Search found 3438 matches

by sawhorse
Thu Nov 14, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Insurance coverage outside the US
Replies: 4
Views: 290

Re: Insurance coverage outside the US

It all depends on the plan. Check your plan documents.

If your plan doesn't cover it, it would be wise to get travel insurance. I'm sure people on this board can help you with that.
by sawhorse
Sat Nov 09, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 3974

Re: shocking hospital fee estimate

Triple check that EVERYTHING is going to be in your network. The other risk is that your anesthesiologist calls in sick the morning of the surgery and another anesthesiologist stands in. EXCEPT this doctor is not in your network, now you get to pay the $3k that you thought would be $2k PLUS an out ...
by sawhorse
Sat Nov 09, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 3974

Re: shocking hospital fee estimate

Triple check that EVERYTHING is going to be in your network. The other risk is that your anesthesiologist calls in sick the morning of the surgery and another anesthesiologist stands in. EXCEPT this doctor is not in your network, now you get to pay the $3k that you thought would be $2k PLUS an out ...
by sawhorse
Sat Nov 09, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2397

Re: Question on refilling prescriptions

I did the pill-splitting thing once, with a cholesterol med. It wasn't time released or coated, etc., so splitting theoretically worked. Bought a pill-splitter from CVS. Even though the pills were scored, they hardly ever split 50/50. Most of the time it was 60/40 or worse. Oftentimes, the pills cr...
by sawhorse
Sun Nov 03, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: Where to get good women’s suits?
Replies: 7
Views: 750

Re: Where to get good women’s suits?

Macy's usually has good women's suits, and they often have sales.
by sawhorse
Tue Oct 22, 2019 12:30 am
Forum: Personal Consumer Issues
Topic: BCBS wont pay lab bill...
Replies: 44
Views: 4108

Re: BCBS wont pay lab bill...

Physicians always know if a test they order will be reimbursed by the insurance company and specifically by the patients insurance company. This is normal every day practice. You just can't have a doctor send an esoteric/experimental test without explaining to the parents/patient that this test mak...
by sawhorse
Tue Oct 22, 2019 12:21 am
Forum: Personal Consumer Issues
Topic: Second Opinion for Dental Procedure/Cost (Crown)
Replies: 13
Views: 1370

Re: Second Opinion for Dental Procedure/Cost (Crown)

My husband had a good experience getting a second opinion from a dental school. They don't have a financial incentive to tell you that you need work that you don't. My husband was told by his private practice dentist that he needed 7 fillings. It sounded fishy, so he went to a dental school, and the...
by sawhorse
Sun Oct 20, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: GPS to stop working on older phones Nov 3?
Replies: 25
Views: 3628

Re: GPS to stop working on older phones Nov 3?

Afty wrote:
Sun Oct 20, 2019 3:48 pm
If click through to the more detailed links from the Verizon page, it looks like some of the phones on that list will continue to work as long as you have the latest updates. The iPhones for example.
Not my phone :annoyed
by sawhorse
Sun Oct 20, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: GPS to stop working on older phones Nov 3?
Replies: 25
Views: 3628

Re: GPS to stop working on older phones Nov 3?

GPS isn't the only satellite navigation system up there. Russia has GLONASS, Europe has Galileo, China has Beidong. Most older phones can use both GPS and GLONASS for navigation. Most newer phones will be able to use GPS, GLONASS, and Galileo. Very new International phones might be able to use all ...
by sawhorse
Sat Oct 19, 2019 11:08 pm
Forum: Personal Consumer Issues
Topic: GPS to stop working on older phones Nov 3?
Replies: 25
Views: 3628

Re: GPS to stop working on older phones Nov 3?

I knew about the reset but not the possible impact on some phones. After looking at the links, I think it is both real and a ploy. For instance, the iPhone 5 is on the list. But if you just make sure you have the latest update available for that phone, Apple says it will be fine. I see that Verizon...
by sawhorse
Sat Oct 19, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: GPS to stop working on older phones Nov 3?
Replies: 25
Views: 3628

GPS to stop working on older phones Nov 3?

I got a message from Verizon to this link about "GPS week number rollover". It says that GPS may no longer work on older phones starting Nov 3. It affects all carriers. The link has a list of affected phone models, and mine is on there. https://www.verizonwireless.com/legal/notices/global-positionin...
by sawhorse
Sat Oct 19, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: SAT/ACT prep courses worth the money?
Replies: 47
Views: 3125

Re: SAT/ACT prep courses worth the money?

I got a 1600 on the first try. No test prep classes. I took some practice tests, and I think that was helpful. You need to get the actual College Board practice tests. There is no substitute for the real thing. I also tutored some local kids, and their scores all rose considerably. I tutored only us...
by sawhorse
Tue Oct 15, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 55
Views: 5575

Re: Doctors charging for things outside of insurance, is this Kosher?

You have a presumably busy physician putting his schedule on hold for you. They're going through the trouble of providing you the safest option. There are likely providers out there that would tell you it's less than 50/50 and to just go ahead and recommend the procedure. Don't think you would like...
by sawhorse
Tue Oct 15, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 55
Views: 5575

Re: Doctors charging for things outside of insurance, is this Kosher?

As elective medical care, you can’t expect all to be covered by insurance, nor a doctor to work for free. And many docs have a no show fee, I dont think you are being nickel and dimed. Be glad you can afford such elective medical care and pay for it. This sounds as if it's a case in which insurance...
by sawhorse
Tue Oct 15, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 55
Views: 5575

Re: Doctors charging for things outside of insurance, is this Kosher?

Was this fee disclosed in advance of you and your wife seeking IVF treatment? I think a cancelation fee is appropriate if the patient doesn't show up just because, but in this case it sounds like you won't know if you need the surgery until the day of. I find the fee less appropriate in those circum...
by sawhorse
Fri Oct 11, 2019 8:51 pm
Forum: Personal Investments
Topic: Need help with 403b
Replies: 16
Views: 902

Re: Need help with 403b

What is the yield on the stable value fund?

How much will you be contributing per year?
by sawhorse
Wed Oct 09, 2019 9:29 pm
Forum: Personal Investments
Topic: Bonds - Roth IRA or 401k?
Replies: 9
Views: 665

Re: Bonds - Roth IRA or 401k?

One consideration is whether you are using your Roth contributions as an emergency fund. If so, I would leave your contributions amount in bonds so that the risk of loss is much lower. Financial emergencies are more likely to occur during market downturns.
by sawhorse
Fri Oct 04, 2019 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Accurate long-term disability statistics
Replies: 14
Views: 1036

Re: Accurate long-term disability statistics

With disability insurance, just as with life insurance, far more people won't use it than will use it. I recommend getting disability insurance because the stakes are too high if you do get disabled. Furthermore, it sounds like you can get a policy. That might not always be the case as they can deny...
by sawhorse
Thu Oct 03, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 46
Views: 4430

Re: Mouse in the house

I have used the old victor snap traps and other snap traps, but until last year they were successful. Then for some reason the bait was being eaten without setting off the trap, no matter what bait I used or how sensitive I made the trap. So I got this... https://www.amazon.com/Humane-Mouse-Trap-Th...
by sawhorse
Thu Oct 03, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Risks with seeing out of network dentist?
Replies: 22
Views: 1377

Re: Risks with seeing out of network dentist?

Risks with seeing out of dentist? The same as the risks with seeing an in-network dentist. Dental prices are MUCH more transparent and much simpler than medical prices. Ask for a written price in advance and decide if that's acceptable to you, simple as that. If the dentist suggests more work, ask f...
by sawhorse
Thu Oct 03, 2019 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: [When my children marry, should they sign a pre-nuptial agreement?]
Replies: 95
Views: 7995

Re: Daddy I'm engaged! Pre-nup?

msk wrote:
Thu Oct 03, 2019 4:06 pm
Half of marriages end in divorce or so I hear.
That's not really true. It's about 1/4. So still a high number, but not the random coin toss that the oft-repeated statistic suggests.

https://www.psychologytoday.com/us/blog ... in-divorce
by sawhorse
Thu Oct 03, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: For those who see doctors 3~5 times a year, your medical costs between ACA and Medicare?
Replies: 15
Views: 1831

Re: For those who see doctors 3~5 times a year, your medical costs between ACA and Medicare?

This is a profound statement. I consider myself healthy and lead a healthy life with minimal healthcare expenses. But a sudden illness can strike anybody and at any time. Yesterday, I was shocked to learn that the author Robert Greene had a stroke at the age of 60. The most unsettling thing is that...
by sawhorse
Thu Oct 03, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: [When my children marry, should they sign a pre-nuptial agreement?]
Replies: 95
Views: 7995

Re: Daddy I'm engaged! Pre-nup?

One thing I might do is to suggest or inform my adult child getting married of the possible benefits of not intermingling all of his/her accounts/funds with his/her spouse after marriage. In most states, having separate accounts does not mean that the state views those accounts as separate in divor...
by sawhorse
Sat Sep 28, 2019 5:47 pm
Forum: Personal Investments
Topic: Workplace plan changing from Fidelity to TIAA or DCP (ICMA-RC) (Virginia)
Replies: 8
Views: 708

Re: Workplace plan changing from Fidelity to TIAA or DCP (ICMA-RC) (Virginia)

You have a great list of fund choices. You're knowledgeable about basic index funds, so I won't discuss that. Two unique TIAA options are their real estate fund and their Traditional fund. The real estate fund is not a REIT. It's a direct stake in real estate properties. Very unique fund. As you're ...
by sawhorse
Sat Sep 28, 2019 5:41 pm
Forum: Personal Investments
Topic: 403(b) choices
Replies: 5
Views: 329

Re: 403(b) choices

You really have to look at the individual funds list of each provider. Sometimes a provider will have an awful line up of funds, and amid the awfulness there is a cheap index fund. I saw it with a previous employer. I also recommend looking at the current stable value yields.
by sawhorse
Sat Sep 28, 2019 1:03 am
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: How to Live on $350k (Income) in Hawaii
Replies: 68
Views: 7369

Re: White Coat Investor: How to Live on $350k (Income) in Hawaii

I think Nr 7 is the key: 7. Live like an average American, at least for a time. The problem is that our perception of what average is has been drastically altered by outside influence (instagram, facebook, inane TV shows ect) paired with the desire to be anything but average The 350k income sets yo...
by sawhorse
Sat Sep 28, 2019 12:44 am
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: How to Live on $350k (Income) in Hawaii
Replies: 68
Views: 7369

Re: White Coat Investor: How to Live on $350k (Income) in Hawaii

I agree it is ridiculous to have any trouble whatsoever living on $350K anywhere. But it is also a common issue among people making $350K. A large swath of the American populace would say that it's absurd for anyone to have any trouble living on $100k anywhere, yet we have many here who have claime...
by sawhorse
Fri Sep 27, 2019 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: How to Live on $350k (Income) in Hawaii
Replies: 68
Views: 7369

Re: White Coat Investor: How to Live on $350k (Income) in Hawaii

If you can't figure out by yourself how to live on $350k anywhere, even with a lot of student loans, you're stupid. You might be academically smart, but you're stupid in terms of life skills. I frankly would have a hard time trusting a physician with such a warped view. Not that I would be privy to ...
by sawhorse
Fri Sep 27, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

Contact your state insurance regulatory commission. I did this once when I was expecting to get hit with a high emergency bill and they were very helpful. Fortunately the doctor wrote it off. This is a self-funded plan. State regulators have zero jurisdiction. This is regulated on the federal level...
by sawhorse
Fri Sep 27, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

Remember that your insurance company may not define an emergency the same way that you do. You need surgery tomorrow or you might die is probably an emergency to you. But, depending on the circumstances, your insurance may not consider this an emergency for the purpose of allowing out of network co...
by sawhorse
Fri Sep 27, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

However, if this person has most of his assets in ERISA accounts, bankruptcy would thankfully not affect those at all. Have we established that this is the case? If he's been financially responsible and saving money, he likely has many assets outside retirement accounts. The fact that he's 63 and i...
by sawhorse
Fri Sep 27, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

This is how insurance works in this country. A lot of people like to blame the medical provider or hospital for this, but the problem lies with the insurance company failing to fulfill an obligation it has with its consumer that pays for protection. Frankly, self-funded employer plans sound like a ...
by sawhorse
Fri Sep 27, 2019 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

This is how insurance works in this country. A lot of people like to blame the medical provider or hospital for this, but the problem lies with the insurance company failing to fulfill an obligation it has with its consumer that pays for protection. Frankly, self-funded employer plans sound like a ...
by sawhorse
Fri Sep 27, 2019 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

Has anyone lived in the Netherlands? The basic premise of their health coverage is pretty similar to the Obamacare mandate. Coverage is provided by private companies, and everyone is required to purchase a private insurance plan. Subsidies are available based on income. Providers are not required to...
by sawhorse
Thu Sep 26, 2019 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

Physicians who refuse to be in networks to maximize their fees because they know they are not selected by patients directly are a very significant part of the problem. It's not just physicians, it's hospitals, emergency rooms, labs, ambulance companies. Those are usually the biggest gougers. The co...
by sawhorse
Thu Sep 26, 2019 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

willthrill, you are partially correct. Some of the large emergency medicine contract medicine groups are owned by private equity firms. Private equity firms aren't known for their free care. They purposefully remain out-of-network to maximize bills. Small democratic groups (locally owned) or physic...
by sawhorse
Thu Sep 26, 2019 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

I stopped taking call in the hospital a few years ago for the reasons you mention. I presented my financial consent forms to my hospital to inform patients I am not in-network with their insurance. My hospital refused to allow this because they deemed it unsavory to discuss finances in a time of ne...
by sawhorse
Thu Sep 26, 2019 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

southerndoc wrote:
Thu Sep 26, 2019 11:12 pm
We try to stay in-network for every insurance accepted by our health systems. One told us to take a 25% cut or leave it.
No doubt while raising premiums by double digits! :annoyed
by sawhorse
Thu Sep 26, 2019 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

This is how insurance works in this country. A lot of people like to blame the medical provider or hospital for this, but the problem lies with the insurance company failing to fulfill an obligation it has with its consumer that pays for protection. I think there is culpability all around. What can...
by sawhorse
Thu Sep 26, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

If your insurance paid market rates, this would not be an issue and all providers would sign up. What are market rates for situations in which the patient does not know the price in advance and doesn't get to choose the provider/facility? Not a rhetorical question. My psychiatrist's rate of $250 an...
by sawhorse
Thu Sep 26, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

One exception is an uncommon situation where an insurance company labels a procedure as “experimental” and does not cover it at all. These are not emergency procedures but usually one’s last resort to try in a terminal condition when all other options have been tried or rejected for some reason. In...
by sawhorse
Thu Sep 26, 2019 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

My psychiatrist is out of network, and he clearly states his fees on his website. Patients look at those prices and then choose to go to him or not. That is a free market price. He couldn't get away with treating a patient and then sending them a bill for thousands. When you are in a hospital, you ...
by sawhorse
Thu Sep 26, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

The other defense is to be sure your insurance has an out-of-network, out-of-pocket maximum you can deal with if the worst case materializes. Some insurance has no max for out of network care, and some does not cover it at all. The out of network maximum often (usually?) only applies to insurance r...
by sawhorse
Thu Sep 26, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

Physicians who refuse to be in networks to maximize their fees because they know they are not selected by patients directly are a very significant part of the problem. It's not just physicians, it's hospitals, emergency rooms, labs, ambulance companies. Those are usually the biggest gougers. The co...
by sawhorse
Thu Sep 26, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4982

Re: Protection From Catastrophic Medical Costs When Fully Insured

Your relative's scenario reminds me of this recent video. In the case of the video, one major problem was that the insurance deemed the procedure not an emergency when the doctor said it clearly was. https://youtu.be/VZKn-pNJfIw It's a tragedy that someone who has worked hard his entire life, who is...
by sawhorse
Tue Sep 24, 2019 9:47 pm
Forum: Personal Consumer Issues
Topic: Is it out-of-style for business women to wear pantyhose?
Replies: 19
Views: 4485

Re: Is it out-of-style for business women to wear pantyhose?

I haven't worn pantyhose since I was 14. I got rashes all the time from them and thus stopped. If you wear a long dress, I imagine it would be fine. If you wear a short skirt, there might be a few stuffy old guys who disapprove. I've always gotten around the issue by wearing pant suits. There are so...
by sawhorse
Tue Sep 24, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 30
Views: 2122

Re: Healthcare sharing programs

My biggest concern with healthshare ministries is that they often have very limited coverage for prescription drugs. Sometimes they'll cover 45 days or 3 months of a prescription for a new condition, and after that, you're on your own. Sometimes they don't offer any coverage at all. Prescription dru...
by sawhorse
Mon Sep 23, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Letter from Amex - scam?
Replies: 34
Views: 3908

Re: Letter from Amex - scam?

Update:

Last week I received a check from Amex for the amount in the first letter, and the check cleared, so it turns out to have been legitimate.
by sawhorse
Thu Sep 19, 2019 11:56 pm
Forum: Personal Consumer Issues
Topic: Blue Apron for a sick friend?
Replies: 41
Views: 2483

Re: Blue Apron for a sick friend?

Diet To Go is another place that delivers complete frozen meals.

What about using a restaurant delivery service? Or maybe just survive for a few weeks on things you can microwave and prepared foods from the grocery store. Not healthy, but it would only be a few weeks.