First time I left my spouse and cat alone, my cat trapped them in the bathroom.
First time I left my spouse and cat alone, my cat trapped them in the bathroom.
I don’t know the actual answer. My theory is it’s this confusing so it’s hard for the general population to catch the mistakes. This allows insurance companies get out of paying as much as they’re supposed to. And hospitals don’t really care who does the paying, as long as they get paid
All very valid points and part of why American health insurance is such a joke
I had an incident recently where my spouse had to go to the ER because of a life threatening incident. One of those fix it right now or they might die things. (They’re fine now, thank goodness.)
We went to an in-network hospital and all doctors were also in-network. However the one who actually did the life-saving procedure was a specialist. Under our insurance plan seeing a specialist requires a referral, which of course we didn’t have time to get. So insurance tried to nope out of that doctor’s entire bill.
You need to know both your deductible and out of pocket maximum numbers. You’ve said your deductible is $1500. For the sake of this example let’s say your out of pocket max (OOP from now on) is $2500.
For simplicity, we’ll go with your insurance’s negotiated rate for the procedure is $1000*. Meaning at the end of the day you and your insurance combined will pay the hospital $1000.
Basically any bills up to $1500 for the year you pay 100%. Between $1500 and $2500 (or your OOP), insurance pays 50% and you pay 50%. Over $2500 insurance pays 100%.
Some examples to illustrate:
That cat does kind of look like Nermal
You betcha
And then you go put more peanuts out, I assume
The focus on both their faces is amazing
Fiddlehead ferns. But also the old standby cucumbers.
Thanks for asking this, I’ve got some new picking to try!
I went to a thing at my kid’s school tonight, and I made myself come up with a list of “small talk” things I could talk about with the other parents. For this exact reason
I know you probably already give her lots, but give her even more neck scritches for me please
For bills that are due on a regular basis but not monthly (car registration, oil changes, pet’s annual check up, HVAC check ups if you own a home, etc) - figure out how much each costs per year, add them all up, divide by 12, and set up an auto-transfer to a savings account for that amount every month. Don’t forget to include that amount in your monthly budget too.
I will look into those. Thank you for taking the time to type it all up, kind stranger
I believe this is the recipe
This is a really good idea. What program did you use to convert them?
Don’t get fooled into thinking they are stuck.
And they will be very annoyed if you “rescue” them
Edit: Added quote to make it clear. Although lots of things you do will annoy your cat
When mine was young I only gave him dry food. Then he developed kidney disease (CKD) 4 years ago. It and diabetes are fairly common in older cats.
Now he gets dry food plus wet food in the morning and evening - 1/2 of a little can or 1/4 of a bigger can at each feeding. The dry food and wet food are in separate bowls. That plus finding a water fountain he likes has so far kept his kidney disease from getting any worse.
Next cat I’ll give wet and dry food from the start.
Oh Bob’s Burgers is an awesome idea. Adding that to my rotation
Mostly dramas: Bones, House, Criminal Minds, NCIS. Plus Stargate SG-1
$0.13213 per kWh plus a $0.58915 per day “customer charge”