@quixotic120
@lemmy.worldSpeed or mallrats depending on what kind of vibe you’re going for
edit: upon reflection I will change my Sandra bullock movie to “the net”. Terrible, but strong 90s vibes
your scenario is either worded incorrectly or very atypical (which is very possible, there are a lot of different insurance plans in the us
typically high deductible plans work in a way of “meet your deductible and then we cover x% after that”
eg I am a therapist, I bill your insurance $100 for an hour session. You have a $1000 deductible with 80% coinsurance.
Our first 10 sessions will cost you $100 out of pocket, which goes to me directly. I submit billing for these sessions but get no reimbursement from the insurer because you have already paid the full amount. However, my submission of billing indicates to the insurer that you paid $100 for a medical service on whatever date for whatever diagnosis.
After the $1000 deductible is met your insurance splits the bill with you 80/20. Now you pay me $20 per meeting and when I submit the billing the insurance (hopefully) pays the other $80 to give me the $100 per meeting I am owed.
This of course assumes no other medical spending goes on for the duration, otherwise you would hit your deductible faster. If you saw me 3x and then had a surgery that cost $5,000, you’d pay $700 for the surgery to settle your deductible plus an additional $860 (20% of the remaining $4300) and then sessions would be $20 under the 20% coinsurance.
You should also have an out of pocket max, this is kind of similar to a deductible but it is different. This is a tally of your total spending and once you hit it your coinsurance usually drops and you pay nothing.
Also important point is that deductibles reset every plan year. This should have been made abundantly clear to you but I still encounter many who do not know this
Additionally your insurance may have certain services covered that don’t cost you anything or where the deductible doesn’t apply (eg you’d only pay 20% even if it’s the first appointment of the year). Typically this is preventative care, things like physicals and vaccinations
That is the most typical. But like I said it there are many plans and variations. It’s possible you have a plan that prior to meeting the deductible you pay 50% of billing and then have a 0% coinsurance. This would be really great insurance.
It’s also possible that you have a benefits package from your employer that is basically paying 50% of your deductible in a roundabout way. this is far more commonly done by the employer funding an hsa/fsa account which would be a payment card that you use on medical spending and not the insurer. However, I have encountered plans where the hsa and insurance were rolled together and joint companies, where the hsa would pay all or part of billing prior to deductible on the patients behalf
Using the same examples above you’d pay me $50 until you met your deductible, then nothing once the deductible is met. If you had a $1000 deductible, saw me twice, then had the 5k surgery you’d pay me $100 and $900 for the surgery. If you have one of the situations where the employer is covering 50% of the deductible it would be the same but the surgery would be $400 because ultimately you’re only paying $500 of the $1000 deductible and your employer is covering the other half. This is not a situation I’ve ever encountered
Another important point is that deductible status is dependent on your providers doing timely billing and your insurance processing said billing in a timely manner as well. This does not always happen. As a result you may meet your deductible but my billing verification shows that is not the case. The examples I used above were clean and easy but it’s never that simple. Most people have a deductible around $2500 (and many 2-4x this) and see several different healthcare services.
I submit my billing at the end of each day but some places are sloppy and will take weeks to submit. This can lead to situations where you are charged money because I was under the impression you had a deductible but you should not have been. Eventually the insurer will pay me once things sort out. If I am good at record keeping (I am great at it for this reason) I will catch the double payment and send you a refund. This is why it is important for you to keep track of deductibles and medical spending. Not all offices are managed well. I’ve personally had money stolen from me (because this is literally fraud, to not refund the double payment) and I don’t believe it was ever intentional, just offices with shitty management. Let your providers know if you’ve met your deductible. I will always hold off on charging you if you tell me this, submit billing, and see what the insurance reimburses. If they reimburse me in full then you were right. If they don’t I send you a bill and if that is incorrect you need to call your insurance to complain
You should be able to track deductible and out of pocket spending on your insurances consumer portal (eg go to Aetna.com or whatever and click “for subscribers” and make an account, if you haven’t already). This should also give you an explanation of plan details.
Most importantly you should be able to call the office of the place (or billing dept if it’s a larger health network) doing the procedure to have their office manager check what you will be expected to pay for the procedure both at time of service and expected cost total. This takes only a minute but be forewarned it is essentially an estimate and not a guarantee. Billing can change last minute depending on how the procedure goes (eg added complexity allowing them to add another cpt code for something)
There’s a lot more to it than this unfortunately. Some plans have tiered deductibles, sometimes a staff member in a hospital isn’t personally enrolled and then are considered “out of network”, which is a whole other thing, sometimes you are still responsible for a certain services that the provider requires but the insurance refuses to pay. That last point especially: every time you establish with a medical office or get a procedure you sign something that says you are financially responsible for services not covered by insurance (I guarantee this, every time). So if you get bloodwork with like 30 tests and 2 aren’t covered even if you’ve met your out of pocket max and have the best insurance in the world you’re getting a bill (and potentially a hefty one, some blood tests are extremely expensive)
Sorry this is very long and complex but that is kind of how insurance is? To boil it down to a “eli5” 2-3 sentence explanation would either require your specific plan information in much more detail or to overgeneralize and potentially mislead you.
I mean like running their hypothetical control software/framework within a docker on a local server. Is that illogical? I do the same for the software that runs my ip cameras with my home server, instead of them needing to connect to some external server.
You’re ultimately right though, when it comes to docker I am at the proficiency level of “can deploy other people’s images” and not so much on the “have bothered to make my own”
You’re both wrong for speaking in absolutes. It could be pica but it’s impossible to fully assess such a situation based on a literal sentence description, you would need to know the context, frequency of behavior, occurrence with other items (eg is it solely soil). It could be soil eaten out of desperation to alleviate symptoms related to iron deficiency but again, impossible to know from a single sentence but a child eating soil would be grounds to evaluate for pica unless the child was specifically instructed or something (eg folk medicine)
brought to you by someone who spent 5 years doing neurodevelopmental evals of autism and intellectual disability in children, where pica came up a decent amount of the time (especially for the kids with ID)
US laundering stolen taxpayer money into “eco” contracts thanks to nepotism and buying off politicians
At 22 I was in an campus apartment which was basically a fancy dorm. I moved back home soon after because I graduated right around 2008 during the housing crisis bullshit and the only jobs I could find until 2010 were minimum wage and part time.
why?
It’s a perspective thing to a degree but it’s also your ability to avoid the crushing weight of reality.
Like approaching 40 I can appreciate that I finally have some money for the things I like, that I have more freedom and wisdom, that I still have the ability to start things, etc
But at the same time there’s the crushing reality. To get that money I trade time and if there’s one thing I miss about being young it’s the amount of free time I had. I just got a bass and I love playing it but I can only do like 20-30 minutes a day and have to skip many days because of life. When I was 16 or even 22 I could often practice drums or piano for hours per day. I could work less of course but that’s not usually an option for most people without changing jobs and also can lead to financial insecurity
Then the even less fun parts of recognizing your body just doesn’t work as effectively. The permanent neck injury I got from work when I was 25 that didn’t bother me as much then is significantly worse now despite physical therapy for years, cortisone, regular strength training, etc. what used to be a stiff neck is now genuine pain that impacts all the way to my shoulders. Knee injury from youth is similar. Then the just unfair bits like my vision deteriorating significantly. It’s not injury related, just lost the genetic lottery.
The cognitive decline as well. I’m still plenty sharp but I can recognize my math processing becoming slightly slower, tripping up my words more often, needing to read things more thoroughly than I did when I was 24 and in grad school, takes me longer to learn things like the bass, my reaction times in videogames are worse, etc. It’s nothing major of course, no family history of dementia thankfully, but it’s part of how the human body works. My job involves assessing people’s neurological state and somewhere in your mid to late 30s starts the slow decline. For some people this will just get to “pretty forgetful, senior moments” and then they die. For others not so lucky they get dementia and have a truly tragic end of days.
But at the same time I do think a sense of optimism is important. I just think it’s important to be rational and realistic about this. Radical acceptance helps here. I can’t get back youth or time lost or whatever, so no sense getting too distraught over it. This applies to youth as well, who may not deal with any of the above but often have their own problems that cloud the potential positives in their life. Anyone can lose their sense of joy and everyone has shit going on. Maybe for them it’s more existential dread, the crushing weight of finding direction, etc. The shift to optimism is that I remember despite the ugliness of reality there are still good times to be had, even if my neck hurts the whole time
A school district spends $180,000 (hyperbole, I don’t know actual numbers) of taxpayer money deploying this system between the actual hardware costs, maintenance costs to install the hardware, it costs to implement it into their network, and probably an ongoing contact with this dummy’s company. Maybe only for support but with the way things are now I’m sure they built this app to phone home to their servers (introducing a huge potential security risk over simply running it locally on the schools existing network infrastructure in a docker or something), calling it “cloud based”, and charging the district 1k/month to run the devices the district now owns and should be able to operate without the company. The company then talks about how they’ll back up records and safeguard data so you don’t have to worry about that (that it dept you pay is pointless!)
Three months after deployment it turns out the sensors can be tripped by many things not related to vaping, maybe increases in heat, mouthwash breath, etc. the false positives are due to a hardware flaw and cannot be fixed with a patch. Feel free to upgrade to sensor version 2.0, now with improved accuracy! (read: the problem still exists but isn’t as bad). Only another 40k to buy the new hardware, rip out the old hardware (which is now worthless), install the new stuff, and configure the software for everything (again, maintenance and IT costs)
9 months after deployment the company is doing poorly because their product is stupid and only a few idiots actually bought it (way to go idiot). There’s concerns because they sent a new Eula that outlines data sharing policies. They are potentially finding ways to harvest the data they agreed to safely store to try and create a new revenue stream to right their sinking ship. District counsel says fighting the Eula change will be expensive and there’s not much precedent for it, plus they state they will anonymize data before sharing so it’s not a ferpa violation, technically. It feels scummy but you can’t do anything about it. You also don’t really trust them to only sell anonymized data but you can’t prove they aren’t crossing that line so whatever, I guess
15 months after deployment they get hacked because they’ve run out of vc cash, never could get an actual profit stream going (turns out they’re spending 750,000/yr on salaries for 5 people and they’re all kitted out with sick work computers for what is basically coding a web app, but I digress). security of their servers was one of the budgetary constraints they chose to make to right the ship (but had to keep the $1800 office chairs and the 15-20k/mo rent loft they use as an office in a hcol area). The contract says this may happen and they’re not responsible unless there’s gross negligence on their part, which you can’t prove, and that they do some bare minimum reactionary shit after the fact to mitigate damage. So they’re legally blameless and now you get to notify your community their children’s data was leaked to god knows who, whoops
22 months after the fact they go out of business officially. You get a form email about the company’s journey and the difficult decision they had to make to stop fucking around on a dumb project that sucks because no dumbass vc will give them fun bucks anymore to keep playing tech bro billionaire. All the sensors stop working because they require a connection to the servers, which they shut off immediately without a sunset period. You’re reminded every day when you log in to the schools admin panel and get 350 “sensor not connected” error messages and your students bitch about the “sensor not connected: server not available” error pop up showing up on their classroom console. It takes IT a few days to remove their shit from the network and that costs you even more money in wasting your IT staff time when they should be fixing the broken computers in the computer lab or whatever.
Now your school has a bunch of weird boxes on the wall. Sometimes people ask you about them and you go “oh those don’t do anything” and remember that they cost taxpayers in your community tens, if not hundreds, of thousands of dollars and wasted hundreds of hours of your supports staffs time that they could’ve been using to improve the school
But then you scroll on instagram and see there’s this new thing that will detect when kids are bullying each other. You just have to put a camera in each classroom. It’s okay, it won’t record. It will just use the power of AI and machine learning. You’re sold right there and the cycle starts again
it was so good. I saw Ben folds, bright eyes, Tom petty, common, blackalicious, beck, Radiohead, Dresden dolls, clap your hands say yeah, bela fleck, and sonic youth. Maybe others but that’s what I remover looking over the schedule and lineup. The first night we showed up late and mainly just watched the comedy tent which was patton Oswalt and some others, demitri martin was there. I had planned it out and it went fairly well, thankfully I had been once before so I had some familiarity with the grounds. I was also in my early 20s which helped me with the whole “just keep going” and I slept till noon basically everyday which also helped. At some point I had a mild fight with my friends that I came with because they just wanted to spend some time camping and that felt like such a waste so I broke away and watched several acts alone
I remember being really frustrated because I also wanted to see medeski, Martin, and wood, cypress hill, and golden but they played at they same time as beck, all overlapping each other to some degree, and all on stages that took a bit to get to. It was rough but I chose to get a good spot for beck and plant there for Radiohead after
Now that I’m almost 40 though? no thanks. My max festival is 1 day and realistically I’m not going unless prices start coming down. 2024 bonnaroo lineup was decent but not amazing and was like 400-500 for the 4 day pass, minimum (although iirc resale eventually saw the price fall down a decent bit. Hope a lot of scalpers ate shit lmao). not even gonna start about the $1800 “vip packages”
The lineup was pretty solid, especially if you look at the full lineup, but that price is a bit much for a single day festival.
We just keep getting fucked. I paid 160 for bonnaroo 2006 tickets because I got the first wave, I think the final wave was 190. That’s with fees and all. Adjusted for inflation thats $250-290. But that was a 4 day festival with Radiohead headlining, beck, tom petty, god tons of sick bands. It was imo the peak of bonnaroo
Now this is $300 for a single day? It’s more after inflation for 1/4 the festival? I get that there’s savings in running a festival for multiple days so it’s not like cutting a 3 day to a 1 day means costs are cut by 2/3rd, but from my perspective as a consumer it looks like I am paying ~300% more than I did 18 years ago even after adjusting for inflation because I just don’t get nearly as much value for my dollars.
I remember that bonnaroo and being like “Jesus this is so much money” and here we are with a show that’s 53% more expensive in raw dollar amount and 1/4 the length. Sigh.
Was worth it though, that Radiohead set was insane. They played for over 2 hours. Also a few months later I got tickets for daft punks alive 2007 tour - $50 plus fees (which were like $14). At the time I thought it was the most absurd shit, so expensive. I almost didn’t go. I’m glad I did because it was the most insane concert I’ve ever seen in my life. But it’s funny because nowadays finding a major act that puts out tickets for $65 with fees is actually fairly tough.