TOTALLY GEEKED!

flan327 · Itty bitty's Grammy

RE: HUMP DAY a/k/a Wednesday

flan327 · Itty bitty's Grammy

Do people honestly NOT understand that some illnesses are contagious and some are NOT?

flan

Nobody Just Nobody · Rib-it! Rrrib-it!

flan327 wrote:
Nobody Just Nobody wrote:
I just spent two hours making 75 trick or treat goody bags.
You GO, girl!!!
flan

The kids in my neighborhood will be happy. I have big kid treat bags, little kid treat bags, food free treat bags, and special bags for the neighborhood kids. I also have a bucket of dog biscuits.

Nobody Just Nobody · Rib-it! Rrrib-it!

Total rant. We got new insurance. It's $1800/month. Our medical deductible is $1500/year. We'll never make that. All our prescriptions have to be pre approved by the insurance company. AND they are all tier three drugs (except for one) and have a $75 copay. One of the tier three drugs is flexiril and the pharmacy only charges $4 without insurance. Several of our drugs are cheaper to buy without even filing them under our insurance. We're really wondering what this chit is even worth having it for.

ed11563 · Guru

I always price new prescriptions at Costco and at WalMart, without telling them I have insurance. The insurance company sucks.

Most either cost less than the insurance copay. Some cost a LITTLE more, but save me a LOT of hassle.

Let's see, $15 at Costco without insurance, or $14 copay plus 2 weeks of aggravation from Express-Scrips

Easy peasy.

I would happily pay $20 more at Costco than get the same generic from Express-Scrips.

ed11563 · Guru

Nobody Just Nobody wrote:
Total rant. We got new insurance. It's $1800/month. Our medical deductible is $1500/year. We'll never make that. All our prescriptions have to be pre approved by the insurance company. AND they are all tier three drugs (except for one) and have a $75 copay. One of the tier three drugs is flexiril and the pharmacy only charges $4 without insurance. Several of our drugs are cheaper to buy without even filing them under our insurance. We're really wondering what this chit is even worth having it for.

$1800 a month is a LOT !!!

Nobody Just Nobody · Rib-it! Rrrib-it!

Yeah, there was one that was only five dollars more paying cash but DH said it would be so much easier to just pay cash than to go get prior authorization and go through the insurance. He made a list. Some of them will need to be filled through insurance, some not.

Mellow Momma · Sniff...sniff, sniff. Yay! A Bum!

Ours is $850 a month and we have a $500 deductible for each person which we also will not meet - unless someone has a serious incident. The only time we go to the doc is for preventative care (which is covered at 100% and doesn't count towards the deductible) or for something like bronchitis which is a $125 office visit. So unless one of us ends up at the doc with something 5 times a year, we have no hope of making the deductible.

Nobody Just Nobody · Rib-it! Rrrib-it!

Yeah. I'm still waiting for the upside of Obamacare. We had great insurance before all this. When DH switched jobs we took a huge hit. It's like not even having insurance at all.

flan327 · Itty bitty's Grammy

My bed is calling me...

flan

Mellow Momma · Sniff...sniff, sniff. Yay! A Bum!

Nobody Just Nobody wrote:
Yeah. I'm still waiting for the upside of Obamacare. We had great insurance before all this. When DH switched jobs we took a huge hit. It's like not even having insurance at all.

Our insurance at DH's last job was amazing - but that was a few years ago and the pool of insured people was MUCH larger, it was $200 a month. Here, our insurance sucks because we are close to the Mayo Clinic, which drives up the cost as care there is expensive. Also, our pool of insured people is super small. One of the faculty has had cancer and treatments for a few years, and there is at least one baby born every year - all of which is hugely expensive. So our insurance is ridiculous. It sucks. An extra $650 a month would be nice. It covers almost nothing, especially compared to our last insurance.

lilyofcourse · My spirit animal is a pink flamingo.

It's a racket.

A ponzy scheme.

Tinydancer · Guru

flan327 wrote:
Do people honestly NOT understand that some illnesses are contagious and some are NOT?

flan

I understand just fine. What you described on at least 2 occasions sounded contagious. I'd quote them but I will never remember which daily threads they were.

Nobody Just Nobody · Rib-it! Rrrib-it!

Mellow Momma wrote:
Nobody Just Nobody wrote:
Yeah. I'm still waiting for the upside of Obamacare. We had great insurance before all this. When DH switched jobs we took a huge hit. It's like not even having insurance at all.
Our insurance at DH's last job was amazing - but that was a few years ago and the pool of insured people was MUCH larger, it was $200 a month. Here, our insurance sucks because we are close to the Mayo Clinic, which drives up the cost as care there is expensive. Also, our pool of insured people is super small. One of the faculty has had cancer and treatments for a few years, and there is at least one baby born every year - all of which is hugely expensive. So our insurance is ridiculous. It sucks. An extra $650 a month would be nice. It covers almost nothing, especially compared to our last insurance.

Yep. Our last insurance a little less than $400/month and it covered EVERYTHING. Every drug and every doctor and we didn't need permission from our main doc to go. This stuff is for the birds.

lilyofcourse · My spirit animal is a pink flamingo.

I got the cutest Christmas flamingo!

And penguin and owl!

They were on sale at Walmart.

Tinydancer · Guru

Keep it up and you'll have your own Christmas zoo...

lilyofcourse · My spirit animal is a pink flamingo.

Tinydancer wrote:
Keep it up and you'll have your own Christmas zoo...

Yep.

I want a hippopotamus!

I know what to do_sometimes · Frozen Sucks!

Fort Worth Mom wrote:
FNW wrote:
He went with the glow in the dark one so he'll glow on Halloween.
That sounds cool!

COOLEST COSTUME EVER! Lucky kid! wink

I know what to do_sometimes · Frozen Sucks!

Ok visiting you Geeks. Just got done working, recurring theme I know. But the work is great! Finally back into what I do best, cost estimating. I will be working most of the w/e to complete some projects that are due. My break at TG will feel so good!

Ohfour · Hooker

Wow...our insurance for family coverage is $400 a month. $150 per person deductible, $600 max a year per family. Well visits are covered, no copay. Specialist is $30 copay. All drugs through Expressscripts are $10 for 90 days. (No option for maintenance drugs). We are blessed....and we know this...

Nobody Just Nobody · Rib-it! Rrrib-it!

Ohfour wrote:
Wow...our insurance for family coverage is $400 a month. $150 per person deductible, $600 max a year per family. Well visits are covered, no copay. Specialist is $30 copay. All drugs through Expressscripts are $10 for 90 days. (No option for maintenance drugs). We are blessed....and we know this...

Ours used to be like this too. Before he changed jobs. We knew this was coming. But it doesn't hurt any less just because we knew it was on the way.

I know what to do_sometimes · Frozen Sucks!

Anyone with an HSA benefit, take advantage of it, The money rolls over and employers usually match your contribution. The first year it isn't so great, but as you build it up, it really will defray the high deductibles. Of course, you have to be with your employer for a long while and that can be out of your control.

ed11563 · Guru

Grumble.

My sciatica has been bad for the last two days, and I have cold symptoms, coughing, nasal drip, crackle sounds in my lungs.

I'm taking Sudafed, which is helping with the cold symptoms, but I don't like the side effects.

Mellow Momma · Sniff...sniff, sniff. Yay! A Bum!

Ohfour wrote:
Wow...our insurance for family coverage is $400 a month. $150 per person deductible, $600 max a year per family. Well visits are covered, no copay. Specialist is $30 copay. All drugs through Expressscripts are $10 for 90 days. (No option for maintenance drugs). We are blessed....and we know this...

Ours was like that for $200 a month just a few years ago. Then we moved to one of the most expensive counties in the country for insurance. One county south of us, there is only 1 insurance company that will insure anyone because the local hospital is the Mayo Clinic. No one wants to touch it - and even though we are one county north of it, no one wants to touch us either. It's awful.

lilyofcourse · My spirit animal is a pink flamingo.

ed11563 wrote:
Grumble.

My sciatica has been bad for the last two days, and I have cold symptoms, coughing, nasal drip, crackle sounds in my lungs.
I'm taking Sudafed, which is helping with the cold symptoms, but I don't like the side effects.

Try Mucinex. It doesn't have the weird head thing.

ed11563 · Guru

lilyofcourse wrote:
ed11563 wrote:
Grumble.

My sciatica has been bad for the last two days, and I have cold symptoms, coughing, nasal drip, crackle sounds in my lungs.
I'm taking Sudafed, which is helping with the cold symptoms, but I don't like the side effects.

Try Mucinex. It doesn't have the weird head thing.

Thanks, I will.

Riding · Guru

Nobody Just Nobody wrote:
flan327 wrote:
Nobody Just Nobody wrote:
I just spent two hours making 75 trick or treat goody bags.
You GO, girl!!!
flan
The kids in my neighborhood will be happy. I have big kid treat bags, little kid treat bags, food free treat bags, and special bags for the neighborhood kids. I also have a bucket of dog biscuits.

well heck I may bring my four puppies and we shall trick or treat at your house, I will be crazy wild eyed gramma ok

ed11563 · Guru

ed11563 wrote:
lilyofcourse wrote:
ed11563 wrote:
Grumble.

My sciatica has been bad for the last two days, and I have cold symptoms, coughing, nasal drip, crackle sounds in my lungs.
I'm taking Sudafed, which is helping with the cold symptoms, but I don't like the side effects.

Try Mucinex. It doesn't have the weird head thing.
Thanks, I will.

It's working pretty well, thank you again.

Nobody Just Nobody · Rib-it! Rrrib-it!

Riding wrote:
Nobody Just Nobody wrote:
flan327 wrote:
Nobody Just Nobody wrote:
I just spent two hours making 75 trick or treat goody bags.
You GO, girl!!!
flan
The kids in my neighborhood will be happy. I have big kid treat bags, little kid treat bags, food free treat bags, and special bags for the neighborhood kids. I also have a bucket of dog biscuits.
well heck I may bring my four puppies and we shall trick or treat at your house, I will be crazy wild eyed gramma ok

Everyone is welcome at my house. Even the dogs!