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Did you roll your negative appendequity into a replacement organ?
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Oct 28, 2015 03:30
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SpelledBackwards posted:Did you roll your negative appendequity into a replacement organ? Maybe use his appendequity as a down payment on that 3rd nipple. Also, watch out for balance billing. Since it was an urgent procedure, not all of the people involved may have been in-network and he might get billed directly by a doctor or specialist. He probably isn't responsible for those charges, but that's never stopped them from sending bills.
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Oct 28, 2015 03:48
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Virigoth posted:You can get a copy of your surgery report with a detailed listing of charges. Make sure there is no bullshit in it and contest it if there is. I would also suggest talking with the hospital about a payment plan with them if you end up being short on the total amount. They will work with you so don't let it go unpaid and end up in collections. Also depending on how broke you are, some hospitals have charity care which uses donations to help cover stuff. My partner's appendectomy + 6 days recovery was completely free. This was before Obamacare so YMMV.
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Oct 28, 2015 04:59
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canyoneer posted:Not like it matters though, because 90% of the value of a degree is the reputation and prestige it provides rather than the actual course content and education. Why anyone would want to pay more to a degree mill and not even get that is Bad With Money.
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Oct 28, 2015 05:57
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SpelledBackwards posted:Did you roll your negative appendequity into a replacement organ? I really do have pretty good insurance and I've received treatment at that hospital before, I believe it is actually in-network. It's the only ER within like 75 miles anyhow so it just had to do. I'm trying not to be worried money-wise cause that wasn't optional and there isn't really a before-hand way of reducing costs. I was more mocking the idea that healthcare is anything at all like any other good- I can assure you my wife and I aren't in the habit of spending thousands of dollars on impulse with no pre-planning. We're thinking about getting a new (to us) car, so we're feeling out the market, seeing what will meet our needs, figuring out how much what we need costs, we'll get insurance quotes, read forums for the car(s) to get a feel for maintenance, and in the meantime cruise craigslist on the daily to see what's out there and how much stuff gets sold for. The funny thing is we did none of that for my surgery- we walked in to the closest (only) hospital, got a bunch of tests run (not at the lab place we're supposed to get them sent to), got a CAT scan, and then the doctor walked in and said "you have early-onset acute appendicitis" the both of us were like "ok, how long till you guys operate". No money discussed, no exploration of options, no waiting for a good deal. We just walked in the door of an establishment and said yes to everything they said I needed without even asking what it cost. Literally nothing like buying a car or a vacation or what have you.
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Oct 28, 2015 17:22
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I'm sure it's fine you didn't ask them about how much it would cost because they probably couldn't have even given you a wild guess. It's cool though bro, supply and demand will fix this right up.
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Oct 28, 2015 18:45
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And this is why "market solutions" for healthcare are a farce. When you're in need of quick medical attention you don't have the luxury of getting price quotes and cross-shopping, not to mention that most clinics and hospitals can't even tell you what poo poo costs until after the fact. What you did is exactly how the system should work, except for the worrying about the bill part at the end. All the other developed nations on Earth have mostly figured it out, yet we are so far behind.
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Oct 28, 2015 18:52
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Guinness posted:And this is why "market solutions" for healthcare are a farce. When you're in need of quick medical attention you don't have the luxury of getting price quotes and cross-shopping, not to mention that most clinics and hospitals can't even tell you what poo poo costs until after the fact. They don't even tell you how much it will cost if you have 9 months to prepare. You would have thought that they could quote a standard baby delivery assuming nothing goes wrong, but noooooo. Just watch them squirm if you even try and pin them to a ballpark figure.
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Oct 28, 2015 19:01
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BarbarianElephant posted:They don't even tell you how much it will cost if you have 9 months to prepare. You would have thought that they could quote a standard baby delivery assuming nothing goes wrong, but noooooo. Just watch them squirm if you even try and pin them to a ballpark figure. There's an understandable reason any hospital staff would hesitate to do even that, and the reason for it is the reason why the money side of healthcare it's hosed.
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Oct 28, 2015 19:18
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NancyPants posted:There's an understandable reason any hospital staff would hesitate to do even that, and the reason for it is the reason why the money side of healthcare it's hosed. The point is that there is a group of people with in our government with major power who SERIOUSLY SAY poo poo like "oh well, you should have shopped around for your care" and act like it actually works that way.
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Oct 28, 2015 20:26
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Tigntink posted:The point is that there is a group of people with in our government with major power who SERIOUSLY SAY poo poo like "oh well, you should have shopped around for your care" and act like it actually works that way. That is basically the reason I stated
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Oct 28, 2015 20:40
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Tigntink posted:The point is that there is a group of people with in our government with major power who SERIOUSLY SAY poo poo like "oh well, you should have shopped around for your care" and act like it actually works that way. I love the idea of Consumer Directed Healthcare Plans, as if there is anything you can do to consciously reduce costs besides avoiding ambulances/the ER.
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Oct 28, 2015 21:15
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That shopping around can materially reduce costs for everything from MRIs to cancer treatment is its own insanity. (There was an NPR story about a service that finds cheaper alternatives for you and gives you cash kickbacks depending on the amount the insurance company saves.)
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Oct 28, 2015 21:20
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Radbot posted:I love the idea of Consumer Directed Healthcare Plans, as if there is anything you can do to consciously reduce costs besides avoiding ambulances/the ER. Consumer Directed Healthcare Plans do have a visible effect on spending. For example, near the end of the calendar year medical expenses go up for people who've been holding off on medical care, passed their out of pocket maximums anyways and decide to go for broke.
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Oct 28, 2015 21:43
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Tomfoolery posted:passed their out of pocket maximums anyways and decide to go for broke. Good With Money, in a Bad With Healthcare society.
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Oct 28, 2015 21:56
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My wife and I have an HDHP and it works out to be much cheaper than the PPO alternative, just because the company she works for deposits $150 into the HSA each month, and the premium is only about $40/ month.
Armacham fucked around with this message at 22:26 on Oct 28, 2015 |
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Oct 28, 2015 22:23
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Armacham posted:My wife and I have an HDHP and it works out to be much cheaper than the PPO alternative, just because the company she works for deposits $150 into the HSA each month, and the premium is only about $40/ month. Yeah, I have a HDHP also, but my company just pays the premiums and I can contribute whatever I want (within the limits) to the HSA. They are a great system for most people, and I wish more employers offered them.
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Oct 28, 2015 22:41
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Post more bad with money.quote:My friend has $324,883 in student loan debt from USC Pharmacy School and UCI BS Biology. https://www.reddit.com/r/personalfinance/comments/3qd6vr/my_friend_has_324883_in_student_loan_debt_from/ quote:One of my best friends made the incredibly poor choice to take out $80,000 in loans from a private lender at an interest rate of 9% for a bachelor's degree in poetry at a private school. https://www.reddit.com/r/personalfinance/comments/3ql04x/i_am_concerned_that_my_best_friend_is_not/ quote:So I got a job at some "travel agency" and even after my scam-alert went off I questioned into them and they gave... very belieavable answers. Like I would get a company-owned account to do the travel fees over and stuff. This would be next month. https://www.reddit.com/r/personalfinance/comments/3qapbx/got_jobscammed_into_sending_wiretransferred_money/
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Oct 28, 2015 22:42
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Uncle Enzo posted:lol A few years ago my mother went to the ER with heart problems and had some work done. Two years later the insurance company tried to charge her 15k because that doctor was out of network but the hospital never discussed that with her. The short of it is that she wrote a slightly threatening letter explaining the situation to them and the insurance company threw the entire thing out. Apparently this kind of thing happens all the time so they didn't bother putting up a fight. It was surprisingly painless to deal with. So depending on your insurance company, if there is a problem it might not be too hard to fight it. Someone from the insurance company even told her what to write in the letter to hit all the buzzwords.
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Oct 28, 2015 23:09
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Sorry but a degree in poetry actually makes me laugh. You don't need a degree to go to poetry readings. Although it does remind me of the head of department for english stating that his department was just teaching people how to read books. I could imagine someone being considered highly qualified with a degree in poetry 50 years ago. Degree inflation has a lot to answer for. https://www.reddit.com/r/personalfinance/comments/3ql04x/i_am_concerned_that_my_best_friend_is_not/cwg3bcc https://www.reddit.com/r/personalfinance/comments/3ql04x/i_am_concerned_that_my_best_friend_is_not/cwg4sg0 I do have a question though are the US student loan interest rates adjusted based on degree? Devian666 fucked around with this message at 23:18 on Oct 28, 2015 |
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Oct 28, 2015 23:14
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Devian666 posted:a degree in poetry 
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Oct 28, 2015 23:24
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Devian666 posted:I do have a question though are the US student loan interest rates adjusted based on degree? lol hell no
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Oct 28, 2015 23:32
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Uncle Enzo posted:lol hell no Adding to this, generally you pay a flat tuition rate regardless of major, it just goes by credit hour (some grad programmes are different, I think). I know in most Commonwealth countries tuition varies by degree, with fields like law and medicine paying more than humanities.
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Oct 28, 2015 23:36
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Devian666 posted:Sorry but a degree in poetry actually makes me laugh. You don't need a degree to go to poetry readings. Although it does remind me of the head of department for english stating that his department was just teaching people how to read books. I could imagine someone being considered highly qualified with a degree in poetry 50 years ago. Degree inflation has a lot to answer for. Yes, to a degree (heh). Grad/business school loans are were double the rate of undergrad loans for a long time (not sure if they still are or not) because of the perception gradschool/biz school was better for your earnings.
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Oct 28, 2015 23:50
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Pompous Rhombus posted:Adding to this, generally you pay a flat tuition rate regardless of major, it just goes by credit hour (some grad programmes are different, I think). I know in most Commonwealth countries tuition varies by degree, with fields like law and medicine paying more than humanities. At my alma mater, full time tuition was the same regardless of how many hours you took.
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Oct 28, 2015 23:51
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Pompous Rhombus posted:Adding to this, generally you pay a flat tuition rate regardless of major, it just goes by credit hour (some grad programmes are different, I think). I know in most Commonwealth countries tuition varies by degree, with fields like law and medicine paying more than humanities. BE (Civil) in structural engineering: 2% BA (Poetry): 39.99% Seems like a good way to set interest rates, and poets would get to truly suffer for their art.
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Oct 28, 2015 23:59
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Devian666 posted:BE (Civil) in structural engineering: 2% Like they don't already?
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Oct 29, 2015 00:20
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Powerlurker posted:At my alma mater, full time tuition was the same regardless of how many hours you took. Haha, did that encourage people to pile on the classes to get done faster/cheaper? I had a stats prof who said he did a Bachelor's in a year and a half (I believe him), I wonder if he had similar motivations.
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Oct 29, 2015 00:23
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Ours was the same. Taking 14 hours or 18 hours didn't affect your tuition. Engineers did pay an extra tuition fee for the privilege of being an engineer though. I only had one semester where I was below 17 hours (but that's because I needed 134 to graduate).
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Oct 29, 2015 00:37
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overdesigned posted:Ours was the same. Taking 14 hours or 18 hours didn't affect your tuition. Engineers did pay an extra tuition fee for the privilege of being an engineer though. I only had one semester where I was below 17 hours (but that's because I needed 134 to graduate). When I started University there was a flat fee but with Government funding changing the fees went up for 5 years. When I left the flat fee structure was barely there with engineering and science costing the most. Arts and Commerce students had the lowest fees. In relation to stacking the papers you could do that but there were regulations on how many years to complete the degree. So stacking papers instead of spreading them out didn't really benefit you and would mean you would end up with no student allowance if you weren't meeting full time requirements.
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Oct 29, 2015 01:19
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Pompous Rhombus posted:Haha, did that encourage people to pile on the classes to get done faster/cheaper? I had a stats prof who said he did a Bachelor's in a year and a half (I believe him), I wonder if he had similar motivations. Yeah lots of people graduated early or got second majors at my school which had this system.
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Oct 29, 2015 02:32
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I know a guy at my school who ended up with 3 majors and a minor in 4.5 years by taking 21+ credits a semester. He was a big burly Russian genius who played tennis while taking swigs out of a liter sized chalice full of vodka. I think he works at CERN now
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Oct 29, 2015 04:41
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Not a Children posted:I know a guy at my school who ended up with 3 majors and a minor in 4.5 years by taking 21+ credits a semester. He was a big burly Russian genius who played tennis while taking swigs out of a liter sized chalice full of vodka. I think he works at CERN now I graduated with a guy that gamed the system and ended up with BSes in EE, CS, Maths, and Comp Eng., plus a Masters in CS.
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Oct 29, 2015 04:58
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I bet the people at their first job gave no shits about those degrees after they saw the 1st one and cleared the hr hurdle. BWM: my neighbor renting a dumpster for something? 3 months and it is still in his driveway empty. Last time I rented a dumpster it was a flat fee plus x dollars every day after the first week until you got it picked up.
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Oct 29, 2015 11:25
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Today I learned that my parents who make like 50k a yr combined and have zero savings and horrible credit bought a brand new CRV. 28k car that they can't afford, and they're going to end up paying 36k for it. Makes me sad and kind of guilty that I wasn't around to talk them out of their horribad decision.
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Oct 29, 2015 12:32
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jarjarbinksfan621 posted:Today I learned that my parents who make like 50k a yr combined and have zero savings and horrible credit bought a brand new CRV. 28k car that they can't afford, and they're going to end up paying 36k for it. Makes me sad and kind of guilty that I wasn't around to talk them out of their horribad decision. Have fun when they start coming to you for money.
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Oct 29, 2015 13:19
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jarjarbinksfan621 posted:Today I learned that my parents who make like 50k a yr combined and have zero savings and horrible credit bought a brand new CRV. 28k car that they can't afford, and they're going to end up paying 36k for it. Makes me sad and kind of guilty that I wasn't around to talk them out of their horribad decision.  Have they ever discussed their plans for the future? Maybe "plans" is too strong of a word..."assessment of what the future holds for them"?
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Oct 29, 2015 13:54
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Krispy Kareem posted:Have fun when they start coming to you for money. They actually tried to help me out and give me their old Accord that has been rock solid reliable for free, as they know I'm in the market for a car. I'd love their Accord, even pay them more than fairly for it, but I couldn't in good conscience take it from them because I don't want to hear them wanting a 2nd car 6 months down the road and now they have 2 huge car notes when they can barely swing 1.
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Oct 29, 2015 13:57
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pig slut lisa posted:
Well, luckily my dad had a good government job as an engineer before he got forced into retirement and has a small pension from that. So he will never be dead broke, but yeah, they will be skimping by for the rest of their life, for sure.
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Oct 29, 2015 14:03
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Hopefully he's close to social security, too. Should be able to get at least a decade of payments before they get reduced.
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Oct 29, 2015 14:13
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