Search found 1015 matches

by toofache32
Mon Jan 15, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Owning house in a trust?
Replies: 9
Views: 858

Re: Owning house in a trust?

Any asset protection advantages? Maybe it depends on the type of trust?
by toofache32
Sun Dec 31, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 285
Views: 32494

Re: Netflix, Your Current Favorite Show

I think I'm the last person on earth that cannot get into all these TV shows. Netflix used to be movies, but its getting harder and harder to find actual movies. Just more and more TV shows. I cannot watch these because there is no closure. I tried breaking bad and walking dead at the recommendation...
by toofache32
Sun Dec 31, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: wireless earbuds for exercise - airpods or ??
Replies: 28
Views: 1795

Re: wireless earbuds for exercise - airpods or ??

Are the airpods waterproof? For those who run in the rain?
by toofache32
Sat Dec 30, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: wireless earbuds for exercise - airpods or ??
Replies: 28
Views: 1795

Re: wireless earbuds for exercise - airpods or ??

My requirements for Bluetooth headphones are that they have to have good sound, good fit, and that I can advance or repeat songs and adjust volume right on the headphones without having to touch my smartphone or watch. That's why I like my SoundPEATS Wireless Headset Stereo Neckband. TravelforFun I...
by toofache32
Sat Dec 30, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 9200

Re: I Want to Buy a Horrible, Expensive Car

NYCguy wrote:
Sat Dec 30, 2017 12:00 am
Go for it if you want it. You can afford it. I am 4 years into a Cayenne and LOVE the truck.
I'm trying to understand how a Cayenne could be confused with a truck.
by toofache32
Fri Dec 29, 2017 12:57 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15599

Re: Do people still use AAA?

So in summary, there is no actionable answer to avoid a dead battery since we're just playing the odds.
by toofache32
Fri Dec 29, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15599

Re: Do people still use AAA?

Getting a battery from AAA is convenient . However, I believe you can get a better battery for less money elsewhere . Huh? If "elsewhere" is a 6 mile walk down the road into town, I'll choose convenient. The AAA issue in this conversation is for stranded motorists , not the guy who let his old car ...
by toofache32
Thu Dec 28, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15599

Re: Do people still use AAA?

Getting a battery from AAA is convenient . However, I believe you can get a better battery for less money elsewhere . Huh? If "elsewhere" is a 6 mile walk down the road into town, I'll choose convenient. The AAA issue in this conversation is for stranded motorists , not the guy who let his old car ...
by toofache32
Thu Dec 28, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 92
Views: 9353

Re: Any Instant Pot users here?

Lol. Is it only me who thought it was a new kind of POT. Nope I did too :oops: would have been great to see a pot thread on BH. :D :D Agreed. After reading the title, this thread is a complete disappointment. I thought it would herald the opening of the Colorado sub-forum we have all been waiting f...
by toofache32
Thu Dec 28, 2017 1:10 am
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6448

Re: manual car for new teen driver

Do they still make manuals? What is the advantage over automatic? Other than race cars...
by toofache32
Thu Dec 28, 2017 12:59 am
Forum: Personal Finance (Not Investing)
Topic: 12k for PLLC tax setup? Advice appreciated
Replies: 3
Views: 299

Re: 12k for PLLC tax setup? Advice appreciated

Sounds like Cain Watters. Drop them quick because they are nothing but leaches. My dental group used them also before I bought in. Once I was able to show my partners how they provided no real services yet charged outlandish fees, we dropped them. They also brokered my buy-in transition. After the w...
by toofache32
Thu Dec 21, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Toys R Us online order warning
Replies: 21
Views: 1969

Re: Toys R Us online order warning

Pretty obvious BK = Bankruptcy... Were you actually confused? Have never seen "BK" stand for 'Bankruptcy'.....anywhere. Chapter 7 or Chapter 11. I wonder why someone would use the "K" in bankruptcy. "BR" would reflect the phonetics that are inherent to single word abbreviations. Edit for spelling
by toofache32
Thu Dec 21, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: Toys R Us online order warning
Replies: 21
Views: 1969

Re: Toys R Us online order warning

I like Bangkok better.
by toofache32
Thu Dec 21, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Toys R Us online order warning
Replies: 21
Views: 1969

Re: Toys R Us online order warning

Not a surprise. You are aware they are in BK? Burger King? Big Kahuna?? British Kolumbia? Pretty obvious BK = Bankruptcy... Were you actually confused? Can’t speak for toofache32, but I was until I saw your post. Burger King is the only thing I’ve ever known to be called “BK” but I was at least abl...
by toofache32
Wed Dec 20, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Toys R Us online order warning
Replies: 21
Views: 1969

Re: Toys R Us online order warning

bob60014 wrote:
Wed Dec 20, 2017 9:56 pm
Not a surprise. You are aware they are in BK?
Burger King? Big Kahuna?? British Kolumbia?
by toofache32
Mon Dec 18, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Piano damaged when exercise bike installed
Replies: 13
Views: 1576

Re: Piano damaged when exercise bike installed

(Reminds me when a neighbor sent over a sewer repair guy and by the time I went out to the garden tp meet him, it was too late to stop him stomping on a plant in our garden. He killed a rare and endangered plant that I was ecstatic when I got one seed to grow - and he killed it with complete ignora...
by toofache32
Sun Dec 17, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Out of Network question
Replies: 37
Views: 2329

Re: Health Insurance Out of Network question

Of course the doctor knows who usually does the lab work since he gets the report back from the pathologist. I believe the lab/pathologist needs "orders" or a request from a doctor (even though someone else transports it). Yes the doctor gets the report back and sees the name of the pathologist. Bu...
by toofache32
Sat Dec 16, 2017 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Out of Network question
Replies: 37
Views: 2329

Re: Health Insurance Out of Network question

Maybe others have knowledge or views - but with such insurance plans (except for the captive HMOs) isn;t it very unusual that there is no provision whatsoever for out of network providers? The other part of research is to determine who, how and why this pathologist was used? Not unusual -- that is ...
by toofache32
Sat Dec 09, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Best FEDVIP dental insurance for braces/orthodontics
Replies: 7
Views: 514

Re: Best FEDVIP dental insurance for braces/orthodontics

Be careful with the federal plans. They pay notoriously low rates which can make it more difficult to find a quality provider.
by toofache32
Fri Dec 08, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Working in a secure area
Replies: 6
Views: 1450

Re: Working in a secure area

I agree most do not know what an emergency is. The concept of "personal business" has evolved with smart phones. I am an employer and we require employees to leave their phones in their locker because of prior abuse and immaturity. Constant texting and looking at that facetalk thing like zombies. It...
by toofache32
Thu Nov 30, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Dentist refusing to refer to specialist?
Replies: 19
Views: 2760

Re: Dentist refusing to refer to specialist?

I'm a dental specialist (oral surgeon) and understand the various issues. I have always felt that the patient (or parents) should be empowered to choose who they want to see and have always taken patients without a referral, without question. Most pediatric dentists do this as well and many are the...
by toofache32
Thu Nov 30, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: Dentist refusing to refer to specialist?
Replies: 19
Views: 2760

Re: Dentist refusing to refer to specialist?

He [the primary dentist] referred us to 3 different specialists as he doesn't have space for anesthesia work until May. My son will need work much sooner than that. I found a specialist from a local support group (who some of my colleagues used as well) and they will only take us up if the primary ...
by toofache32
Fri Nov 24, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Discovered debt
Replies: 63
Views: 7707

Re: Discovered debt

My friend has been married 25 years and keeps the finances with her husband separate, although they live in a community property state. She has been the sole support of the family all these years. She has been enabling him unknowlingly. If she was not there, he would have faced reality long ago. Th...
by toofache32
Thu Nov 23, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to negotiate a layoff?
Replies: 22
Views: 2383

Re: Is it possible to negotiate a layoff?

Dottie57 wrote:
Thu Nov 23, 2017 8:13 pm
I tried to talk my manager into laying me off, but he said no. I had pretty persuasive arguments but he would not bite.
Hilarious, as I am similarly confused by the original question! Since when is humor is allowed in the boglehead forum?? Be careful or you will be "moderated" to the abyss.
by toofache32
Wed Nov 22, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Paying cash for medical care - best practice?
Replies: 27
Views: 1902

Re: Paying cash for medical care - best practice?

As a doctor I highly recommend against this plan. A patient of mine signed up for Catastrophic insurance and subsequently got diagnosed with cancer.... I agree with this. I am a cancer surgeon who is not in network with any insurance. But patients still need insurance for the hospital because I tak...
by toofache32
Sun Nov 19, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 13193

Re: The valet smashed my Tesla into a brick wall!

At one of our restaurants that we go to often, I drop the family off, skip the “free” valet parking, and drive a half block or so to park myself. I have sometimes felt like a weenie for doing this. Nope, I'm with you. I don't want anyone driving my truck except for me. Same here. My truck is of sim...
by toofache32
Mon Nov 13, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: How does a mere mortal navigate healthcare/insurance issues
Replies: 55
Views: 6405

Re: How does a mere mortal navigate healthcare/insurance issues

What is the point of charging $2800 in the first place, if they will accept $180 in most cases? Do any other businesses/professions operate this way? This is the insurance game. Insurance bases many of their fees as a percentage of what is charged out. If the anesthesia group charges $180, insuranc...
by toofache32
Fri Nov 10, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5585

Re: Out of network care

Nobody will fault someone for going to the ER with a broken finger. The things that are problematic that I have seen in my hospital are chronic back pain for 6 months that they just started getting annoyed with, needing a Rx to refill their blood pressure medicine, and the ultimate was "I need you t...
by toofache32
Fri Nov 10, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5585

Re: Out of network care

Over the years, my experience is that it is much more frequent that a health/medical need is "urgent" as opposed to "emergency", although there can be an overlap of the two, depending on all the details. It is also often the case that the only place/facility for a lot of folks having an "urgent" ne...
by toofache32
Mon Nov 06, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5585

Re: Out of network care

Ahhh I know that scenario. 2 of the same procedure means the same code is submitted twice. I've gotten caught by this one too. If the code is the same, the insurance company will not pay for the same code twice in the same day. It's one of the insurance "gotchas". I had to eat it big on that one. I...
by toofache32
Mon Nov 06, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5585

Re: Out of network care

My experience is with multiple HMO's spans almost two decades. Your post was a generalization. The negative extrapolation to all HMO's implied in your post is invalid. Huh? You posted opinion, I posted fact. My original post was a factual description of the HMO business model supported by the links...
by toofache32
Sun Nov 05, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5585

Re: Out of network care

I agree with the above that your former characterization of HMO's is unfair. Having only used HMO's, I have had nothing but positive experiences. It might be unfair for your HMO, but I think my experience with multiple HMOs is just as valid as yours. My experience is with multiple HMO's spans almos...
by toofache32
Sun Nov 05, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5585

Re: Out of network care

I agree with the above that your former characterization of HMO's is unfair. Having only used HMO's, I have had nothing but positive experiences. It might be unfair for your HMO, but I think my experience with multiple HMOs is just as valid as yours. My experience is with multiple HMO's spans almos...
by toofache32
Sun Nov 05, 2017 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5585

Re: Out of network care

naha66 wrote:
Sun Nov 05, 2017 5:12 am
Toofache32
Do you have any medicare or medicaid patients?
Many Medicare, virtually no Medicaid.
by toofache32
Sat Nov 04, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5585

Re: Out of network care

I believe this is an unfair and inaccurate generalization. They will pay what the plan calls for in and out of network. Many folks here have posted positive experiences with HMOs (along with those who have negatives). You are correct, but almost nobody understands the plan they signed up for. You a...
by toofache32
Sat Nov 04, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5585

Re: Out of network care

Pajamas wrote: Over the past couple of years, I have had to take a web of complaints to the state department of health because of lack of follow-through on internal complaints I made to my current plan. This was just to get them to charge the correct co-pays as outlined in the subscriber contract a...
by toofache32
Sat Nov 04, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5585

Re: Out of network care

- you have a heart attack & go to the emergency room of a hospital on a Monday morning - they treat you in the emergency room, stablize your condition on Monday afternoon - they tell you they want you to stay in the hospital for a couple of days for observation - your HMO will pay for emergency roo...
by toofache32
Fri Nov 03, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Medical HMO out of pocket maximum
Replies: 24
Views: 1435

Re: Medical HMO out of pocket maximum

Medicaid reimbursement in general is much less and provider cannot balance bill, unlike Medicare. [/b] Provider can "balance bill" for Medicare? I thought that was not allowed?? "Balance billing" implies sending a request for payment in addition to what a 3rd party has already paid. Balance billing...
by toofache32
Fri Nov 03, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Medical HMO out of pocket maximum
Replies: 24
Views: 1435

Re: Medical HMO out of pocket maximum

Medicaid reimbursement in general is much less and provider cannot balance bill, unlike Medicare. [/b] Provider can "balance bill" for Medicare? I thought that was not allowed?? "Balance billing" implies sending a request for payment in addition to what a 3rd party has already paid. Balance billing...
by toofache32
Fri Nov 03, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5585

Re: Out of network care

- you have a heart attack & go to the emergency room of a hospital on a Monday morning - they treat you in the emergency room, stablize your condition on Monday afternoon - they tell you they want you to stay in the hospital for a couple of days for observation - your HMO will pay for emergency roo...
by toofache32
Thu Nov 02, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Medical HMO out of pocket maximum
Replies: 24
Views: 1435

Re: Medical HMO out of pocket maximum

Just learned we only have HMO plans available to buy from the marketplace. That too provided by one of the local welfare/Medicaid options, YIKES! Fascinating how the public views Medicare and Medicaid as being vastly different. From the doctors/hospital perspective, they are the same. While Medicai...
by toofache32
Thu Nov 02, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 5585

Re: Out of network care

- you have a heart attack & go to the emergency room of a hospital on a Monday morning - they treat you in the emergency room, stablize your condition on Monday afternoon - they tell you they want you to stay in the hospital for a couple of days for observation - your HMO will pay for emergency roo...
by toofache32
Tue Oct 31, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: Cataract billing issue - anesthesiologist
Replies: 64
Views: 7279

Re: Cataract billing issue - anesthesiologist

Just curious, what is your disability? There is a difference between being on disability and being disabled. Options vary depending on this issue. And what options would that be that vary depending on what my disability is? As I said in a prior post, it depends on the specific disability. Many opti...
by toofache32
Tue Oct 31, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Cataract billing issue - anesthesiologist
Replies: 64
Views: 7279

Re: Cataract billing issue - anesthesiologist

I had cataract surgery recently on both eyes (I'm under 60, but had LASIK a long time ago and I feel this caused my cataracts or at least brought them on earlier, but that's besides the point - I'm also on disability , so I have a Medicare advantage plan). I recently received two separate letters f...
by toofache32
Sat Oct 28, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Medical Billing question
Replies: 17
Views: 1309

Re: Medical Billing question

It is very common for follow-ups to preventive appointments to be billed. It is very possible that the old practice has more friendly billing practices and did not charge this, or simply took that the insurance paid for the visit and did not bill a balance. New company may be more "by the book" to ...
by toofache32
Fri Oct 27, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: Dental Question [Is recommended procedure legit?]
Replies: 14
Views: 1940

Re: Dental Question [Is recommended procedure legit?]

I suspect your are going to a corporate office. A corporate office does NOT have your best interests at heart, only theirs. Go to a dentist who is the owner. Corporate offices staff their clinics with dentist who are worker bees that have no stake in the practice long term. Many of them know they wi...
by toofache32
Fri Oct 27, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Medical Billing question
Replies: 17
Views: 1309

Re: Medical Billing question

I'm confused. Are you expecting the follow up visit to be for free?
by toofache32
Fri Oct 27, 2017 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Dental “insurance” – a different model
Replies: 13
Views: 1744

Re: Dental “insurance” – a different model

Two reasons. First, even after the coverage limit is reached, patients with dental insurance are assessed a lower, contracted rate than are persons without dental insurance. Depends on your state. Some states require the in-network dentists to work for these discounted rates even though the insuran...
by toofache32
Tue Oct 24, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Heading to ER, surprise bills [update: home again]
Replies: 44
Views: 5814

Re: Urgent! Heading to ER, surprise bills

A year ago I fell & broke both wrists. Off to the ER, surgery & home to recover. A few weeks later, the bills started rolling in. I have a HDLP plan & paid bills except the anesthesiologist statement, which indicated it was with the insurance company being reviewed (billing told me not to pay yet)....
by toofache32
Tue Oct 24, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Heading to ER, surprise bills [update: home again]
Replies: 44
Views: 5814

Re: Urgent! Heading to ER, surprise bills

From Healthcare.gov: Out-of-network emergency care is covered under all insurance plans sold after March 23rd, 2010 as part of Ten Essential Benefits under the Affordable Care Act. Insurance plans can't require higher copayments or coinsurance if you get emergency care out-of-network and they canno...