|
The town put her up to it so she was getting even? Really, she's a tragic villian. Perhaps had my character been more of a redemptive sort(hint, he ain't.), that arc might have been interesting to follow. Again trying to redeem villians usually means you're going off rails, and GM needs to be on board with it.
If the party wants to go that route and the backstory has room for interpretation for that, I am willing to tweak the AP for that.
Most of the vilians in ROW are too. I try to tell all their sad, sad backstories, leading to the party having to read gigantic journals ^^
Those in Strange Aeons though...I have no sympathy for them. They're just evil for the lulz and get everything that's coming.
Hi, Kjel. What's up?
Preparing to turn in for the night.
So sorry for not being around and spotting you're post earlier.
Nighty night FAwTLers.
Good morning!
| 2 people marked this as a favorite. |
As the Americans would expect, yes, we're still at the ER. Going on 6 hours now. Labs collected, contrast CT scans taken. Waiting on results and still trying to get her pain under control.
And her IV pump really could use a good shot of WD40. That thing is not aging well.
| 2 people marked this as a favorite. |
Doc just came through. CT didn't show anything abnormal, neither did the other labs, so they're going with Unnamed Generic Viral Infection.
| 1 person marked this as a favorite. |
Oh, and that will be $150, please.
My brother washed his car yesterday and there was a dust storm in the morning and now it's pouring cats and dogs.
Ah yes, the dust storms are insane. My car looks terrible, but I may not wash it until September, because what's the point?
| 1 person marked this as a favorite. |
"It's just got to run its course." I get it...I really do...but... without insurance this visit would cost us a solid $3000, at a conservative guess, and all she gets is "here's some more pain meds that haven't worked for you while you've been here for 6 hours, so go home and suffer through it".
| 4 people marked this as a favorite. |
Holy crap. I'm sorry, Vany. I'm really glad that it's not something more serious, but the frustration of "let it run its course" when you feel that awful is hard to bear.
Hugs to Aiymi.
Hugs verbally given. She's in too much pain.
My biggest issue with health care..."Well we don't know what you have, we're just going to call it something viral, but we're not going to actually investigate it at all. And we're not going to try to treat you."
Getting ready for discharge. 7 hours.
| 5 people marked this as a favorite. |
I hope she recovers rapidly, Vanykrye.
And [redacted] [redacted] [redacted] US healthcare.
|
|
"It's just got to run its course." I get it...I really do...but... without insurance this visit would cost us a solid $3000, at a conservative guess, and all she gets is "here's some more pain meds that haven't worked for you while you've been here for 6 hours, so go home and suffer through it".
I guess the issue is it might have been something that could be treated, but was not. I may get flaming bikes at me, but US insurance doesn't cover this? ><
| 6 people marked this as a favorite. |
"It's just got to run its course." I get it...I really do...but... without insurance this visit would cost us a solid $3000, at a conservative guess, and all she gets is "here's some more pain meds that haven't worked for you while you've been here for 6 hours, so go home and suffer through it".I guess the issue is it might have been something that could be treated, but was not. I may get flaming bikes at me, but US insurance doesn't cover this? ><
It's...complicated...in the US. Without trying to get political (Fritzy, be gentle, I'm going to try to have a neutral presentation about this).
If you have insurance, you will get "cost efficient" care. In essence, the insurance companies are footing the majority of the bill, therefore they'll decide what's medically necessary and reasonable, and not your doctor. If they decide they don't want to cover something, then you've got a long, difficult fight on your hands to appeal such a decision. Sometimes to the point of the courts having to get involved.
If you don't have insurance and are poor, you will get the bare minimum amount of care to make sure you won't die at this particularly narrow point in time. They also will not charge you as much as they will charge an insurance company, but you could still expect about a $60,000 bill if you decide you want your finger reattached. Only $5000-10000 if you don't care about your finger all that much, but went in to the emergency room anyway to treat the stump.
If you are somewhat better than "well off" financially and have insurance, then it is likely you can deal with said insurance company being a bunch of pin-headed pr!x and absorb the cost of whatever insurance decides they aren't going to pay.
By the way, most US insurance plans are on an 80/20 system, where even if they don't argue about it you're going to be paying 20% of that finger reattachment surgery, and remember they bill the insurance companies more.
If you are actually rich, then you don't have to worry about much. You'll get every bit of whatever's been approved in this country, and you'll likely be eligible to try out some experimental stuff too. Also, travelling to other countries, like Germany, for treatments that are not available in the US, is a fairly easy thing to do. You'll be able to pay for the doctors to actually spend the time to figure out what's wrong with you.
So...back to that "cost-efficient" health care I get because I have insurance through my employer...I pay about $400/month just for my wife and I to be covered. I cannot legally cover Zelda. I can no longer legally cover The Adult Kid. However, if I could, I'd be paying about $1000/month, and that's if NOTHING HAPPENS TO YOU OR ANYONE COVERED BY THE INSURANCE.
And since it's more cost-efficient to say, "You know, it's really unlikely you have something that's going to kill you, so we're not going to bother looking. Wait a week, you'll be fine," rather than actually going through a couple more definitive tests to see if you've got something that's actually nasty, well, they'd prefer to just roll the dice with your health. But if you want to pay for it out of your own pocket, then sure, they'll run the tests...
| 4 people marked this as a favorite. |
I may have failed at neutrality.
| 2 people marked this as a favorite. |
You can never trust a neutral!
| 7 people marked this as a favorite. |
Small correction to Vanykrye's otherwise-excellent post: If you're paying for high-end insurance (for example, mine is $900/month instead of $400), there's an "out of pocket maximum" per year.
So, for example, NobodysWife's bill for her surgery was $105,000 and we were covered at 90%. $10,500 would have still been a heavy blow. But she had a $2000 out-of-pocket maximum, so that's all we paid.
And the fun part is that now all of her prescriptions and doctor visits for the rest of the year are free. It's pretty funny. "How much is this?"
"Oh, you've reached your out-of-pocket maximum. It's free."
And the saddest part? If you look at our medical payments over the years, even including the $105,000 surgery and the $31,000 broken arm, it still would have been cheaper to go insurance-less and put the money into a "medical savings" account.
| 1 person marked this as a favorite. |
Going home, soon. Good night, everyone.
G'night, John!
| 3 people marked this as a favorite. |
Small correction to Vanykrye's otherwise-excellent post: If you're paying for high-end insurance (for example, mine is $900/month instead of $400), there's an "out of pocket maximum" per year.
So, for example, NobodysWife's bill for her surgery was $105,000 and we were covered at 90%. $10,500 would have still been a heavy blow. But she had a $2000 out-of-pocket maximum, so that's all we paid.
And the fun part is that now all of her prescriptions and doctor visits for the rest of the year are free. It's pretty funny. "How much is this?"
"Oh, you've reached your out-of-pocket maximum. It's free."And the saddest part? If you look at our medical payments over the years, even including the $105,000 surgery and the $31,000 broken arm, it still would have been cheaper to go insurance-less and put the money into a "medical savings" account.
Yeah, I failed to mention the out-of-pocket max. I got the middle package from my employer, so my out-of-pocket max is also $2000 per person (also I'm only covering myself plus spouse, rather than full family). If I go up one tier, my out-of-pocket max becomes $1500 per person. Lowers it by $1000 if both Aiymi and I hit it. Great! But the monthly cost shoots up to $720/month...so a net increase of roughly $3000 out of my pocket, and it's still an 80/20 plan. Again, just for myself and Aiymi, no kids.
| 5 people marked this as a favorite. |
So now that Mort's been buried under more than she ever wanted to know about American health insurance...
How about them Sports Team! Whoo!
Err..um...
Runs
| 7 people marked this as a favorite. |
Whingey Wizzard has a lunch interview tomorrow with the President of his former prep school (who was Vice Principal for Discipline when he was a student there) to discuss the faculty position he's applied for.
Then he has another interview for a rival school in the afternoon.
Keep your fingers crossed, folks, because this could finally be our ticket.
| 6 people marked this as a favorite. |
Home safe. Lots of pics. Met Vany. Got something for lisamarlene. Got something for Sharoth. Sleep now.
| 2 people marked this as a favorite. |
The people complaining that school didn't teach them how to balance a checkbook are probably the same ones who sat in math class and said "When will I ever use this?".
yes, because balancing a checkbook and the quadratic equation are TOTALLY the same thing....
|
|
So now that Mort's been buried under more than she ever wanted to know about American health insurance...
How about them Sports Team! Whoo!
Err..um...
Runs
My brother will be in the States for 2 years. I'd like to know how he's covered too. From what I know of his plan, he pays up to $1500,then everything else is covered by insurance.
His company also gave him $500 for assorted medical per year, which can be used to offset the $1500.
|
|
| 1 person marked this as a favorite. |
Whingey Wizzard has a lunch interview tomorrow with the President of his former prep school (who was Vice Principal for Discipline when he was a student there) to discuss the faculty position he's applied for.
Then he has another interview for a rival school in the afternoon.
Keep your fingers crossed, folks, because this could finally be our ticket.
Good luck to WW with the interviews!
| 2 people marked this as a favorite. |
Any restaurant is "all you can eat" if you are rich enough.
Oh, gods. That is SO us!
| 3 people marked this as a favorite. |
Any restaurant is "all you can eat" if you are rich enough.Oh, gods. That is SO us!
at this point I am going to become nobodyshomes mistress just for the food.