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Health Insurance Angst (part 17, probably)

As noted here and on FB, the hub's previous employer had pretty crappy health insurance, for which he paid about $1,100 a year for single coverage. I pay less than that per year for my individual plan (which has far better coverage), but adding him would have cost another $2,100, year. Since he has been to the doctor about three times in our many years of marriage, we had decided when I started my job a little over three years ago, it was not worth the extra $ to put him in on my better plan (J is on it). We were right. :-) Sadly, the hub's new employer's plan makes the last plan seems like the gold-star option. If B goes on this plan, which he could not get on until August, he would pay almost $3,000/year. But on top of that, he would first have to pay a $1,500 deductible. If our entire family was on the plan, almost $19,000 would be deducted from his yearly pay , plus there is a $4,500 deductible. Coinsurance (no idea what that is) is 30% after the deductible. And the c...

Health care, shmelth care (or, Another reason I should have been a guy)

This is not going to be about health care; I just don't have the energy to talk about that. No, this post is about going to the doctor. Fun! Like an intelligent woman that I sometimes I am, I regularly go to a gynecologist. But the "regular" doctor? Not so much. I figure I get my heart rate and blood pressure checked at the gyne (along with my women parts), so what else would a regular doctor really do? I do try to get to one of those about every four or five years, and I get blood work, so I figure I am all set. Not quite, I guess. I was last at the "regular" doctor about 3 years and 10 months ago. I had been having leg pains, and I worried that it was something serious. So the doc checked me out and did some blood work. Nothing came of that, life went on, so I figured I was in the clear. Then a few months ago, I had to pick a PCP because of my new (via job) health insurance, and I went with that same practice I had gone to almost four years ago. The ...

A fickle pickle

Well, I guess I am not going to give up the blog just yet. How about if we just say I will write when I feel like it, which will probably be between two and four times a month? Stop by on occasion if you are so inclined. :-) Today's post is brought to you by my personality, which can best be described as indecisive. I would almost go so far as calling myself commitment-phobic, but I have been married for 14 years and have lived in the same house for 11 years. And I have lived in western PA my entire life. But I guess that really just proves my point about my being indecisive; I can't seem to decide anything else. It is easier to just leave things as status quo (try not to read into those examples too much). My indecisiveness is why it took me over a year (maybe two) to buy an HD TV. It is the reason I have been looking into smart phones since last fall and still have not made the plunge (though because I get a discount with my employer, this waiting turned out to be a good ...

And while we're on the subject...

I still very strongly dislike Westinghouse, and that is not going to change any time soon. I am hopeful, if only slightly, that I will be able to post an update at some point that states I am getting something from Westinghouse. If you don't see that update, well, then you know Westinghouse, like many other businesses, cares only about money, not about quality products or customer satisfaction. So, yes, I am pretty sure you won't be reading anything else positive about my TV situation. But I am already on to another customer service-related post. Remember how last month I blogged about my annual appointment, and I threw in a comment about how I once again had to pay a specialist copay? I called my insurance company a week later to question this, and the CSR informed me that this year I should have paid nothing, thanks to the health care reform, which, admittedly, I don't know all the ins and outs of. The CSR said that last year I probably could have gone copay-free; the ...

Something(s) good out of something dreaded

It is hard to believe another year has passed since the day that probably 99 percent of the women out there dread. Oh, how I loathe my annual exam, but I am happy to report that two things happened to make it not so awful this year. Through the apparently thin walls, I could hear the heartbeat of an unborn baby. I have no idea what that instrument is called (the one that allows you to hear the heartbeat of an in-utero baby), but as I heard that sound from so long ago, my eyes immediately watered. The memories of that whoosh-whoosh-whoosh noise, from over eight years ago, came flooding back, and I was immediately reminded of the first time I heard Jordan's heart beating from inside by stomach. At the time, I had no idea what the sound was, and I had to ask the nurse if that was my baby's heartbeat. She said yes, and my eyes welled with tears. I also remember the next time, when it took awhile for the instrument to pick up Jordan's heartbeat. I was supposed to get a so...

Down for the count

I am fairly certain this is the third time this year I have been ill. Prior to this year (or maybe last year), I got sick once a year, more likely once every few years, and it was usually over in a day or two. I have no idea what is going on with me. This particularly illness has really thrown me for a loop. I went to bed at 8 p.m. on Sunday after having felt tired and achy all day long, and  I slept horribly. After about 10 second in the shower the next morning, I felt as if I were going to pass out, which was promptly followed by a wave of nausea. I practically crawled out of the shower and did not even bother to dry off; I was that ill. I asked Brian to take Jordan to school (and to get her ready, breakfast, etc.), and I made my way back to bed, where my 101-plus degree body stayed for most of the rest of the day. As I heard Brian and Jordan getting ready that morning, I thanked God that I was not a single parent. How could I have gotten my kid to school when I was too dizzy...

I like to think it is because I was right!

Back in September, I ranted about having to pay a $25 copay for my annual gynecologist visit because apparently that is considered a special office visit (the copay for a regular office visit is $15). Imagine my surprise and delight when just a few days ago, I received a $10 check from the practice for "overpayment" for that September visit. I thought about calling the 800 number to find out why I was getting this $10. But I am pretty sure it is because I was right. Now nurse friends especially, please resist the urge to tell me otherwise. I just want to have this small victory.

Many things to be thankful for (or for which to be thankful)

I am guessing that in years past, I have listed things for which I am thankful. Might as well continue down the path. So here goes my list. I hope every single one of you can find something, even many things, for which to be thankful. Wishing you a happy Thanksgiving, Toforkey, and Slapsgiving! Family (especially Jordan and Brian), friends, and Sadie too Roof over my head and food in the fridge and cupboards Health Football and hockey, particularly winning seasons for the Steelers, PSU, and Pitt football teams (as well as my fantasy football team) and the Pens Running and my improved times Pittsburgh Freedom of speech and religion and the right to vote Tenacity That Jordan likes school The most wonderful time of the year That I actually have my Christmas cards ready to go (just waiting to mail them so people don't receive them in November) Funny things Food (I kind of already said this, but I just love food, particularly on this most special food day of the year) H...

Embracing the season

This morning on my way to school, as I hit my preset for Wish 99.7, I was greeted by B.E. Taylor singing "Mary's Boy Child." For a second, I thought I was mistaken, but then I remembered what today is, Light-Up Night. As all Pittsburghers know, Light-Up Night, which is actually going to be a two-day event this year, kicks off the holiday season. Now I don't get all worked up about what people call this time of year (though I am glad the city has abandoned the stupid "Sparkle Season" moniker). I am a Christian so I celebrate the Christ part of Christmas, which to me also includes the giving tree at church. But I love the secular aspects of it as well. I am all about the lights, the carols, the decorations, Santa, the reindeer and elves, the Christmas specials, the food, the goofy sweaters, my silly jingle bell necklace and Santa hat. I cry a couple of happy tears as soon as Westinghouse puts up its tree light decoration along the Parkway East. And the Eat...

No answers, only questions (Part 1)

Late this afternoon, I arrived home from a three-day trip to Texas. This trip was not really for pleasure; unfortunately, my mother was recently hospitalized for a handful of things. Before she got out, my brothers decided that she would be better off, at least in the short-term future, living in Texas, where she could stay with my little brother and his family and have access to better medical care than what she was receiving in the small local hospital in her area. I went to Texas to spend some time with her and help her and my brother and his family in the best way I could. I am kind of numb about the whole ordeal. For over a week, I spent an insane number of hours on the phone talking to doctors, nurses, and many relatives and family members. I went back and forth to the hospital, a two-and-half-hour round trip, a few times. A car issue, still not resolved, further complicated matters. Nine years ago this weekend, I was riding in a truck with a friend en route to visit...

Another health care rant

As I have ranted and rambled about before, Brian has rather crappy insurance, which I unfortunately had to get on at the beginning of the year because we could not afford paying the monthly Cobra payment. But, as I learned in econ or some other class, "opportunity costs" or something like that. So to save several hundred dollars a month for the right (er, privilege) to have insurance, we have to hope we don't need much of it. If one of us gets sick, well, then, it may have made more sense to pay more money monthly. When I went to my annual day of torture on Friday (i.e., the gynecologist), I was surprised that my copay was $25. On my insurance card, there is a line for Office Visit Copayment, for $15, and there is another line for Specialist Office Visit Copayment, for $25. There is nothing special about going to the gynecologist. It is something that I am pretty sure women should do yearly once they become "grownups" or younger, if they start doing the horizo...

I don't do sick

I just finished a bagel. That would not normally be noteworthy except that I last put a bite of food in my mouth about 23 hours ago. My going without eating for more than a few hours is rare. Almost 24 hours without food is downright apocalyptic. Yesterday morning, I woke up feeling a little ill and a lot tired. I don't sleep well if I am not in my own bed. And sharing a room with Jordan, my little brother, his wife, and their three kids, aged two months to four years, only exacerbated the problem. After a couple of cups of joe, I managed to get through the baptism of my newest nephew, probably helped by his entertaining crying through the entire ceremony as well as his two brothers punching each other during part of it. I forced myself to eat at the brunch after because I love food, particularly breakfast, but it was not easy. I could not even manage a bloody Mary, my favorite brunch drink. :-( The Steelers (I heart Charlie Batch!) game kept my exhaustion and upset stomach in ...

And in this corner

This weekend I am running in the Regent Run Around the Square, my first 5k race since 2006 and my first Run Around the Square since 2002. The last time I ran in that race, I entered the "heavyweight" division. If you know me, you know that although I am not skinny, I am certainly not a heavyweight. And even if I were, isn't it more important to be healthy and in shape? Which I am. How else could I run 3 to 4 miles on a regular basis? (Okay, I have not run 4 miles since the beginning of June, and I sometimes let two weeks go by before I run again. But during the school year, I was a regular runner, and trust me, I am doing just fine now.) Who thinks up these things? Don't enough women have self-image problems without being made to feel fat when they are not (and even if they are overweight, why make a big deal about it)? Luckily for me, I think fairly highly of my physical self; at the very least, I (mostly) accept what I have, try to work on it somewhat, and just b...

More random ramblings

Here is what is on my noodle today, in no particular order:   Yes, the snow is pretty and all. And I won't even say that it would be fine with me if it does not snow again until December (except I just did). But I will say, I am done with excessive snow and the ensuing snow days that seem to keep on coming. And I am even more irritated that some schools want to get out of teaching 180 days. The kids need it, and I pay a lot for my kid's education besides. I read a somewhat disturbing but not too surprising article about how being laid off affects your health. I am really trying to be positive about my situation, and most of the time I am, but I can't help feeling a little down and of course worried sometimes. Not as worried as Brian, however, and we all know what worry can lead to. Speaking of health, which leads me to health insurance, is it any wonder that people ignore their health problems when they have little or crappy insurance? I was having some weird pa...

Merry Christmas

No long winded post from me tonight. I just want to wish you all a merry, happy, healthy, peaceful Christmas. I hope you get just what you want. And even better, what you need. God bless, Faith

Then the rain comes

Yesterday when I dropped Jordan off at school, I felt inexplicably sad, and the feeling continued the rest of that morning and afternoon. In fact, I found my eyes tearing up a few times throughout the day. Normally I love this time of year. Once Thanksgiving hits, I enjoy the Christmas songs on the radio and in the stores. Most of the time, I don't even mind the frenetic pace and crowds. But yesterday something was just not right. And I think it was more than I was having troubling finding a sweatshirt or t-shirts suitable for an elderly woman for the giving tree. I am thinking that this is how people suffering from depression feel every day or most days. Pretty much nothing makes them happy, and they are unable to see the joy in anything. I know people who have gone through or are going through this, and it is tough. And it is real, despite what Tom Cruise (maybe he was just anti-drug) or anyone else may tell you. You just can't say to a person who is depressed, "Just be ...

A lot to be thankful for

Like many people this time of year, I am reflecting on all the blessings in my life. So, as I did last year, I want to list the many, many things I am thankful for. Jordan . To think I did not want kids and could have missed out on her. She is truly my greatest blessing. Brian . We drive each other crazy more than we should. And sometimes we want to run the other way, far, far away. But he is a good husband, father, cook, and handyman who is doing the best he can. And he just walked in with wine coolers! Family . Jordan and Brian are at the top of my list, but I am also blessed to have the rest of my relatives, especially my mom, dad, brothers and their families. Friends and acquaintances . I have many (more of the latter) and for that I am lucky. Faith . It gets me through tough times and often helps me better appreciate the good times. Health . We have been blessed by relative good health, aches and pains notwithstanding. Home . Unfortunately there are people out there who don't ...

Care for THIS

I have complained about health care here and on Facebook a number of times. As I have said, I don't have the energy to read through over 1,000 pages to figure out what this reform is all about, especially knowing the final bill will look different from what is out there now. But I am all for making things better in the health-care industry. I am a pretty open person, but when it comes to complaining about medical care, I tend to keep my mouth shut. Why? I pretty much blame it on an episode of Seinfeld, when Elaine complained, and a doctor wrote something in her file. I seriously worry that if I say something, I will have a black mark on my file. I have a litany of complaints with the ob-gyn practice I have been going to for about 10 years. It started when I was pregnant and one of the doctors told me I could have two mixed drinks a day. What doctor, in the 21st century, would give you advice like that?! Don't enough doctors get sued? Only one doctor in the practice bothered to ...

You just never know

A few hours after a crazy guy shot about a dozen women and killed three of them in a gym, I thought of how what he did affects so many people in many different ways. The injured woman may never get over the emotional trauma of getting shot. Some will probably endure nightmares and require counseling, which could affect their jobs and personal lives. Some may have physical injuries that take months to heal. This too could affect their livelihoods. What if one of them worked at a minimum wage job and had little or no health care? Many family members and friends who knew and loved those women will also be affected. It may take some of them years to get over this. The kid who lost his mother may very well think about this daily for the rest of his life. Think of the parent who has to bury her daughter. The health of perhaps hundreds of LA Fitness gym goers may also be in jeopardy. Some may never be able to work out again, for fear of a repeat occurrence. I am guessing some at the very leas...

Maybe sardines are the answer

I don't know if it is more age (almost 37.5) or that I am not as physically active as I used to be, but lately I have had aches and pains that I thought were reserved for people in their 60s and older. Just this weekend, while at Mom's, my left calf really bothered me. I walked alongside a bike-riding Jordan and winced with almost every step. I bowed out of a walk the next day as well. Oddly enough, while at a park, the pain went away after awhile. I have no idea where it came from and why it left. This came on the heels of my sore butt and thighs after walking in my hilly neighborhood one day last week. I finished the jaunt with a little run up my steep hill. I still would like to start running again. Of course, I have been saying this for over a year now, ever since I bought new running shoes, shoes that I took out of the box for the first time last fall, I think, just to make sure they were still there. I keep thinking back to the senior citizen I saw on TV last year who was...