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Mooseykins posted:My tv doesn't work anymore. We're having a 3-day weekend here and it's killing me. Did a job for a friend on Saturday but i'm bored as gently caress. Get yourself a project car or seven.
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May 25, 2015 23:30
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I rode a 85km sportive today, and opened waaaay to hard. My brain just goes into a certain mode when i get a number on my back. I just wish my brain would remember i am a fat rear end cancer patient some times. https://www.strava.com/activities/311425761 The showerbeer i had was oh so good
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May 25, 2015 23:46
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Wrar posted:When I was in Europe last year I was surprised at the number of people who smoke, especially younger people. Europe is much more progressive and logical about this  wait gently caress. No they aren't.Smoking rates and (surprise!) Emissions standards are two areas where we actually beat europe, in some cases by a huge margin. For all their smuggery about co2 and and emissions in general, our car emissions standards are actually more stringent than most euro zone ones, at least as of a few years ago. I was watching a bosch presentation on it and they were saying they basically just design to the US standard because they know it will pass the euro standards. Also smoking is incredibly disgusting and I am glad it is (mostly) on the wane here in the states. At least it isn't chewing tobacco I guess? Turns out we are #51 on the list by cigarettes smoked per capita (france is actually lower, here) and #28 tied with Sweden by percentage of the population which smokes.
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May 26, 2015 00:05
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Welp, scooter dude didn't answer my call this morning so we saddled up and went to IKEA for new shelves/tv stand stuff. He finally messaged me at 3pm saying he'd drank a poo poo ton last night and just woke up. I told him I wasn't gonna be back until almost 9 (just got home) so we're gonna try for Wednesday.
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May 26, 2015 01:49
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kastein posted:Also smoking is incredibly disgusting and I am glad it is (mostly) on the wane here in the states. At least it isn't chewing tobacco I guess? If you want to be depressed go watch the Last Week Tonight episode about tobacco, they don't need us to smoke anymore when they can just outspend entire governments to get favorable legislation.
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May 26, 2015 01:54
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88h88 posted:So out of that hilariously ridiculous $35k, how much would you actually have to pay? This is purely speculation, as each charge has it's own "acceptable" billing rate and it probably varies between insurance companies, but I got a hospital bill that came to $23k. The insurance dropped it to about $4500 and then pays 80% after my deductible. I believe I had a $500 deductible at the time, some of which had already been met that year, so the insurance paid about $3k and I paid my max out of pocket for the year which was $1500. This was about 4 years ago, and of course the deductible and max out of pocket varies year to year, but based on that I would say that $35k would get dropped to around $5-6k, which they would then pay the 80% after deductible which is now $800 (up to my max out of pocket which is higher now at $2500). So in theory my bill would cap out at $3300 if I hadn't met any of my deductible, because if I remember right the deductible and max out of pocket are two separate bits. Of course in this case, that bill probably doesn't include all the out of network doctors, which will each have to be fought with individually to drop their bills to a reasonable rate. Sort of related, there was quite a bit of talk about changing the laws so that if someone goes to a 'in network' facility, then all doctors have to be billed as in-network through the hospital, but I haven't kept up on that, and I don't remember if that was a state or national level thing, but the whole 'out of network' doctors working at a 'in network' hospital (especially in an ER) and billing that was is pretty hosed up, since patients going to an ER can't research the individual doctors that the hospital has care for them.
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May 26, 2015 01:59
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88h88 posted:So out of that hilariously ridiculous $35k, how much would you actually have to pay? Looked up my coverage out of curiosity since I couldn't remember how hospitals were handled on this plan. For any kind of hospital visit I would pay the first $400 (my yearly deductible) and then 20% of any costs after $400 up to a maximum out of pocket for the year of $2000. If it was not in the insurance companies network then I would be on the hook for the full amount. I had a better plan last year which didn't have the ridiculous out of network restriction but it got replaced with this one. There is another plan I could have selected that handles hospitals and networks better but any routine things require 20% out of pocket up to the yearly deductible whereas this one I either pay nothing or a $20 or $40 (specialist) co-pay. So if I only go to the doctor for a routine checkup then this plan is cheaper but since I haven't been to a doctor in like 5 years I should probably switch to the one that covers emergencies better. e: I pay $70/mo for my plan with my employer paying who knows how much. If I had to get the same coverage through the insurance marketplace then I think it would cost me at least $250/month. Galler fucked around with this message at 02:35 on May 26, 2015 |
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May 26, 2015 02:32
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Ineptus Mechanicus posted:If you want to be depressed go watch the Last Week Tonight episode about tobacco, they don't need us to smoke anymore when they can just outspend entire governments to get favorable legislation. It's a miracle that the smoking lobby got ignored here and we got plain packaging. And yes, the amount of a stink they kicked up - and still are - shows that it works. Basically now cigarettes for sale can not be displayed in any way - they are behind a shutter - they can not be sold in supermarkets, all packaging must be uniform green with no branding but with at least 25% warning graphics, no sales to under 18's. Oh and huge taxation. And THEN there's the no smoking near food outlets or pubs, smoking near doorways is now prohibited so people like me don't have to run the gauntlet of foulness, no smoking anywhere near public transport or train platforms... I'm all for it and more. Make it a PITA to smoke, tax the poo poo out of it, dont give these fuckwits that manufacture any hint of ability to advertise in any way shape or form and also it's become politically toxic to accept any lobbying or money from cigarette companies or lobby groups. Smoking isnt goign to be banned, but I think the whole tax and regulate is the best way to reduce smoking rates and hopefully one day we go.... where's all the smokers? and realize no one smokes anymore. I only know one person who smokes anymore, even at work. I wouldnt be surprised the cigarette companies are giving up on Australia anyway, there's bigger and more open markets to poison with politicians more open to bribery.
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May 26, 2015 02:45
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So a good buddy of mine thought he could try to make an offensive joke about my ex getting plowed by a literal train of guys at rehab yesterday, and was unable to believe that someone who laughs off everything ad jokes about everything like me actually had a line to cross. Today I worked ten hours straight, he told me to come over and I said no, he said I was a bitch, and I didn't reply. Like an hour goes by and he messaged me again saying he actually needs a friend right now because he's depressed because he just found out his ex was doing heroine and I snapped and said man if I was really an rear end in a top hat I'd say something about the train of dudes she's being banged by for her heroine but I wont. And then he still wanted me to come out and I get that people make mistakes and say poo poo they regret but guess what buddy I think you get to handle this one alone tonight
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May 26, 2015 03:05
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gently caress toxic friends, they're not really there for you, just for what you can give for them, and as soon as you dig your heels in and demand some equity they throw you under the loving bus or flat out turn violent because you're no longer kowtowing to their whims. I learned that one the hard way. Also gently caress anyone who refuses to apologize when confronted and accuse you of having thin skin, that's the surest sign of a piece of poo poo right there.
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May 26, 2015 03:09
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Honestly this is the first and only incident of its kind in the entire 2 years I've known him, and has been rock solid the entire rest of the time. Which is why I gave him the decency of explaining that while I understand people gently caress up, I'm not exactly in the mood to be a shoulder to cry on right now. Everyone gets one get out of jail free card, and honestly it's only because of his track record that he's getting one right now.
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May 26, 2015 03:16
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The Locator posted:Insurance will change that to somewhere around 10-20% at most of that bill. The billing system here is just stupid, they bill 10x the allowable rate which the insurance reduces to an 'allowed' rate, but if you don't have insurance you have to fight them to reduce it to a reasonable charge. 10%? In my experience with Blue Cross, it'll be more like 50%, and only for the portion they cover. And if it's anything like every other claim I've had with them, they'll fight tooth and nail for over 6 months before they pay a penny (I had to file a complaint with the Texas Dept of Insurance to get my last hospital bill paid, the only silver lining is they fined BCBS almost $10,000 for refusing to pay). Almost nobody that actually saw me there accepts my insurance (the hospital itself does). So I'm going to be on the hook for almost all of the ancillary charges - EKGs, doctors, etc. The only thing that will get reduced are the room charges and lab charges, and I'll still be on the hook for 20% of the negotiated amount. I'll probably run up to the hospital tomorrow and get an itemized statement. Galler posted:Looked up my coverage out of curiosity since I couldn't remember how hospitals were handled on this plan. For any kind of hospital visit I would pay the first $400 (my yearly deductible) and then 20% of any costs after $400 up to a maximum out of pocket for the year of $2000. If it was not in the insurance companies network then I would be on the hook for the full amount. My deductible is actually $0, with a $500 max out of pocket. But the max out of pocket doesn't apply to coinsurance (which is 20% + $500 for an ER visit, though it's supposed to be waived if I'm admitted). I did have an ER visit get negotiated down to $300, and I was able to pay that off in about 8 months. The only out of network coverage I have is for the emergency room doctor (same 20% + $500). Treating doctors, if I get admitted to the hospital, are not covered if out of network. My doctor and specialist copays are the same as yours.. Last year my doctor kept billing me the copay long after I'd reached my out of pocket, and refused to stop. I managed to get the insurance company to send me a refund, at least. I should see my new doctor sometime next week. (also, I pay $65/mo, though if I didn't have a subsidy, it would be about $250... it's a HMO through the marketplace) The Locator posted:Of course in this case, that bill probably doesn't include all the out of network doctors, which will each have to be fought with individually to drop their bills to a reasonable rate. I never heard anything about the in/out of network billing you mention, so it was probably a state level thing for you. It would make too much sense in Texas, where our legislators don't care about anything except protecting big business, gutting education spending (we now spend one of the lowest amounts per student in the US, and it shows), making sure gays can't marry or even be added to city non-discrimination ordinances (several cities have passed such ordinances protecting the evil gays), passing laws making it illegal to get an abortion even if a woman is raped, and accepting bribes. Oh yeah, and passing laws making it legal to carry guns on college campuses (that one will likely get signed into law in a couple of weeks). Texas is supposed to be anti-big government, but the state is trying to strip cities of their rights to pass a lot of their own local laws. Cat Terrist posted:It's a miracle that the smoking lobby got ignored here and we got plain packaging. And yes, the amount of a stink they kicked up - and still are - shows that it works. Basically now cigarettes for sale can not be displayed in any way - they are behind a shutter - they can not be sold in supermarkets, all packaging must be uniform green with no branding but with at least 25% warning graphics, no sales to under 18's. Oh and huge taxation. Everyone here is moving to e-cigs, and they think "it's just vapor, so I can smoke indoors". A lot of cities (at least in TX) have banned smoking indoors, and they're starting to get on the "no vaping indoors" bandwagon too. No smoking within 50 ft of doorways, but people still do it. Some pubs still allow smoking, but it's a city by city ruling, and if they do allow smoking, at least 51% of their sales must come from alcohol. There's one nearby city that hasn't banned smoking in public places; one of my formerly favorite diners moved their smoking section to the front, so you have to walk through it to get to the non-smoking section. A pack of cigarettes ranges from $4-8 in TX, and the cigarette makers are more than happy to send you an assload of coupons. I somehow wound up on Camel's mailing list recently (I quit smoking over 10 years ago), and manage to get 8-12 coupons a month, generally for $1.50 off per pack. Almost everyone I know smokes, so I just give the coupons to them. A couple of people have learned not to light up in my car. As soon as I see them pulling out a cigarette (or even  ) I ask what the gently caress they think they're doing, if they don't put it away immediately I slam on the brakes and tell them to  . Then they bitch about breaking their cigarette when I hit the brakes, and I bitch that I don't want my car smelling like smoke. gently caress knows it smells bad enough from pizza. If they at least have the courtesy to ask "can I smoke?", I just say "no".
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May 26, 2015 04:18
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In three weeks the girlfriend and I are looking to go down to Pensacola for a week on vacation. Mainly because she wanted a beach vacation and I wanted to see the Museum of Naval Aviation for the first time since I was 10 or so. We're also planning on checking out the Gulf Breeze zoo while we're in the area. What else is there to do in the area? I'm pretty content with chilling on the beach but the more options we have the better.
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May 26, 2015 04:23
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quote:Almost nobody that actually saw me there accepts my insurance (the hospital itself does). ....What? Can someone explain this to me? HOW can you have selective acceptance of insurance?!?!?
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May 26, 2015 04:29
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Super Aggro Crag posted:Lame. I was also just freaking out cuz as soon as I catch up on bills I gotta drop $450 on the car and am broke again. Its also a car that every 20-30 year old gets and beats on it. So if you're crying about spending 450 on your car, you are really not ready to own one.  if its a super sport/high powered car and you haven't owned it since it was brand new - be ready to pay to play. Especially a cheaper powerful car. You might get lucky, but its really playing Russian roulette.
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May 26, 2015 04:32
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Cat Terrist posted:....What? Can someone explain this to me? HOW can you have selective acceptance of insurance?!?!? Certain Hospitals are in certain 'Networks' AKA: Capitalism isn't great for healthcare.
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May 26, 2015 04:32
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CommieGIR posted:Certain Hospitals are in certain 'Networks' You keep your government hands of medicare and other old white ignorant white people sayings. 
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May 26, 2015 04:35
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http://kotaku.com/the-vehicles-of-mad-max-fury-road-in-shiny-lego-form-1706740949
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May 26, 2015 04:50
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IOC we really need to get a Fury Road gangtag for AI WITNESS ME
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May 26, 2015 04:50
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Crosspost from the OSHA/Terrible Car Stuff thread as it seems to fit in with absolutely crazy vehicle Mad Max chat. https://www.youtube.com/watch?v=YLZNwxFtNhk
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May 26, 2015 04:56
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gently caress, this whole in network / out network seems like a huge streaming pile of poo poo. Who the gently caress came up with that mess? God drat you guys need socialized healthcare, it's da bombtm Even if the expenses get down to something borderline reasonable, it's atrocious what kind of hoops you have to jump through. Ugh, having that huge financial burden right after having urgent medical care just doesn't sit right with me. I wish I'd never have to choose whether to get care because of the financial consequences.
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May 26, 2015 05:02
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So if anyone needs any rain... come get it. Seriously. This is getting old. My county is apparently a "state of disaster" now? BrokenKnucklez posted:You keep your government hands of medicare and other old white ignorant white people sayings. Irony: medicare was invented by liberals (President Lyndon B. Johnson signed it into law in 1965, and it was passed by a Democrat-controlled Congress). Don't you dare tell that to the olds though, they'll shout you down like Bill O'Reilly. Bajaha posted:gently caress, this whole in network / out network seems like a huge streaming pile of poo poo. Who the gently caress came up with that mess? God drat you guys need socialized healthcare, it's da bombtm I couldn't even afford a regular doctor's visit for about 4 years. Hell even with insurance I can barely afford it, as my doctor won't see me if I haven't made my insurance payment for the month (even though there's supposed to be a 90 day grace period) - and there's been months where I can't make the payment.  Double edged sword though. Now that I do get regular medical care, I have to put up with this bullshit:  That's on top of the over the counter stuff I take (vitamins, allergy, asprin). I swear I rattle like a pill bottle when I walk now. e: May Chat Thread: How lovely is YOUR medical insurance? e: VVVVV The only time my plan pays for anything out of network is if it's an emergency room doctor. randomidiot fucked around with this message at 05:12 on May 26, 2015 |
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May 26, 2015 05:04
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Cat Terrist posted:....What? Can someone explain this to me? HOW can you have selective acceptance of insurance?!?!? Basically, as far as I understand it, an insurance company will negotiate with a doctor's office or group of doctors to set prices for various procedures. So anytime a Galler fucked around with this message at 05:10 on May 26, 2015 |
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May 26, 2015 05:07
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Ikea run = successful. 
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May 26, 2015 05:11
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No chrome
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May 26, 2015 05:14
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Baller Witness Bro posted:Crosspost from the OSHA/Terrible Car Stuff thread as it seems to fit in with absolutely crazy vehicle Mad Max chat. How the gently caress did they get the truck turned on the pier? Talk about a pucker moment 
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May 26, 2015 05:44
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Galler posted:Basically, as far as I understand it, an insurance company will negotiate with a doctor's office or group of doctors to set prices for various procedures. So anytime a And people honestly defend this hosed up system? Gimme socialism over that poo poo anyday
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May 26, 2015 05:53
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Cat Terrist posted:And people honestly defend this hosed up system? Gimme socialism over that poo poo anyday Basically, any time any politician proposes something in the social welfare area that seems like what they do in America, you should treat them like a criminal and send them to
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May 26, 2015 06:02
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Cat Terrist posted:And people honestly defend this hosed up system? Gimme socialism over that poo poo anyday But Communism.
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May 26, 2015 06:19
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Surprise twist ending https://m.youtube.com/watch?v=YLZNwxFtNhk
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May 26, 2015 06:36
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blk posted:Surprise twist ending Yes, that was the least likely possibility.
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May 26, 2015 07:11
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some texas redneck posted:e: May Chat Thread: How lovely is YOUR medical insurance? Even though I have insurance through work, my long (and short)-term healthcare plans still boil down to 'don't get sick, don't go to the doctor.' I'm willing to bet this is most Americans' plan as well, even after the """"reform.""""
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May 26, 2015 07:45
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What was the point of that movie. Uhhhhh what are you guys smoking? Inhaling chrome?
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May 26, 2015 08:37
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Cat Terrist posted:And people honestly defend this hosed up system? Gimme socialism over that poo poo anyday Upthread dude says he pays $70 on insurance, I pay something like $200 in national insurance contributions out of my wages every month but it disappears before I actually have it paid to me. I'm assuming Oz has similar if not the same? I'm happy to pay more if only to completely avoid a loving bill for $35k coming through my door for a few night's stay in a hospital. I love that I'm able to break a foot mountainbiking, go to the hospital and sit down to see someone, get checked over by a doctor, get an x-ray, get strapped up and then leave without having to deal with anything other than giving my name... Zero stress. America seems to hate the people that live there. How on earth did you even end up with such a lovely system??
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May 26, 2015 09:06
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35 loving thousand dollars!?!? What in the holy gently caress is wrong with your country? Aren't you supposed to be a superpower? I knew the american healthcare system was hosed up, corrupt, exploitative, and expensive but holy poo poo to charge a dude 35 grand for nearly having a heart attack is the next level of "hosed up poo poo"
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May 26, 2015 09:18
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How about a million dollar baby? http://www.today.com/parents/canadian-mom-who-gives-birth-hawaii-gets-near-1-million-1D80302220 Canadian baby spends 6 weeks in an American hospital after a premature birth while parents were on vacation, coverage denied due to "pre-existing condition", parents get a bill for $900k. That works out to about $21,000 every day.
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May 26, 2015 09:35
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I had a crazy rear end Fury Road dream last night. Gotta see that movie again.
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May 26, 2015 09:59
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Rewatched Fury Road at the weekend. They had one of the cars at London comicon this past weekend, will upload pictures when I get home.
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May 26, 2015 11:12
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CharlesM posted:What was the point of that movie. Uhhhhh what are you guys smoking? Inhaling chrome? A group of people escape someplace they don't like to go somewhere else. They get there and don't like it. They go back. That's the full plot. The action is pretty damned cool, though.
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May 26, 2015 11:28
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EVERYWHERE 
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CharlesM posted:What was the point of that movie. Uhhhhh what are you guys smoking? Inhaling chrome?  I'm going to see it again today, my cousin hasn't seen it yet so that's as good an excuse as I need. Terrible Robot fucked around with this message at 11:47 on May 26, 2015 |
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May 26, 2015 11:43
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