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pitterpatter

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Everything posted by pitterpatter

  1. I still miss her. She was wise and so helpful to me. I've wondered how her son has fared without her over the years.
  2. Our DMV gives out yellow and black "Permit Driver" signs to tape to your back window.
  3. Yes. We walked all over that place all times of day this time last year. You probably feel a bit leery sometimes, but I do think you'll be okay. See whether you can catch an early Mardi Gras walking parade while you're there.
  4. This is interesting. I believe I received a letter in the mail telling me about the change in the program. When I talked to Nurtec OneSource on the phone, I asked whether it was just me (or people with my particular insurance) getting kicked off or everyone. They said everyone. Maybe that wasn't true. Hopefully, you'll get to stay. According to that phone call, I might be able to get another script or two filled this year. They said from January 1st on, anyone using the program in the future, would only get a maximum of two scripts filled. I'm going to try to get my script filled early next week since that's when I should be eligible again. Then, I'm going to turn around and have my doctor prescribe whatever off-label one he wants and try to make do, I guess. Maybe I could squeeze that second script out of Nurtec at some point. I remember talking on the phone to Nurtec OnceSource the first couple of times I got it for free. I asked them how long I would continue to get it for free. They said indefinitely, as long as I had insurance. I remembering thinking, yeah right. All good things always end, but it was quite a bit sooner than I had hoped. I thought maybe they had had success with the insurance companies, though. Not really, it seems.
  5. Nope. It is fairly difficult. They provided two comps. One was generous, the other was not. Both were used. And, the mileage for both were between 1,000 and 1,600 miles. I have found a couple of new-car comps where the mileage is closer to ours. One is 381 miles. The mileage of our Mazda was 399. The trick I think is going to be finding two comps close enough to what we paid to average better. Their high-low thing is annoying and undoubtedly by design. If we present just one comp that is nearly exact to our totaled car, they may kick out their "generous" comp and then the total with out on-point comp would average lower with their low-ball comp. But, maybe they can't legally change the offer down. Ours, which is why I don't understand why they would use the low-ball comp.
  6. Insurance is offering us $38,700. Sticker price on the car was $40,500. Total amount with financing and fees was $42,005.60. I got a payoff quote from Mazda, if we pay it off by the end of the month, which I don't know will happen, we will only have to pay $56 of the $1,445.60 in finances charges. We have gap insurance, but we are not upside on the loan, so we are essentially being penalized for putting so much down as a down payment. We will lose $1,915.87 of what we paid on the car, if we accept the offer. Is this a fair, or at least typical, offer?
  7. I wonder what the person thinks when they never get a thank you. I always thank my well wishers.
  8. I would definitely tell them they have the wrong number. As a matter of fact, I always do. Spam aside, of course.
  9. Yes! I have chronic migraine. I can't use a medication that "treats" them because they are so frequent. I never know where one ends and the next one begins. They can last days. I need a medicine that prevents them. Off-label stuff does not prevent, so I don't even understand why I have to "try" them.
  10. Good Rx in a no go. Still $1,030 for the 8-pill dosage. I need the 16-pill dosage too, which I'm not sure my insurance will cover even with prior authorization. The 8-pill dosage is all that shows up in their database.
  11. I know nothing about bunions, but I do love my Altra Timp trail runners for hiking. I recently found a pair of Altras at Ross that are a different model that I wear as an everyday shoe. I bought my first pair of Altras after breaking my foot. I needed something to protect it when stepping on rocks, etc. while hiking. I also needed better traction to help keep me from falling while on the trail. (I also use poles.) Lone Peak and Timp were constantly recommended by hikers online. Since then, I bought Lone Peak for my husband and daughter. My husband loves them and wants more Altra shoes. My daughter likes to be contrary about them because she claims she doesn't like hiking. Lol. (She actually just doesn't like hiking with my husband because he's too hard core for her.)
  12. One thing that I've considered is taking whatever med is prescribed for about a week. If the migraines come back, or I can't handle the side effects, then I would switch back over to my remaining Nurtec pills until the 30 days are up for the new med. Then, I'd try whatever is next and do the same. I'm not sure it's safe to switch back and forth like this, though. I also don't know how to lie to my doctor. (I'm a sucky lier and generally don't believe in it.) I really like him. If we were to have a face-to-face discussion, I think I would just ask him whether I could pretend to take them. He would laugh, I think, and possibly help me figure out the lesser of the evils to just get through the process. But, I don't know for sure.
  13. I've technically only taken one. The vitamin regimen and diet thing doesn't count. I did that for months. I quit the amitriptyline after a month or two because it was worse than taking nothing. I also developed heart palpitations while taking it.
  14. We always print paper boarding passes. You never know when your cell phone will poop out. Sometimes we use them, sometimes we don't. I like being able to shove them in my pocket and not have to get my cell phone out while going through TSA and boarding. We have had zero issues with them. Just print him out the confirmation info too. Also, take a screenshot of the boarding pass on your phone and send it to his phone. We always have screenshots in case cell reception is slow. ETA: I take paper copies of everything when we travel...hotel reservations, car rental confirmations, entertainment tickets, etc.
  15. I didn't realize that about the tapering. My hairdresser is taking it. She had migraine so badly that she went to Mayo, and they did brain surgery on her. She still has migraine. She doesn't like Topamax, but that's what she's on. I have not wanted to go on it because the side effects are the same as having migraine! I'm also not keen on taking off-label anti-depressant and anti-seizure drugs. I actually don't like taking any drugs at all. That's how I ended up with Nurtec. I expressed my noninterest in the others with my doctor.
  16. Yes, the doctor is trying. He put in a script for Aimovig to try, but insurance won't allow it either. He's actually great and really tries. I think he has migraine too...just a lot less frequently.
  17. Yes. We would like to get the same kind. There is zero-percent financing through the end of the month, which is better than the 1.9 percent we got in December. We are really anxious to go buy one since DH really needs this settled for work, but we can't afford two $500-$600 car payments, if we aren't going to get a payout soon.
  18. I have chronic migraine, which is diagnosed when a person has at least 15 migraine days a month. I had them just about daily before receiving treatment. They are extremely debilitating. I am pretty much nonfunctional when I have them. I get about 2-3 hours of life a day. I originally tried the vitamin regimen that is recommended for migraine sufferers. I also did the migraine diet (in earnest). That didn't help. I then tried amitriptyline. That didn't help and just made me extremely tired during my few non-migraine hours each day, so it was actually worse than taking nothing. Then, the new especially-for-migraine medicines came out. I was able to get Nurtec for free from the manufacturer for over a year. The for-treatment dosage didn't work, but the preventative dose did! It changed my life. Well, Nurtec changed their free goods/insurance bridge program at the beginning of the year. I will no longer get free Nurtec. My insurance won't provide prior authorization for Nurtec unless I try three cheap off-label meds for 30 days apiece. I have zero desire to go back to zombie land. None of the meds, except maybe Topamax, will prevent migraine, which is what I need. I have 1 and 3/4 boxes of Nurtec left, and I may be able to get one more fill from Nurtec for free (maybe). I have been halving the pills to make them last. It kind of works. It's not as good as taking the full dose, but I'm making it through for the most part. I am thinking about having my doctor write scripts for whatever and not take them just to get them on my record so I can get prior authorization for Nurtec. I would keep taking the Nurtec for as long as I have it. This isn't something I thought I'd ever consider, as this kind of thing isn't in my nature. However, my mental health crumbles at the thought of returning to zombie land. I have so many stresses and responsibilities in my life right now, that I cannot afford be nonfunctional. What would you do?
  19. A small update. The body shop was able to get the car up on a rack yesterday. They found quite a bit more damage and have now declared the car a total loss. Hopefully, this will get things moving a bit.
  20. I want to thank everyone for their insights and advice. I called my claims agent first-thing yesterday morning. She actually answered her phone, and we talked for about 40 minutes. We were able to have a fruitful conversation because of what I learned here. It's probably going to be a somewhat lengthy ordeal. Geico hasn't claimed liability for the lady who caused the accident yet. She won't answer American Family's calls. The other motorist she hit got a lawyer, so American Family can't talk to him. Both insurance companies are still waiting on the police report from Lexis-Nexis. We read through the copy I gave her and she doesn't see how Geico could claim anything but 100 percent liability. She said they would fight them on anything less. Yesterday afternoon, my husband and I met with the auto body guy. The car is so new that the total loss threshold doesn't even show up in his computer program. And, he had to call Mazda for all the part prices, etc. They weren't in his program either. He found a note from American Family while he was in his computer system yesterday that said not to go over $23,000+. The car was already sitting at $22,000 in repairs, not including some parts he was unable to find prices on, and he hasn't even put it up on a rack yet. He seemed confident that he would find enough additional damage for it to be a total loss. We are crossing our fingers. That would get us moving toward obtaining a new car in a timely manner. He said it would be months before they would be able to get the parts in and get it fixed.
  21. Ugh. And, what are we supposed to do in the mean time? Pay two new car payments? DH has to have this car for work. It is required. We can't afford that even. DD is a junior and will be leaving for college before long.
  22. Ours. I don't think she is an adjustor but a claims rep. I don't think they use "adjustors" anymore. They go by what the body shop estimates. Maybe that's the same thing. But, American Family doesn't have an employee who goes and accesses the damage in this case. It is based on what the auto body finds.
  23. Unfortunately, no. I would have loved to have had the weekend with the estimate in hand to think about things.
  24. I did. There's only photos that the shop took, which I saw earlier in the week. Nothing new. Thank you for all your help. We appreciate it. What happens if we withdraw our claim with American Family and Geico's determination is worse?
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