big insurance

anonymous asked:

Do you feel that Petsmart/co/value training is as good as a 'professional' trainer? My dog needs some work on leash, child, minor human aggression before we move to the city in 6 months, where he'll be forced to meet new dogs and be social. I would hate to waste my money and time on a corporate facility if it wouldn't be as beneficial to him if the latter would be better

Aggressive dogs cannot be taken by big box stores for insurance reasons (and there is no targeted training for big box trainers to handle aggressive dogs). You are better off finding an independent trainer for that one.

You’ve waited quite a while to fix this- depending on how aggressive your dog is, you may need to be more realistic about just how much only 6 months will help him.

It’s Time, America. It’s Time.

The UK’s NHS has been in use since 1948.   👇 

They laugh at us, pity us, shake their heads. 

It’s time. 

Where Obamacare is just not enough: it is wrong, unfair and, yes, unAmerican to allow for-profit corporations and industries (insurance, pharma, etc.) to be middlemen between the people and their healthcare. 

Insurance. It’s basically a game, after all. You’re gambling your money on chances with your body. We were raised that way, and don’t know any better! 

      -                   Think Singlepayer                    -

So, I have some personal shit going on and I’ve missed work. After seeing my friend 2 weeks ago, work missed putting me on schedule last week, and then this week I had to take today off because my sister had surgery and I’m on-call to watch my niece (I thought I DID have her today, but regardless, I have to be available since my mom’s got my terrible patient of a sister, and the two other men are at work that isn’t minimum wage hellpits.)

However, I’ve been planning for months to go back down to my friend’s for a convention, plus my phone insurance and car insurance. No big, I get paid tomorrow. Oh wait, I’ve just had basically 2 weeks off.

If I have a paycheck, it’ll be small, and I’ll have, at most, money to pay for my phone (no big, i can pay for my car next check), and gas to get down there.

“So just don’t go!” some of you might say.

I can’t get a refund for my ticket. I can’t even transfer it. So I’m going. My friend was looking forward to it, I was looking forward to it, and after the stressful bullshit that is my sister’s surgery and recovery, I need to go.

I’m not asking for money donations. I’m asking for commissions.

Consider them half price, even. So 5$ for, roughly, 1000 words? Seems like a better deal for you than me. So, please, consider it?

“So the million dollar question is: who do you think set the house on fire? Was it the little girl who was grinning to herself, the grandma who had a habit of accidentally leaving the stove on, or the dad who’s going to get a big check once the insurance pays up for an old place like that?”

To the people who hate on liftblr:

I’ve worked retail for a total of 4 years. I’ve worked in a department store, a clothing store, and a distributing company.
One thing that I’ve learned is that big companies have insurance on their items. If items/clothing get lost, stolen, or broken; the cost of these losses are compensated.
Hell, when I worked at the clothing and department stores, when we got new items in for the new season or styles, we literally threw away the left over items that no body had bought. We brought bags upon bags out to the dumpsters.
None of it ever got donated to people in need and we weren’t allowed to keep any of it for ourselves. The items were literally wasted.
Never in my experience in retail did any workers get their hours cut due to shoplifting. The only time that anyone got in trouble due to shoplifting was when an SA saw our coworker witness shoplifting and did nothing about it, so the SA told our manager and our coworker was fired.
The whole “Shoplifters are hurting minimum wage workers” thing is complete bullshit. For some reason, unknown to me, you people just feel like whining and complaining about the decisions that WE make.
That being said, fuck you. 😊

  • insurance companies: we're just trying to find the best way to cut costs
  • insurance companies: we don't cover generic medications.
  • insurance companies: it's just logic, sweaty. (:
What is goin on

Humana leaves Obamacare           

On Tuesday Humana, the first big insurer, will no longer be a part of Obamacare. Their reasoning, involved people being in worse health than expected, as to why they’re deciding to not participate anymore. They say there’s an “unbalanced risk pool” as the main explanation. Humana will stay involved through 2017, but they’ll pull out by 2018. As usual, Trump had something to tweet about it, and stated “Obamacare continues to fail. Humana to pull out in 2018. Will repeal, replace & save healthcare for ALL Americans.”

           Healthcare for all Americans is very important, but repealing Obamacare without reinstating a new plan for the citizens could put thousands of lives at risk. Without Humana as a big presence in Obamacare marketplaces, they will need to find replacement insurers to fill their spot.

The difficulty of getting birth control pills without insurance

           The main difficulty in obtaining birth control pills, is the cost. Health insurance greatly reduces the cost of the actual pills and the cost for the cervical exam, which is performed once a year in order to get the prescription. The main steps one must take in order to get birth control include contacting a women’s clinic, Planned Parenthood, or other birthing facility. Step two consists of considering the costs of the pelvic examination and the pills themselves. Planned Parenthood has programs set up that can help in paying for the cost of everything. The third step is scheduling the pelvic exam and filling the prescription. On average, most birth control pills cost $15-50 per month. In addition to this, yearly pelvic exams must be in place to continue to get the prescription.

           To put the cost into perspective, let’s say it’s around the low end of $20 a month. There’s 12 months in a year, so that’s $240 a year. If a woman starts using birth control around age 18 and continues usage until she’s 26, that would be 8 years, totaling $1,920 or roughly $2,000. As you can see, without insurance, or help from special programs, the cost of birth control can really add up and this is without considering the cost of the yearly pelvic examinations. 

Action 

           There seems to always be talk of defunding or shutting down Planned Parenthood. This would be terrible for women’s reproductive rights, and many people’s access to contraceptives and family planning information. One Woman, Melinda Gates, “promises to give birth control to 120 million women by 2020.” I came across this on twitter a few days ago. It seemed like it was a great response to the general political climate.

A big insurer just quit Obamacare. Here's what that means.
Humana announced Tuesday that it would no longer participate in the Obamacare marketplaces, making it the first major insurer to withdraw from the exchanges since Trump’s election. Based on its initial analysis of data associated with the company’s healthcare exchange membership following the 2017 open enrollment period, Humana is seeing further signs of an unbalanced risk pool. Through the remainder of 2017, Humana remains committed to serving its current members across 11 states where it offers Individual Commercial products. Read more
Insurance giants may no longer be 'too big to fail'

Insurance stocks rose sharply Thursday as a memo circulated by Rep. Jeb Hensarling , R-Texas, said proposed legislation would no longer deem those companies “too big to fail.”

In the years after the financial crisis, the Financial Stability Oversight Council, a consortium of regulators, labeled AIG (NYSE: AIG), MetLife (NYSE: MET) and Prudential (NYSE: PRU) as “systemically important” to the economy – meaning a failure of one of those companies would have far-reaching effects.

But Hensarling’s memo, obtained by CNBC , listed among other things a commitment to “remove remaining nonbank SIFI references.”

Large banks, it appears, will still fall into that category, which carries hefty regulatory costs, strict government oversight and the need to carry excess capital in order to avoid being bailed out in a crisis.

Companies hardly consider the designation a badge of honor. MetLife sued the government to have the title removed, and General Electric (NYSE: GE) sold off its GE Capital unit to shed the affiliation.

Draft legislation that Hensarling proposed last year — called “Financial Choice Act 1.0” — sought to rescind FSOC’s power to decide which firms are systemically important.

It’s unclear what provisions laid out by Hensarling will survive the Senate and avoid the cutting-room floor, but the memo crystallized for investors a priority — for now — to give these three insurers a boost.

Correction: The picture for this article has been changed since it was first published after the wrong company was originally featured.

In the early 1900s, Amy Archer-Gilligan, and her husband, James, set up home in Connecticut where they decided to open the Archer Home for the Elderly and Infirm. Her first husband, James, and her second husband, both died under mysterious circumstances and left her with big insurance payouts. With this money, she was able to continue running the nursing home. Between 1907 and 1917 there were 60 other mysterious deaths at the home. Family members of the victims began to grow suspicious of the amount of unexplained deaths. Eventually, several bodies were exhumed and found to have been poisoned with arsenic. Amy Archer-Gilligan was found guilty and sentenced to life imprisonment in the Connecticut Hospital for the Insane.

anonymous asked:

how does the american health system work? like insurance and paying for care and it seems like you guys have heaps of hospitals with emergency rooms in the same city? also it seems like medications are advertised a lot? i watched a documentary set in the us and there was a prozac clock on the wall, but you have to be prescribed prozac (fluoxetine?) in my country. i think if you need it then treatment is free. like if you have cancer you dont have to pay anything to get surgery or chemo

Insurance / paying for care: It’s super complicated. There are two ways to pay for medical care in the US: insurance and cash. There are private insurance plans that individuals can buy, or you can buy into a plan through your employer if they offer insurance. There are TONS of private insurers and plans vary widely by state and by the level of coverage you pay for. Some plans may pay for pretty much everything whereas others require co-pays or require patients to pay a certain amount every year (called a deductible) before the insurance kicks in. 

Then there’s government insurance funded by taxes–Medicare, Medicaid, and what is fondly called Obamacare. Medicare and Medicaid do pay for a lot. Medicare is for people 65+ and has several parts to it that cover different things like hospital care or outpatient care. Medicare is probably the closest thing the US has to the single-payer systems that many other countries have. Medicaid is for the poor and disabled. Medicaid plans are sometimes managed by non-government third parties, and they also vary widely by plan and by state. Some states also have state-sponsored insurance programs to ensure that children are covered. When the Affordable Care Act took effect, states had the option to vote to expand their Medicaid coverage so that more uninsured people could be covered. Some states wisely voted yes, while others voted no. The ACA also brought about insurance “exchanges” (Obamacare) where insurance plans compete with each other, which is supposed to lower their prices. People can buy into those if they don’t qualify for Medicare, Medicaid, or can’t afford private insurance.

Oh wait, there are also prescription plans! And dental plans! And vision plans! Those are all usually options you pay extra for with your insurance plan so that you don’t have to fork out $500 for a tooth filling or $600 for glasses. 

Confused yet? We are too. 

Free Treatment: Some medical conditions (HIV/AIDS, end stage renal failure on dialysis, and breast cancer are a few that come to mind) will allow patients to qualify for Medicaid and other medical assistance programs when they otherwise wouldn’t, so they have access to treatment. Also, emergency rooms can’t withhold emergency treatment because of lack of ability to pay. I agree that healthcare should be available to everyone, but remember that even in a single payer system, nothing is free. Somebody (or somebody’s taxes) is always paying.

Heaps of hospitals?: only in the largest cities are there heaps of hospitals and emergency rooms, and generally different hospitals offer some different services. Most small cities and towns in the US would only have 1 or 2 hospitals. For perspective: my MedSchoolTown had 3 hospitals which served about 150-200,000 people from the city and surrounding towns. My NewJobTown is 20 miles away from the nearest hospital, which is a critical access hospital with only about 40 beds.

Are medications advertised a lot?: Yes, to the annoyance of most doctors. Direct to consumer advertising of prescription drugs is the most aggravating thing in the world. Yeah, you still have to be prescribed prozac (and all the other advertised prescription drugs) in the US too, but here you can also watch a commercial and walk in and tell your doctor “I only want drug X for this condition” and completely ignore your doctor’s years of experience in favor of the information you got from a 15 second commercial.

Prozac Clocks: Up until just a few years ago, drug companies gave doctors all sorts of free stuff with their drugs’ names on them. Docs got pens, mugs, clocks, educational materials, dinners, and even vacations from drug reps. But the rules have been tightened down on that stuff now, and drug companies can only hand out educational materials and meals now, and the meals can’t be extravagant. 

To the person who asked if you should have insurance, I present to you part of my receipt from the new prescription I just picked up. I paid $4. My over-the-counter medicine I had before cost me $60.

Not to mention that it’s kind of the law now. So your choice is no insurance and hefty fees or insurance and big savings on doctor visits, lab work, and prescriptions.