charge you even more money to cover the cost!#even though you've been paying us for this “coverage” for 15 years and never used it!#you've been giving us free money and we'll want more if you dare need it!#also we might sue you for what we pay in an accident because even tho you've paid us for 15 years we don't actually want to use THAT money!#we always want more!
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y'all my insurance company might cover more of the cost of top surgery now than the last time i tried to get them to do it and also i found a surgeon who is really covid aware and has installed a ton of hepa filters and requires masks and doesn't allow extra ppl inside so i'm. gonna try again.
#text#if they reject me again i will simply lay in the floor for a week straight and cry#i saw someone say on reddit they got 80% coverage for theirs and found an org that helps poor ppl in my state with remaining costs#please please please holy fuck please
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I am THIS 🤏 CLOSE to finding an insurance exec and arranging his meeting with god
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Every post you make about health care in the US makes me so glad that I don't live there. I recently had a medical emergency that required major surgery, a heap of drugs, a two week stay in the hospital, physio, and that's not to mention the many follow up visits at the hospital, home care nurses for dressing changes, and another major surgery in the not too distant future. I've probably paid less than $200 (prescriptions, medical supplies, postage to get it to my house etc) since I left the hospital. It literally boggles the mind that over there people would have problems getting treated/paying bills for such an essential life saving service.
I'm happy you can appreciate what you have with how I speak about our healthcare system here in the USA. Insurance here is such a scam and it's ridiculous that people are able to make millions working at a insurance company meanwhile its a struggle for insurance to pay for anything
#and about the hiv meds issue#first people shouldnt have to fight to get necessary meds#2nd its stupid to not cover hiv meds... cause in the long run itll cost more to take care of complications with untreated hiv#but knowing how insurance works here theyll most likely find a way to drop that patient so the insurance doesnt have to pay for him#like insurance will be like we charge a ridiculous amount for coverage but god forbid you use it well find ways to drop you#cause god forbid you use the insurance that youve been paying for#askvix#nonny#i hate it here
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why. why does it take a masters to become a librarian. my bachelors is LITERALLY 90% of what the #1 program in the states is. so like let me pick up the 10% on the way i just want to be Happy
#i would also take like. working for a publisher. or b&n. or literally anything to do w books#im so tired. job search has me feelin. atrocious#like dear fucking god why are my options “help us get better at killing people/taking away healthcare coverage/making money for the 1%”#or starve?? like. love the nonprofits. cant afford to live in nyc on 40k a year. sorry#and theyll be like “must live in city limits” girl then pay me enough to do that???????#i get it. money is tuff for doing good things. but also like u cannot honestly think that anyone can live in nyc on 40k/year#the average wage for my degree out of college is like. 70k. maybe 80???#i cant take half of that to live somewhere w an insane cost of living#i have student loans!!! and i have to EAT
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has anyone in the US had to pay a "facility fee" for telehealth and did you find a way to get them to remove it from the bill
#i owe nearly $400 for psychiatry visits for an IN NETWORK PROVIDER and i have telehealth coverage but she works in a hospital#so in addition to the regular cost they charge a facility fee#that my insurance doesn't fucking cover#and i asked them if i would still owe that fee if i had the appointments in person#and they said yes#even though i've been to that hospital for in person treatment for all kinds of things#and never once gotten this fee before#it's fucking RIDICULOUS i'm so mad
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why is insurance so fucking confusing for no fucking reason
#<3 i hate the us healthcare system <3#please just tell me what % of cost you cover for crowns <3 asshole <3#also like. pretty sure just in general it should be covering more of the cost of these procedures???#bc i specifically opted into the higher $$ coverage plan bc i KNOW i have bad teeth#and from looking at my year to date summary there's NO way i've hit that max yet#dental insurance is a fucking scam jesus christ#illogical rambles
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debating whether or not I can actually do ghiralink week hahaha
#dying inside#I mean. my exams are finished tomorrow and maybe that's just what's making me stressed#but also I have to prep for moving into my first real apartment (where I have to pay real monthly rent and utilities)#(as opposed to semester costs that cover everything in two payments no matter how much utilities you use)#and like after may 16 I don't have a job so. I can't get one until I actually move and get back from field school#and the school is supposed to contact me if I get aid or an assistantship with a stipend and tuition coverage but uhhh they have not#and I only have a few weeks before I leave for field school to do this because technically the lease starts before I get back
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I’ve got my tumblr inbox turned off so I really have to commend the person who actually emailed me to let me know they don’t like the things I’ve posted about the UnitedHealth CEO being murdered on their commitment to their beliefs.
But seen as how you emailed me from a dud email that appears to be bouncing back replies and I really wanted to address something you said to me about violence begetting violence:
My migraine medication, the medication I was given for my debilitating neurological disease that has gotten so bad I spent most of this year actively suicidal, costs $1300 a month.
My insurance covered it. But only because my doctors office went to fucking war for me because I’m a high anaphylaxis risk for the drugs the insurance wanted me to try.
Because that’s the thing.
My doctors knew, based on my documented medical history, I likely wouldn’t be a good fit for the “first line” of preventative migraine drugs, but because of insurance, I had to be given drugs that were contradictory to my other life threatening conditions, because otherwise insurance wouldn’t cover anything else.
I failed them. Spectacularly and with an anaphylactic reaction to one of them. And I was still warned insurance would fight me because I hadn’t tried the remaining drug they wanted me to try.
A drug which I would have to take in an ER waiting room because my mast cell disease is unpredictable but insurance wouldn’t cover in-patient treatment to let me try it safely under medical supervision.
Is that not violence?
Were all the times I was denied coverage for vital and necessary procedures that could have prevented my disabilities from worsening not violence?
Maybe not in the sense you mean. But I assure you it felt very much like violence to me.
Do I condone murder? No, obviously. But I’m also sick and tired of people pretending that what is happening to the American people every day isn’t eugenics through class warfare.
Violence begets violence.
It sure fucking does.
Maybe these insurance companies should have thought of that first.
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How Much Is Therapy With Insurance: Cost Guide 2025
Are you curious about the cost of therapy in 2025 and if your insurance will cover it? Figuring out the cost of mental health services can seem overwhelming. But, you’re not alone in looking for answers. More and more people are seeing the value of mental health treatment. Yet, many are still unsure about the cost of therapy with insurance. The price can change a lot based on your insurance, the…
#Behavioral health services#Copayments#Health Insurance Costs#Insurance Coverage#Mental Health Benefits#Mental Health Costs#Therapy Expenses#Therapy Sessions
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