I am very typical earthling. I like earth food and earth drink and earth sports and earth media. Im all about earth things because I am so typical and earthling. so typical as to be very boring and not worth investigating or looking into because I am definately from earth.

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Joined 1 year ago
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Cake day: June 18th, 2023

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  • I mostly do that but I have to tell you its a fight every time as even the reasonable places expect the bill to be paid like a week after they bill you. So they take 3 weeks to do the claim and bill you and they don’t recognize the insurance company will take 3 weeks to process the claim formally and they certainly don’t want to give you the curtesy of taking 3 weeks to compare the bill to the eob and send out the payment. Again this is the reasonable ones as many places insist on a credit card being put on file and maybe they have an agreement but I have literally been ghosted by providers if I refuse to put one down. So they technically are not requiring it but they are. Oh and to boot they mention if they charge you wrong it is fine because they will just refund you. Which means if you use an hsa debit card and they charge it and then refund you well they just basically acted as your money laundering agent for tax evasion. The US is wack.












  • I mean if i get to maximum out of pocket its a bit over 7 grand now which tends to be about the same as my monthly cost on the insurance for the year and one kid will raise my monthly cost from spouse only to family (although keep em coming as after that they are all free). One decent surgery can pretty much push to max out of pocket. Of course that is max out of pocket for what is covered. Like this machine that automatically ices and puts pressure on an area and is proven to have better outcomes from surgery is not covered (one of the many health insurance chicken contests. sure we will pay more because you will have more issues if you don’t get it but you will have to live with lower quality of life). Anyway just some perspective on cost because while not 22k it can get up there.