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January 22, 2014, 10:38 amGot another letter!
This time it's from our health insurance provider, Insurance we almost lost due to the new unaffordable health care act, because my husbands employer got more people to sign up, and all were willing to pay a little more, we can keep it at least for another year, next year will be debatable.
That being said, let me give you some back ground info on me, I'm a former smoker, I smoked for almost 30 years, I escaped the long term damage, I do however need albuteral from time to time, as I work in a cooler, it's 33 degrees in there. My saving grace was probably good nutrition and exercise.
I still may develope problems, nobodies fault but my own!
My husband is a skin cancer survivor, it can reoccur at any time, both of his arms from wrist to shoulder were affected, he worked all during his treatment, didn't miss a single day.
He's worked for the same employer for 34 years, paid into this insurance company, BCBS the entire time, other then giving birth and his skin cancer, well baby visits, etc, there were many years, we never used the insurance we had, didn't need to we were healthy.
Now, I am 52 years old, like I said, I work in the cooler, what do I do?
I unload the truck, I may get 3 or 4 pallets of product, we are talking almost 7000 poumds of , meat, milk, cheese, vegetables, any fresh food.
My job is to unpack these pallets and put the product into backstock, I can usually do my truck in about an hour and a half, thats a lot of weight I have to move, my job isn't finished there, if someone needs something sliced, I have to stop what I am doing and go slice, then clean the slicer.
I then have to weigh the meat and cheese and fill holes, stock milk, sour cream , salads, veggies etc.
So, thats what I do.
Now back in the fall a week before Thanksgiving, things got crazy at work, plus I was doing a lot of leaf raking and yard work, getting my house and yard ready for the winter and for the holidays.
Well, it took it's toll on my back especially my left shoulder, I was in pain, I woke up one morning ready to pull my hair out, motrin wasn't working.
So, I went to the chiropractor( not sure if thats spelled right) had my back and neck adjusted, paid for it out of my own pocket, no problem.
The pain got worse, I actually went to work like that, the next day, I called my doctor , I was afraid I ripped or did something really bad, at this point, I can't pinpoint any situation that actually caused the pain, it wasn't an accident, I just woke up in pain.
So the doctor tells me, it's a muscle spasm, no serious problem, told me to take a couple days off work, not more raking, he gave me a script for muscle relaxers and told me to alternate between hot and cold on that shoulder. After a couple days, I was good as new. Haven't had a proble since.
well, we just got a letter from BCBS, THEY ARE INVESTIGATING MY INJURY!
REALLY! REALLY! A F*CKING MUSCLE SPASM
It has been brought to their attention, that I was recxently treated for an injury,( an accident injury), I never said it was an accident, I don't know what caused it. overuse would be my guess.
They want to know, was it an auto accident, motorcycle, injury at work, injury at home? a fall, at home or elsewhere, did someone do this to me?
Did I file a lawsuit?
Am I getting ready for disabilty? wth
My first thought was maybe the doctor overbilled, nope went back an looked at the claim, only charged me for the office visit and I paid my co-pay.
Second thought, Are they trying to pass the buck off onto, my employer, car insurance, someone elses car insurance, my home owners.
Third thought, are we going to go through this everytime we go to the doctors? Are they going to decide we are high risk and charge us more?
Fouth thought, I wonder how much overhead all this investigating will cost, cause it will be passed on to us!
This is the same company, who won't let me have my albuteral when I need it, I paid my last script out of pocket, beacuse I was 3 days early and the insurance wouldn't cover me until the day they say I can have it.
Fifth and final thought, when does their BS rationing cost someone thier life?
January 3, 2014, 1:44 pmJap, I'm going to mow your lawn
Just opened my mail today.
Received a letter from my car insurance company...
Dear Mr. and Mrs Sully16
We have some great news, first Thanks you for your business.
The state of Michigan requires drivers to carry Personal injury protection ( pip) benefits as a mandatory part of automobile insurance. This unique coverage provides comprehensive benefits in the case of an auto-related injury.
WHY AM I RECEIVING THIS LETTER?
Because your auto policy is currently providing you with " EXCESS MEDICAL COVERAGE" This means if you are injured in an auto accident your health insurer is the ( PRIMARY) payor and is expected to pay your medical bills first, We ( insert company name) is the excess payor and is expected to pay your medical bills only after your health insurer has paid.
Because ( insert company name) is designated as the excess medical coverage payor, you are receiving a discount on your auto insurance.
Health insurance plans are constantly changing, especially group plans offered through employers. Many major health insurance carriers in Michigan are no longer providing primary medical coverage for auto-related injuries. Because of this , we need to verify that auto insurance policies with excess medical will actually be paid first by your health care provider, Again, the reason is that customers with excess medical coverage, such as you, receive a discount based on ( company name) being the excess payor.
WHAT SHOULD I DO NEXT
In order to retain your discount, we need to verufy you are still eligible for the " Excess medical coverage" dicount.
To do so, we need documentation to verify that your health provider is the primary payor,Acceptable documentation would include a copy of your health insurance plan and verification of coverage from your health insurer.
Unless you verify eligibility your renewal will automatically change your PIP from excess to "Primary" at your upcoming renewal. A premium INCREASE will occur as a result of no longer being eligible for this discount.
October 9, 2013, 9:43 amIt's here!!
We all have been hearing about the upcoming rationed healthcare, well , it's here.
We have insurance through my husbands work, we have medical, dental, optical, we pay through the A$$ for this.
Our Dental will now be rationed, on our old plan we were allowed 2 family check ups per year, with a 80/20 co-pay, we will no longer be allowed to have 2 check-ups, if we want the second check up, we must pay the whole thing.
Wow, First of all, I have had 3 root canals, being a former smoker I did damage to my gums, my fault completely.
I made a vow when my son was born, that he would never have the pain or cost of dental procedures, like me.
He is 13, and had no fillings, no cavities, no need for braces. My best kept promise.
I not here to pat myself on the back for being the best mom I can be, but cavities happen, and a 6 month check up can help find a problem early.
The receptionist, wasn't pleased with my compaint, she informed me that many people don't have medical or dental insurance, KISS MY AZZ B*tch!
We pay for this, it is not my fault that others don't have dental insurance, it is not my fault that others don't practice good oral health, or teach their kids to brush and floss, and I am now going to pay more for less coverage, I feel this is the tip of the iceberg thanks to obamacare, insurance companies will run amuck with new rules and cost cutting measures. THIS IS RATIONED HEALTHCARE.!!!!
I truly feel bad for anyone with a toothache, really I do, it is the most aweful pain, for a child to have to go through that kind of pain is heartbreaking.
An abcess tooth can be life threatening if the infection spreads to your heart or other vital organs, don't wish this on anyone.
But, and this is a big but! We not only practice preventive measures, we pay everyweek out of my husbands check, that means we sacrifice, we go without the things we want, to make sure we have the things we need. Many are unwilling to pay for this even when the have jobs that offer it.
It is not okay for the government to force me to pay for those who don't have dental or medical, it is not okay to punish me for the actions and bad choices of others, and in the same breath limiting my healthcare.
Now, think about this, at what point does the government get tired of paying for those who don't take care of themselves, what happenes to the takers when they have taken to much, and how will those children suffer then!
September 23, 2013, 8:10 pmDeath Rates
2012- 2,468.435 people in the US DIED
HEART DISEASE- 597,689
CHRONIC RESPIRTORY 138,080
DIABETES ONE AND TWO 69,071
NEPHRITIS, NEPHROTIC SYNDROME 50,476
INFLUENZA AND PNEUMONIA 50,097
This is a top 10 list, other causes, Homocide, snake bites, bee stings, allergic reactions, food poisoning etc.
All this data can be broken down by age, race gender etc.
Out of the roughly 2 and half million people who died from these causes, maybe, just maybe 45,000 didn't have health insurance.
Insurance didn't save anyones life here.
There are roughly 300 million people in America, 30 million lack health insurance.
Number one reason they don't have health insurance
They don't f*cking work.....
They are illegal......
They actually have jobs and choose not to pay for it.
These are the people who run to the emergency room for every little sniffle, Most know they will be covered by Medicaid, medicare, Paid for by us, the people who work and pay taxes and pay into Medicare.
Some of these people won't qualify, so they are stuck with medical bills, most will find a way to skip out, thanks to these people, they cause higher costs for the rest of us.
Sorry you don't have health insurance, actually, I am sorry your children are stuck with crappy good for nothing parents, yep, that would be you.
At no point did anyone cause your bad choices and decisions, BUT YOU! YOU ARE RESPONSIBLE FOR THE MESS YOUR IN!
Most of us are already sick of feeding you, paying your rent, utilities, cell phones, And just who do you think pays for your maternity ward stay.
Now you want a law thats going to force us to give you health care, you want us to pay for your poor choices.
Take another look at the leading causes of Death, starting with heart disease, most is caused by obesity, poor eating habits and lack of exercise, smoking.
More of your bad habits, no, I am not paying for your shunts and bypasses because you couldn't put the F*cking fork down and go for a walk.
We are sick of taking care of you.
May 31, 2013, 12:25 pmJune 1, 2013 lives destroyed
Tomarrow 6-1-13 Millions of part time Americans will lose their health coverage due to Obamacare, and to add insult to injury, they will not be allowed to work more then 30 hours per week, Oh! it gets better, they will have to purchase higher costing rationed healthcare or pay the tax, which could cost some families thousands. Now for the shovel to the head, they have a higher percentage of Federal and Social Security coming out of thier checks, many of these people won't see the full 30 hours now, where I work to make it fair, we will be working three 8 hours shifts or four 6 hour shifts, thats 24 hours, we won't be hiring, to make up the difference, no, we will be short handed at night, so we have leeway incase we have to stay over, so some of us may get up to 26 hours.
If we do need to hire, it will be high school kids, as they are not allowed to work more then 20 hours, they will do everything to keep adults with children working as much as they can.
If you do not buy healthcare and you do not pay the tax, keep in mind the government can go into your accounts and take the money, if you have direct deposit for your tax refunds, they got your number.
For all the people whose lives will be thrown into turmoil and poverty, I am sure they are giving a big hearty thanks to all of you who screwed us over.
May 29, 2013, 1:34 pmNative Americans
They finally gave us Constitutional rights, now they are taking them away.
They gave us some of our land, but they won't let us develope it!
They Mock the Great Spirit, and have no respect for life.
And now they use Sitting Bull, as some sort of disrepectful sick joke.
My people were killed by the thousands because of greedy men, I tell you from my heart, those same men are back, only now they have more weapons.
February 7, 2013, 11:42 amJust had our taxes done
They took it all.
November 11, 2012, 9:15 amMoney saving tips part one
Mid fall and already the utility bills are creeping up, I compare my usage from a year ago, that also seems to creep up a little.
Let's start with electricity,
First, unplug any cell phone chargers, battery chargers and lap top chargers, they draw juice even when not in use.
Second, if you got a vcr player or dvd player you don't use unplug it, the clocks on these devices still draw juice.
Third, I always unplug the coffee maker and Microwave, the clocks still draw juice.
We have battery operated clocks, been through enough power outages to know this was a must.
Get everyone in the habit of shuting off lights, kids will practice this if you teach them the right way.
Check the settings on your refridgerator temprature gauges, invest in a thermometer, the freezer should be 0 degrees and the fridge should be between 37 and 40 degrees.
Try getting laundry done in early daylight or just before dusk, I never have to turn lights on to do laundry.
I also wash most clothes in Cold, add a couple tablespoons of baking soda to the water, works with the soap better in cold water.
As you know, the washer can get way a head of the dryer, I always start with towels then go to jeans, I hang them on a clothing rack to air dry for a while, by the time they make it to the dryer, I'ved cut down the time by about 20 minutes.
Also check you lint trap, your dryer needs the airflow to work better, wash your lint trap from time to time to unclog the build up from fabric sheets and softeners.
When I have time in the summer, I will hang things outside, I know, theres not always time, but the real heavy items, can make it worth the effort.
Keep your vents clean, especially the cold air returns if you have them in your house, makes your furnace work more effcient if the cold air has somewhere to go.
We have wood stoves, not fireplaces, but wood stoves, best investment we ever made, keeps the house toasty till we turn in for the night, A cord of wood is fairly cheap, we have relatives with lots of hardwoods on their property, so we chop our own, in the spring we help maintain an area where more trees can grow, yes more trees will pop up, just got to keep the weeds down.
Check your windows and doorframes, caulk as needed and replace worn weather stripping around doors, A rolled up towel or rug works great for drafty areas.
For easy meals, I no longer load up the dishwasher, just wash them up quick and be done with it, you will save big, when I cut down on the dishwasher usage, I saw a drop of 17 dollars, and this was during august, peak air conditioning usage.
See what you can do to reduce your electric and gas bills.
November 9, 2012, 12:12 pmWe will no longer
The old cliche, Money talks, and BS walks, Many of us who work and support this economy, all the while an inept government spends our money recklessly. We will have the most massive tax hike in history crammed down our throats January 1, 2013.
A healthcare law that was signed by incompetant people who never read it, taxes so massive many will be crushed, a healthcare law , that is nothing more than price controlled rationed healthcare, 2 big winners, the insurance companies and the government, you buy the insurance or you pay the tax.
The losers, the tax payer for sure, small business, seniors, the terminally ill, once you reach your limit, thats it, your now banking on the generousity of hospitals and doctors, not many will be willing to go bankrupt treating you.
I predict, that we will probably see the highest mortality rates in the next 4 years than ever before, culling the population, Those of you who will get the healthcare for free along with your food, you might want to consider with your so-called inabilty to pay for the overage, that you might be on the lowest rung of the ladder, you voted for it, thank youself when your diagnosed with a terminal disease and all they will do is make you comfortable, Thats how government healthcare on the reservations work, Highest mortality rates in the world, tried to tell you, but you had potatoes in your ears.
Well with the gloom and doom being said, I and many of my friends and family will have to offset for the higher taxes we're going to get stuck paying, so we are taking steps now.
First, no more eating out, we'll save money and gas.
No more music cd's,
No more going to the movies, and let me tell you, thats a tough one, beacuse my Breaking Dawn part 2 comes out in a couple days, but oh well, Bella and Edward will have to do battle with the Volturi Vampires without me, As the blood sucking leeches in real life have left me with no choice if I wish to remain able to keep a roof over my head and food on the table.
No more books, we can walk up to the library.
No more impulse buys and my lottery money has been slashed.
Now what is all this offsetting going to do, and mind you, there are millions just like me, well it will hurt the economy.
It is not my intention to hurt small business, I was left with no choice.
November 7, 2012, 1:14 amYes, you can gloat.
Yep, the biggest fraud in US History has won, I spent the day at work listening to giant piles of Sh^t bragging how they voted to keep their welfare, they would rather have someone elses money instead of making their own, they are nothing more than lazy thieves, How proud you must be. I heard people jumping for joy at the free healthcare they would receive, yes, happy someone else will pay their bills, How proud you must be.
We needed jobs and better education, you turned it down, well the money has run out, and still you didn't listen, still your to stupid to see past your own sense of sick twisted sense of prosperity. How proud you must be.
Many of you think this is some sort of win for minorities,, some sort of sick twisted payback, How proud you must be only for one reason,, as a minority myself, I don't see a win, I can't be bought, bribed , bullied , What happened to my people is happening to the rest of you, Yes, you really are to stupid to see history repeating itself.
Things will get much worse, you were to stupid, arrogant and selfish to see past the BS, you willfully chose to ignore the wrongs , you are now just as guilty of treason as those who intend to prohibit our freedoms and rights.
Wait until you see the price of food, oh yes, now they can go through with all the stuff they couldn't do before now, Are you prepared ? Nope , most of you are really that F*cking dumb.
Sore loser, you bet, but it wasn't my future I was concerned with, our kids and grandkids will be the biggest losers, the future for them is looking real dim, and all you a$$holes helped, you screwed the future for you own, job well done.
November 3, 2012, 11:26 amIrish Prayer
May God give you...
For every storm, a rainbow,
For every tear, a smile,
For every care, a promise,
And a blessing in each trial.
For every problem life sends,
A faithful friend to share,
For every sigh, a sweet song,
And an answer
for each prayer.
My thoughts and prayers to all the good folks on the east coast who are suffering, May your troubles be over soon.
November 2, 2012, 7:06 pmoops, Guess who else has a Swiss Bank account ?
And Accounts in the Grand Caymans
If you said
Barack Obama, you would be correct.
Side note, If you condemn one, you have to condemn the other.
Get all the facts.
November 2, 2012, 8:20 amRomney 7% lead in early voting
Need I say more!
November 1, 2012, 9:45 amActual Electoral college
Toss up 95
Voters 18-25 dead heat 49 to 49
October 18, 2012, 8:19 pmDetroit Tigers sweep Yankees
The Detroit Tigers sweep the Yankees in 4 and advance to the world series.