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Joined 4 months ago
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Cake day: December 13th, 2024

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  • Wildcards, sometimes you need to see people and have no idea what you will pay in the end since sometimes they will do work or use something that isn’t fully covered so you then get a bill a month later telling you insurance only covered this you owe the difference.

    You can request preauthorizations for an estimate. I always try to request those. Not always practical, however, especially when it’s urgent.

    It’s up to you to figure out if that’s correct or not then go down the path of fighting it.

    Fighting it is the worst. It’s a 3-body problem—you, the insurance, the provider—and you’re caught in the middle. You can’t just tell anyone in plain language “my insurance covers preventative care cost-free, so why am I being charged for this?” They force you to do the detective work, and they don’t make it easy. You basically have to know billing codes better than the billers and tell everyone to use correct ones. The billing codes aren’t necessarily printed on billing statements or claims (mine didn’t have them). Their meanings & provisions are unexplained. The patient has no reason to understand them or know they exist. Infuriating system.

    This is just scratching the surface

    You didn’t mention deductibles. Before copay or coinsurance kicks in, your policy may require paying a deductible. Cost sharing provisions vary by policy.

    High deductible insurance plans come with a health savings account, which is completely tax-free (no taxes on contributions, their earnings, or eligible distributions) for health expenses including any type of cost share (deductible, copay, coinsurance). As long as you pay health expenses with other funds & retain the receipts, it functions in practice as a smaller investment retirement account with less taxes than IRAs. Somewhat interesting.

    Health insurance typically doesn’t cover dental or vision: those need separate plans.

    Another thing, you can’t just not have insurance. If you don’t, you will have to pay a penalty on your taxes for the time not covered.

    Federally as of 2019 that was set to $0, so the amount ends up varying by state & could be $0.


  • lmmarsano@lemmynsfw.comtomemes@lemmy.worldBro, is that a hole?
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    9 days ago

    Ah, surveys, which classify as observational, cross-sectional studies: pretty low on the hierarchy of evidence, yes?

    Now show us studies that apply the same methods on the relationship with belief & attitudes toward bank robberies, risky driving, or dark personality traits as mentioned before. Applying the same methods on those questions would inform us whether such studies put them all on “the same level” as sexism or “objectification of women” (which someone before claimed would be funny), and whether we can put much stock in conclusions drawn from these methods.

    It’s also questionable whether answers to survey questions imply much beyond state of mind that has real-life consequences. Unless there’s clear evidence of that, it’s a slippery slope.