Failed someone for fucking with the double spacing. They went 2.3. I mean, they may have otherwise passed if the reworked spacing didn't leave the paper woefully short of the page requirement or if the rough draft hasn't been submitted late to begin with. But I'm feeling important like a mall cop catching a petty shop lifter.

2.3 is brutal. Gotta do the larger period thing. It is undetectable.

CalvinBall wrote:2.3 is brutal. Gotta do the larger period thing. It is undetectable.

It's detectable.

do you hold then up to other periods of the appropriate size?

The first indicator is that the paper itself will seem thin, undeveloped. Secondly, yes, I have a stack of papers, and simple comparisons will expose your sloth and ineptitude. Also--electronic submissions.

Why not just put in longer quotations?

And here's me scaling my spacing down to try to fit everything in.

In that case, just delete all the shit.

Ton of info to fit into a three page, double-spaced paper.

Only did the period thing on papers longer than ten pages.

I mentioned it in the work topic but I'll ask here instead: does anyone else have a healthcare plan with a high deductible that has to be met each year? I just switched to one for 2015 and did some math and noticed that I won't reach the deductible by the end of the year based on what's being taken out of my paycheck, and now I see an email from HR that the deductible gets reset to $0 every January, so how the hell will I ever get any insurance other than dumping extra money from my paycheck into the HSA?

Yup, I have the high deductible plan. Same deal, we didn't meet our deductible but it's not really that you don't get any insurance. They cover tons of stuff 100%, all of our well visits are covered 100%, vaccines and preventative things are covered 100%. I had a colonoscopy this year, covered 100%. Then for anything else you have done you pay a negotiated rate with the provider, we took our son to AI DuPont for asthma/allergy testing and insurance reduced the cost by like 75%.

You will definitely pay more for visits to doctors etc. than a $20 co pay, but your premiums should be far less too. I think I pay like ~$160/mo for my high deductible plan by it would be over $400 for a lower deductible/co-pay plan and it's cheaper in the long run for us. We don't go to the doctor that often.

Wrt the hsa account, that is different than an hra, in an hsa, you can roll the money over year to year and even invest it in mutual funds and use it for college expenses or purchase of a house in some situations. It can kind of work as a secondary 401k in that regard.

speaking of deductibles, I'm already at 1200 of 1500, what can I fix on myself to get some use out of this stupid plan. I don't wear glasses unfortunately. can I charge sunglasses? get some gucci manes

See if you can have your appendix removed, as a preventative measure.

it's already gone! spleen maybe

Houshphandzadeh wrote:speaking of deductibles, I'm already at 1200 of 1500, what can I fix on myself to get some use out of this stupid plan. I don't wear glasses unfortunately. can I charge sunglasses? get some gucci manes

Vasectomy

Bill McNeal wrote:Yup, I have the high deductible plan. Same deal, we didn't meet our deductible but it's not really that you don't get any insurance. They cover tons of stuff 100%, all of our well visits are covered 100%, vaccines and preventative things are covered 100%. I had a colonoscopy this year, covered 100%. Then for anything else you have done you pay a negotiated rate with the provider, we took our son to AI DuPont for asthma/allergy testing and insurance reduced the cost by like 75%.

You will definitely pay more for visits to doctors etc. than a $20 co pay, but your premiums should be far less too. I think I pay like ~$160/mo for my high deductible plan by it would be over $400 for a lower deductible/co-pay plan and it's cheaper in the long run for us. We don't go to the doctor that often.

Sorry, this is the first time I've had something other than HMO/PPO so I was a bit confused there. I thought the amount being taken out of my paycheck and put into the HSA went towards meeting the deductible, but it sounds like they're completely independent things, and meeting the deductible is based on accruing $1500 or $2500 worth of doctors bills out-of-pocket before insurance says "whoa, hold on, let me help you out there". Do I have that right? My plan has 100% preventive in-network, so I'm OK there, then it's 70% co-insurance after meeting the deductible for prescriptions, other visits, etc.

i hit my max. months ago. only have a month left. maybe i should get something done too. has anyone been to a chiropractor?

wonder if back hair removal is covered.

wrapping up month 11 with no insurance.

BigEd76 wrote:

Bill McNeal wrote:Yup, I have the high deductible plan. Same deal, we didn't meet our deductible but it's not really that you don't get any insurance. They cover tons of stuff 100%, all of our well visits are covered 100%, vaccines and preventative things are covered 100%. I had a colonoscopy this year, covered 100%. Then for anything else you have done you pay a negotiated rate with the provider, we took our son to AI DuPont for asthma/allergy testing and insurance reduced the cost by like 75%.

You will definitely pay more for visits to doctors etc. than a $20 co pay, but your premiums should be far less too. I think I pay like ~$160/mo for my high deductible plan by it would be over $400 for a lower deductible/co-pay plan and it's cheaper in the long run for us. We don't go to the doctor that often.

Sorry, this is the first time I've had something other than HMO/PPO so I was a bit confused there. I thought the amount being taken out of my paycheck and put into the HSA went towards meeting the deductible, but it sounds like they're completely independent things, and meeting the deductible is based on accruing $1500 or $2500 worth of doctors bills out-of-pocket before insurance says "whoa, hold on, let me help you out there". Do I have that right? My plan has 100% preventive in-network, so I'm OK there, then it's 70% co-insurance after meeting the deductible for prescriptions, other visits, etc.

Yup, that's it. The HSA money is yours and stays yours, the deductible is only based on what doctor bills you accrue and most likey prescriptions as well as well as some other various things

Bill McNeal wrote:

BigEd76 wrote:

Bill McNeal wrote:Yup, I have the high deductible plan. Same deal, we didn't meet our deductible but it's not really that you don't get any insurance. They cover tons of stuff 100%, all of our well visits are covered 100%, vaccines and preventative things are covered 100%. I had a colonoscopy this year, covered 100%. Then for anything else you have done you pay a negotiated rate with the provider, we took our son to AI DuPont for asthma/allergy testing and insurance reduced the cost by like 75%.

You will definitely pay more for visits to doctors etc. than a $20 co pay, but your premiums should be far less too. I think I pay like ~$160/mo for my high deductible plan by it would be over $400 for a lower deductible/co-pay plan and it's cheaper in the long run for us. We don't go to the doctor that often.

Sorry, this is the first time I've had something other than HMO/PPO so I was a bit confused there. I thought the amount being taken out of my paycheck and put into the HSA went towards meeting the deductible, but it sounds like they're completely independent things, and meeting the deductible is based on accruing $1500 or $2500 worth of doctors bills out-of-pocket before insurance says "whoa, hold on, let me help you out there". Do I have that right? My plan has 100% preventive in-network, so I'm OK there, then it's 70% co-insurance after meeting the deductible for prescriptions, other visits, etc.

Yup, that's it. The HSA money is yours and stays yours, the deductible is only based on what doctor bills you accrue and most likey prescriptions as well as well as some other various things

A high-ded plan, along with an HSA, keeps your premiums low and insures you for events that would have major financial impact on you.

It's useful for us to stop thinking that we need insurance for every penny needed for health care. It's as pointless, and as expensive, as it would be buying grocery insurance. You're gonna need to buy stuff to eat - budget for it. You're gonna have some doc visits or prescriptions - budget for them.

You can't budget for cancer or a heart attack, so that is covered once you meet the deductible.

That is the basic principle of insurance - not to reimburse you for every routine cost, but to make you whole after suffering a signficant and unexpected financial event.