Random Painters and Maids Intercoursing

by **pacino** » Thu Nov 20, 2014 15:28:33

holy shit, racism is alive and well in Montana. Those comments are filled with white supremacists.

by **Trent Steele** » Thu Nov 20, 2014 15:45:40

if you're morbidly fucking fat, don't fly. Or buy two seats. But keep your fat fucking body off of me, you fat fuck

by **jamiethekiller** » Thu Nov 20, 2014 15:57:17

bill basically nailed how the HSA works. just wanted to clarify though. Ed, you probably won't hit your deductible even if you go to the doctors several times a year since most of the stuff is either 50% to 100% covered anyway.

we get 600$ a year put into our HSA and i put another 600$ a year in as well. What people did the previous years was put in the max amount ofmoney they could into their HSA. this would end up being more than their deductible and would carry it over year to year. The money you put into your HSA is tax deductible and accrues interest. This year the deductible is higher than our max contribution. which is kinda lame, but whatever. The only people hitting max deductibles are people with families and unlucky people like Calzone or Housh.

by **BigEd76** » Thu Nov 20, 2014 16:07:26

Thanks pals. Feeling better about what I signed up for. One last question: what are the usual fees on the HSA account? I think I saw something about a .0125% annual fee or something on one of the sheets

pacino wrote:holy shit, racism is alive and well in Montana. Those comments are filled with white supremacists.

I was there for a 10-day business trip and the only black people I saw the entire time were there for the same meeting. The towns themselves? NOPE. Lots of Tobys and Chets

by **Youseff** » Thu Nov 20, 2014 17:26:27

my foe list game is so strong

by **BigEd76** » Thu Nov 20, 2014 17:41:52

B101 made the Christmas switch at 3. YE

by **slugsrbad** » Thu Nov 20, 2014 17:45:27

BigEd76 wrote:MoarFM made the Christmas switch at 3. YE

by **td11** » Thu Nov 20, 2014 18:59:18

i keep reading the politics thread title as "Ink up your Pedo Vans"

by **Napalm** » Thu Nov 20, 2014 19:09:54

every fucking asshole that drives these days is staring down at their phone. its only gonna get worse in 5,10,20 years from now. I get to look forward to a lifetime of people swerving while driving 10 mph under the limit. zombie drivers with drool drippin out the side of their mouths.

by **Napalm** » Thu Nov 20, 2014 19:10:51

BigEd76 wrote:B101 made the Christmas switch at 3. YE

I hate this shit and came across it today only to find myself enjoying it. hmm

by **SK790** » Thu Nov 20, 2014 19:16:59

Napalm wrote:every fucking asshole that drives these days is staring down at their phone. its only gonna get worse in 5,10,20 years from now. I get to look forward to a lifetime of people swerving while driving 10 mph under the limit. zombie drivers with drool drippin out the side of their mouths.

Or vaping

by **TenuredVulture** » Thu Nov 20, 2014 19:29:16

Napalm wrote:every fucking asshole that drives these days is staring down at their phone. its only gonna get worse in 5,10,20 years from now. I get to look forward to a lifetime of people swerving while driving 10 mph under the limit. zombie drivers with drool drippin out the side of their mouths.

Jail is too good for those people--but first offense, five years breaking rocks and permanent loss of driver's license will work.

by **Phan In Phlorida** » Thu Nov 20, 2014 19:58:03

td11 wrote:i keep reading the politics thread title as "Ink up your Pedo Vans"

by **bleh** » Thu Nov 20, 2014 20:11:51

Napalm wrote:every fucking asshole that drives these days is staring down at their phone. its only gonna get worse in 5,10,20 years from now. I get to look forward to a lifetime of people swerving while driving 10 mph under the limit. zombie drivers with drool drippin out the side of their mouths.

google cars will save us

by **Bill McNeal** » Thu Nov 20, 2014 20:26:07

bleh wrote:
Napalm wrote:every fucking asshole that drives these days is staring down at their phone. its only gonna get worse in 5,10,20 years from now. I get to look forward to a lifetime of people swerving while driving 10 mph under the limit. zombie drivers with drool drippin out the side of their mouths.

google cars will save us

http://bit.ly/1xHOLz2

Ok, now what?

by **Napalm** » Thu Nov 20, 2014 20:27:48

Bill McNeal wrote:
bleh wrote:
Napalm wrote:every fucking asshole that drives these days is staring down at their phone. its only gonna get worse in 5,10,20 years from now. I get to look forward to a lifetime of people swerving while driving 10 mph under the limit. zombie drivers with drool drippin out the side of their mouths.

google cars will save us

http://bit.ly/1xHOLz2

Ok, now what?

first link is to robo-cars

by **drsmooth** » Thu Nov 20, 2014 20:32:22

TomatoPie wrote:
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.

we agree on ~18% of the US economy.

I knew we could do it

by **PrattRules** » Thu Nov 20, 2014 21:57:17

Sometimes when I'm wiping my ass on the porcelain punisher and drop the toilet paper into the bowl, I like watching the toilet water slowly absorb the TP. I pretend I'm Chief Brody in the final scene of Jaws where he is clinging to the only remaining part of the boat still above water.

by **CalvinBall** » Thu Nov 20, 2014 22:23:46

How can you see it hit the water? Do you stand to wipe?

by **Bucky** » Thu Nov 20, 2014 22:25:03

HERE WE GO AGAIN

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