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TechWife

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TechWife last won the day on August 8 2019

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About TechWife

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  • Birthday July 18

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  1. Have her find out what both the individual and family out of pocket maximums are - they will come into play. After she meets her deductible, she pays the copay amount up to the individual out of pocket maximum. Once that individual out of pocket maximum is reached, she will pay nothing for covered services. Each baby will have their own deductible to meet and will have their own individual out of pocket maximum as well. The family out of pocket maximum combines the amounts paid on all people on the family policy. Once the family out of pocket maximum is reached, then all allowed/covered services will be covered by the insurance at 100%. With such a long hospitalization, it is entirely possible she will reach the family out of pocket maximum before the babies are born. Medicaid will pay the deductibles and copays up to the out of pocket maximum, as well as for any services that the insurance doesn't cover, but Medicaid does cover. The bills will be processed as they arrive at the insurance company, so there's no way to tell ahead of time which baby will reach the maximum first if the family OOP maximum hasn't been reached. When the social worker says if they apply for Medicaid, everything will be covered, it's because she knows that the family qualifies for Medicaid. She has already done the background work. She also knows that they are close to the qualification limit, which is why she advised him to not get a job until after the babies are born. However, have your daughter ask exactly what the income limit is for a family of two and a family of four. She should also ask about WIC and SNAP. She may not get WIC until after the babies go home from the hospital since she is currently hospitalized. If she happens to be discharged before the babies come, she should ask about WIC then. SNAP may help meet her husband's needs as he isn't getting meals from the hospital. The hospital social worker can help them with all of this. Make sure, on the day that the babies are born, they are added to the insurance policy, even if they do not yet have names. The providers will start billing right away. Make sure she expects to get bills from the anesthesiologist if she has an epidural or a c-section, the ob/gyn,and the pediatrician that are in the delivery room. Then there will be a daily charge for the NICU for each baby as well as charges for individual providers, supplies, procedures and equipment. If anyone has surgery, there will be additional anesthesiology charges as well as surgeon charges and OR charges. One rule of thumb is to keep track of services as they happen, but in all honesty, people who say that haven't had to keep track of one critical care situation, much less multiple critical care situations. Things will happen that neither she nor the father will remember, medications and treatments will be given when they are not there and things may happen very, very quickly. It is the nature of the situation. She should not ever feel guilty for not remembering something. Tell her not to worry about keeping track herself in the moment, but when she receives a bill she should request an itemized bill. If the itemized bill has charges that don't seem right to her, she can request the medical records and compare them, or ask the hospital to audit her bill and provide the documentation for each charge to her. The babies getting appropriate care is what is important, the hospital can justify their charges to her later. What a broken, broken system we have when working leads to financial punishment when it comes to medical care.
  2. Actually hospital employees have to keep all of their immunizations up to date, including the flu vaccine as a condition of their employment. No vaccines, no job. However your point stands because there are many scenarios in which employees are required to wear masks and it’s just part of the job.
  3. A couple of thoughts, because sometimes things strike me differently than others. First, this bonus is temporary and was put in place partly to encourage people to stay home. When it runs out it is unlikely to get extended in its current form. Second, going back to work isn’t really a financial hit. It is a return to the status quo. While I agree too many people are underpaid, going back to work and it’s accompanying expenses and benefits is something that the people involved are normally managing. If they are unable to secure child care as a direct result of the limitations (school aged children for example) then staying home and drawing unemployment until the school year would normally end is a legitimate thing to do. I believe most, of not all, states are allowing this. Third, there is a point at which a person becomes willingly unemployed - for example if they are called back to work and just decide not to go back, Those folks will no longer qualify for unemployment and the $600 is irrelevant. Fourth, this may be pie in the sky thinking, but the general public has gained a new awareness of the relatively low pay many receive. Hopefully this will mean that there will be an overall push towards changes in compensation.
  4. Yes, they will sue for $600. I think this is a fairly serious communication issue and that you should consider bringing it to their attention. You can file a complaint about the communication issue. No one should be bullied into a procedure, ever. Call or email the Patient and Family Experience Office or the Patient Advocate office (different hospitals call them different things). They will mediate between you and the physician. Tell them you felt bullied by the physician during the consent process. If you prefer, you can say you felt "pressured" instead. If you aren't satisfied with their conclusion, you can ask for it to go to a review committee. If it goes to a review committee and you still disagree, then it can go up the chain from there ( I think the next step will be state regulators, but don't quote me on that - every response you receive from them should also tell you what to do if you don't agree with their conclusion). At your first contact with the advocacy office, ask them to make sure your account doesn't go to any further with the collections process while you work toward a resolution on the communication issue. Make sure you have a written list about who you talked to (physician or nurse), specific examples of what was said or done that made you feel bullied, whether it was the words they used, the expressions on their faces, rolling their eyes or other ways of demonstrating impatience. It is the whole communication package that matters. Make sure you are kind and professional when you speak with the advocate. Make notes about your conversation (they will also be making notes). Ask about the procedure failing - was that a known risk to you? If not, be sure they know that. Also ask them if failure of that procedure is common? Why did it fail? Was if provider error? What is the hospital's policy on billing for failed procedures? The advocacy office will pull your chart and have it reviewed as well as be able to explain the issues around failure to you. Honestly, not liking the outcome isn't a reason to not pay a medical bill. There are many procedures and treatments that have different outcomes for a variety of reasons. The advocacy office works for the hospital, and it is a role they are required by law to have and they are required to keep record of complaints, their resolution and have them available during their audits. This holds them accountable for pursuing resolutions to complaints in good faith.
  5. I wish they could get a visit from a home health nurse for that, although having a nurse go in and out of homes has it's own risks. We may get to the point where we are doing outdoor immunization clinics, who knows?
  6. I completely agree with you about the dangers disruptions to our food supply chains pose. Venezuela has been unstable for a long time - their employment situation, imports & distribution networks have been disrupted since long before COVID-19 - they tried a coup, in fact.
  7. The FDA is part of the government. My point is that they need to communicate with everyone, not just on their website.
  8. Lowe's Home Improvement and Home Depot are packed. I avoid them, although I did do an order for Home Depot online and picked it up from their pick up lockers on a weekday. Target isn't as busy on weekdays as it usually is, at least not from the looks of the parking lot. I have ordered online from them and done drive up pickup, so I haven't been in the store except for early one morning last week to pick up a prescription. I haven't been by the WalMart. I did a big shopping trip right before our restrictions went in place and since then, we go roughly every 6 days to supplement that with fresh produce or to replace what we have used up. We could stretch that out if we needed to.
  9. Yes, I had my first pair of glasses in 2nd grade, just around your son's age. I think it's entirely possible he needs glasses.
  10. So this information is what needs to be widely distributed, because it has not been up to this point. I didn't know this and I keep up with the news on several different outlets. I'm not a biology person, so I don't get the details unless and until someone spells it out to me in plain language, like you just did. If the federal government is interfering with the public health decisions that are made on a local and state level, then they need to educate the general public about how the food supply is still safe. They need to start doing that now and keep doing it.
  11. This is a fascinating conversation, but work calls. I'll check in later this afternoon to see how we have solved the world problems. I really think the government entities should crowd-source these problems, people can be amazing at coming up with solutions.
  12. I seem to remember hearing something about food being safe, but that presumes that the people involved in it's production are healthy and taking appropriate precautions. With the absence of that piece in the EO, that assurance is diminished. If the food supply chain remains safe, they are going to need to expend some serious effort in educating people as to how they know that & how they are guaranteeing that. I've seen reports that regular inspections at these facilities have decreased due to the fact that some of the inspectors have become ill themselves. What are they doing to preserve and enhance the inspection process to make sure our food supply is not only save from transmitting COVID-19, that workers don't get ill or hurt on the job, and that the existing, known causes of food contamination don't become an issue?
  13. There is probably a set of people who need meat in their diets and while there are some non-meat options for protein, meat certainly is part of that need. For the general population, though, restricting meat intake would not cause starvation unless the produce & dairy food distribution lines aren't corrected. The people who raise livestock would run into issues and may need help re-configuring their spaces and with feed costs.
  14. The problem with this is that the heads of these departments are political appointees. They can be influenced by political goals and even removed from their positions for political ends. Prior to the executive order, the executive branch should have taken time to work with OSHA, USDA and FDA to determine what safe working conditions would look like and to mandate them in the executive order. Another thing that people haven't yet addressed in this thread is food safety. What research has taken place to determine the presence of COVID-19 on processed food products and to determine which, if any, cooking methods & temperatures kill the virus? To me this is critical - it isn't enough to process the food. People aren't going to eat it if it makes them sick or if they aren't sure if it will make them sick.
  15. They are involved in mask manufacturing in Texas. Why the company didn't hire private citizens in these times of high unemployment is beyond my imagination.
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