Men are such wimps

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Maybe some men are wimps, maybe some are not. But there was a Russian guy who took out his own appendix while stuck either on a ship, an island, or Antarctica, or something. 1950s, maybe? I think it was on an Antarctic expedition...

Regardless, "wimp status refuted" and "Man-card retained", in THAT case......!!
 

Greg

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That would work great if the "bad thing" happens when the cheapo clinic or the dr's office is open.... it usually doesn't. Last two times I felt like death the only option was the ER.

-Mike
I know..Last 2 times I went was for sinus infection and Bells Palsey.

Last emergency visit was when I tore my knee up dirtbike riding in 2018, I refused the x-rays there and just made an appt for the next day with an ortho, cost me nowhere nearly as much as emergency room pictures..I just went to the emergency room because I needed some crutches and a brace, I had a good feeling of what I did to my knee.
 
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About a month ago, I twisted my foot in a rug near the bed, and fell into the 90 degree door trim. I was bleeding pretty bad, and caught my wife in the driveway before she went to work. She had me shower and clean it up, and I called my doctor. They told me to go to the ER or "redi-med" (clinic place). I said maybe Dr.Feelbetter could see me in her office. They said she was busy and would have to call me back. I told the wife to bundle me into the car and whisk me in, about a mile away. I figured I'd make it there before they called back, and if I sat there, they would see me. I was right on both counts. Turns out, my doc (Nurse Practitioner?) is the only one in the whole place authorized to do sutures, stitches, staples. I ended up with 7 staples in my head. Then I tried getting home. The father in law is hard of hearing and didn't answer the phone, so I started walking. I got a little dizzy, so decided to sit down and call again. This time, he answered, and came and got me. I didn't want to push it in case I had a concussion. Anyhow, it was pretty gross, right before Halloween.
 

namedpipes

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I ended up with 7 staples in my head. Then I tried getting home. The father in law is hard of hearing and didn't answer the phone, so I started walking. I got a little dizzy, so decided to sit down and call again. This time, he answered, and came and got me. I didn't want to push it in case I had a concussion. Anyhow, it was pretty gross, right before Halloween.
Well, at least you had a ready explanation if someone asked what's up with the bandages and blood. "I'm trick or treating as Rick, from the Walking Dead!"

When life gives you lemons, make lemonade?
 

SKumar

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seriously?
Yup. Regardless if it's entry-level admin or salaried professional, women generally can't wimp-it like a man :)

I've noticed women are also terrible at problem-solving. If a woman were to encounter the slightest roadblock, the least resistance, she stops her work and says "I can't do it" (yet still expects a paycheck at the end). I'm always the one to provide them with a solution, to direct them, and explain the reasoning behind it. With men, they're pro-active and take action immediately.
 
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I'm in MA. My deductable is $4,200.
Then your plan does not meet the state minimum which means you're also paying a tax penalty on top of your premium. You would probably be better off buying a compliant plan from the exchanges at that point.

There are some exceptions. For example, in your case, IF your employer contributes to 2200 minimum annually to an HSA in your name to offset the higher deductible and bring it into line with state mandates, then that would bring your total down to 2K which is compliant with the state mandate as a supplemental. Sometimes it's cheaper for companies to do that. That then that means although your POLICY says you have a 4,200 deductible, you only pay 2000. The employer pays the rest via the HSA contribution.

I'm very familiar with this stuff. There is no way, in MA, barring self-employment, you have an employer-sponsored health plan with a 4,200 deductible and no supplemental deductible coverage from the employer. The state won't even let employers offer coverage that does not meet the minimum or THEY pay the penalty.
 
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PennyPincher

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Yup. Regardless if it's entry-level admin or salaried professional, women generally can't wimp-it like a man :)

I've noticed women are also terrible at problem-solving. If a woman were to encounter the slightest roadblock, the least resistance, she stops her work and says "I can't do it" (yet still expects a paycheck at the end). I'm always the one to provide them with a solution, to direct them, and explain the reasoning behind it. With men, they're pro-active and take action immediately.
now see in my experience I have had much better result as a manager and then as an employer with women than with men.
 

PennyPincher

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Um, there's nothing more that a husband likes then having his wife complain about him to a predominantly men open internet forum!!! Can I be a fly on the wall when he finds out, please!?!?!?! [smile][wink]
LOL

yeah, he gives me crap about stuff and I give him crap about stuff like this.
He actually thanked me yesterday for how good I was taking care of him because he wasn't feeling well. We've been together more than 25 years so I don't think he would get annoyed with this post. He really is an awesome guy.
 

fencer

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My wife is an RN. 99% of what I complain about makes her say "stop your whining." If she seems concerned it's time for me to think about updating the will. LOL
This. My wife has worked Surgical ICU at a major Boston hospital for years. If you didn't just get a heart or lung transplant you better STFU. On the very rare occasion she asks me "How are you feeling? I am worried about you." , I pretty much assume it's probably fatal.
On the plus side, she really knows her stuff. About 10 years ago, I got what was diagnosed as a bad ear infection. They gave me antibiotics, put wicks in my ear, gave me ear drops etc. Even after the antibiotics, the pain got worse and worse. Finally, I couldn't take it ( big pussy ), and after two days of no sleep, I drove myself to the South Shore Hospital ER around midnight. The ER doc hit me with enough dillotted ( 3 doses) to kill Keith Richards and I was still in crazy pain. So she insisted that I go across the street to be seen by the Ear, Nose, Throat specialist.
He did a head CT and told me that I had a tumor behind my ear, the size of a golf ball, and that he was going to surgically remove my ear, remove the tumor and reattach my ear.
Very high success rate he said.
My wife heard this and said "yeah bullshit". She got me an appointment with the head of ENT at Brigham and Woman's, Dr. Keith Saxon. He reviewed the films, then put a scope up my nose and showed me on screen, exactly what the problem was. He told me, you do not have a tumor, you have a very severe ear and sinus infection. The ear infection was so bad it had seeded to my jaw bone. They have been treating you with the wrong antibiotics for three weeks.
He told me that it was going to take about a month of sinus flushes, and put me on the right antibiotic. No surgery. No tumor.
I was 40 and thinking about updating my will.
She was so pissed off that she marched into the office of the doctor that told me I had a tumor, and called him a f***ing a**h***, to his face. As I sat there, she laid into this guy and told him that not only did he scare the shit out of me by telling me I had a tumor, that he probably would have declared the surgery a success, sewn my ear back on, and then the complications from exposing the infection could have been fatal.
We were asked to leave. I always knew she was pretty tough, but I was happy to know she has my back.
 

fencer

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Yup. Regardless if it's entry-level admin or salaried professional, women generally can't wimp-it like a man :)

I've noticed women are also terrible at problem-solving. If a woman were to encounter the slightest roadblock, the least resistance, she stops her work and says "I can't do it" (yet still expects a paycheck at the end). I'm always the one to provide them with a solution, to direct them, and explain the reasoning behind it. With men, they're pro-active and take action immediately.
In one paragraph, you made it clear that you consider an entire gender beneath you, as well as being stupid and lazy.
Well done! Go big or go home!
 

SpaceCritter

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This. My wife has worked Surgical ICU at a major Boston hospital for years. If you didn't just get a heart or lung transplant you better STFU. On the very rare occasion she asks me "How are you feeling? I am worried about you." , I pretty much assume it's probably fatal.
On the plus side, she really knows her stuff. About 10 years ago, I got what was diagnosed as a bad ear infection. They gave me antibiotics, put wicks in my ear, gave me ear drops etc. Even after the antibiotics, the pain got worse and worse. Finally, I couldn't take it ( big pussy ), and after two days of no sleep, I drove myself to the South Shore Hospital ER around midnight. The ER doc hit me with enough dillotted ( 3 doses) to kill Keith Richards and I was still in crazy pain. So she insisted that I go across the street to be seen by the Ear, Nose, Throat specialist.
He did a head CT and told me that I had a tumor behind my ear, the size of a golf ball, and that he was going to surgically remove my ear, remove the tumor and reattach my ear.
Very high success rate he said.
My wife heard this and said "yeah bullshit". She got me an appointment with the head of ENT at Brigham and Woman's, Dr. Keith Saxon. He reviewed the films, then put a scope up my nose and showed me on screen, exactly what the problem was. He told me, you do not have a tumor, you have a very severe ear and sinus infection. The ear infection was so bad it had seeded to my jaw bone. They have been treating you with the wrong antibiotics for three weeks.
He told me that it was going to take about a month of sinus flushes, and put me on the right antibiotic. No surgery. No tumor.
I was 40 and thinking about updating my will.
She was so pissed off that she marched into the office of the doctor that told me I had a tumor, and called him a f***ing a**h***, to his face. As I sat there, she laid into this guy and told him that not only did he scare the shit out of me by telling me I had a tumor, that he probably would have declared the surgery a success, sewn my ear back on, and then the complications from exposing the infection could have been fatal.
We were asked to leave. I always knew she was pretty tough, but I was happy to know she has my back.
I'm very much of the belief that, from time to time, you must call a f***ing a**h*** a f***ing a**h***, if not merely for the edification of the a**h*** in question, but as a warning to the others.
 

quincy

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Then your plan does not meet the state minimum which means you're also paying a tax penalty on top of your premium. You would probably be better off buying a compliant plan from the exchanges at that point.

There are some exceptions. For example, in your case, IF your employer contributes to 2200 minimum annually to an HSA in your name to offset the higher deductible and bring it into line with state mandates, then that would bring your total down to 2K which is compliant with the state mandate as a supplemental. Sometimes it's cheaper for companies to do that. That then that means although your POLICY says you have a 4,200 deductible, you only pay 2000. The employer pays the rest via the HSA contribution.

I'm very familiar with this stuff. There is no way, in MA, barring self-employment, you have an employer-sponsored health plan with a 4,200 deductible and no supplemental deductible coverage from the employer. The state won't even let employers offer coverage that does not meet the minimum or THEY pay the penalty.
Except if you’re over 65 and on Medicare with an advantage plan that has zero premium. Those plans have higher out-of-pocket copays.
 
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Except if you’re over 65 and on Medicare with an advantage plan that has zero premium. Those plans have higher out-of-pocket copays.
Co-pays are not the same as a deductible.


Minimum Creditable Coverage (MCC)
Minimum Creditable Coverage (MCC) is the minimum level of benefits that you need to be considered insured and avoid tax penalties in Massachusetts. These benefits include:
  • Coverage for a comprehensive set of services (e.g. doctors visits, hospital admissions, day surgery, emergency services, mental health and substance abuse, and prescription drug coverage).
  • Doctor visits for preventive care, without a deductible.
  • A cap on annual deductibles of $2,000 for an individual and $4,000 for a family.
  • For plans with up-front deductibles or co-insurance on core services, an annual maximum on out-of-pocket spending of no more than the annual limit set by the IRS for high deductible health plans. In 2014, out-of-pocket costs are limited to $6,350 for an individual plan and $12,700 for a family plan.
  • No caps on total benefits for a particular illness or for a single year.
  • No policy that covers only a fixed dollar amount per day or stay in the hospital, with the patient responsible for all other charges.
  • For policies that have a separate prescription drug deductible, it cannot exceed $250 for an individual or $500 for a family.
 
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Buck F

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I have two stories.

#1. 8 year old, fever, puking, miserable. Mom took her to the ER on Thursday eve (major children’s hospital IVY league teaching school). Sent her home w Zofram to keep her from puking. My weekend so I go to pick her up Friday, she’s bundled on couch like a burrito, very much out of it so she stayed at Mom’s. Saturday had to take her, mom had to work. Kid can barely make it to the car, doubled over. Every bump in the road “ouch! Ouch! Ouch!” Get to my place and im
Like wft. She wasn’t potty trained (special needs kid) and I’m changing her diaper, can’t straighten legs out. I push on left side, nothing. I push on right side... BINGO! Took her to community hospital ER, they confirmed appendix. Sent us in ambulance to children’s hospital that send us home two days before. Perfed appendix, emergency surgery, 8 days in hospital. Unfortunately due to disability it’s hard to communicate w her and she has a super high pain threshold. Poor kid had a catheter for three days, NG tube for four. Had her in arm cuff restraints part of the time to keep her from ripping the tubes out. Was heartbreaking


#2. 49 year old female, good shape, severe abdominal pain, incapacitated. I’m thinking gall bladder. Took her to ER. Severe constipation, impacted. Stupid shit overdid it w the Shakeology protein superfood stupid shakes. Smfh.

My theory is if it’s bad, call pediatrician or PCP first, if they’re not available then ER.
 

PennyPincher

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Some men are wimps. Some women are brats. Choose wisely.
oh buddy. you are too kind. Some Women are bitches. Maybe I spoil my man too much and take too good care of him so now when he is "under the weather" he just needs more loving. He really is my everything and he treats me better than I could have ever expected. But then I tend to never complain about anything even when my back gets so tight I end up with headaches that make me vomit. That's really the only thing that ever happens to me. I haven't been sick for 31 years.
 

TLB

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If that were true, but it's not. Health plans in MA are comparably priced to plans in other states that do not have minimum coverage for co-pays, deductibles or out of pocket maximums. Our health system is better. You can bitch about government control all you want, but when it comes to health care premiums, MA comes out ahead. Our plans are better and the cost for that better coverage is the same as what others pay for less coverage in other states. We also have other advantages that "gubbermnt control" has given us peons in MA. Quit, get laid off, or fired from a job in another state when you have vaca time in the bank and see what I mean... You get paid for it here. A lot of people take that for granted. But it ain't like that in almost every other state... You forfeit that time, basically meaning you worked for free for whatever amount of time you forfeit. But in MA - vaca time is considered an earned wage. Unused time must be paid upon termination, regardless of cause.

Yea, gubbermnent is all bad all the time and they never get anything right.. 🙄 I'm not defending everything they do, but that blind squirrel does find a nut every once in a while.
Our health insurance situation in Mass blows. Being self-employed, I spend about $15k a year on family insurance that only kicks in for anything other than basic physicals after another $6k out of pocket per person or $13k our of pocket as a family (ball-parking the deductibles). What a bargain! I'm basically out of pocket until I spend $21k. So, we don't go to the doctor much (too expensive) and our premiums subsidize all those people who do and don't pay the same premiums. Working just as intended - Obamacare is a wealth transfer scheme, plain and simple.
 

omega42

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How many guys have had a GF/Wife that will just complain about various things that "Need to be done" while sitting in front of the tube watching friends or grays anatomy for the 400th time.......pure comedy......and they will complain expecting someone else to address the real/percieved issue instead of doing it themselves......
Some years back I was at a party. The hostess found a leak in the water supply to one of their toilets. I offered to fix the loose connection that would have taken less than a minute to tighten and asked for an adjustable end wrench. No dice. Open end wrench? No dice. No tools in the house. But hubby was a damn good golfer.
 

PennyPincher

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Our health insurance situation in Mass blows. Being self-employed, I spend about $15k a year on family insurance that only kicks in for anything other than basic physicals after another $6k out of pocket per person or $13k our of pocket as a family (ball-parking the deductibles). What a bargain! I'm basically out of pocket until I spend $21k. So, we don't go to the doctor much (too expensive) and our premiums subsidize all those people who do and don't pay the same premiums. Working just as intended - Obamacare is a wealth transfer scheme, plain and simple.
Every year since the ACA went into effect we have skipped buying insurance. Currently we would be out about $26k per year before insurance kicked in for anything other than a physical. Instead we pay out of pocket. Physical with blood work costs about $200. We have a doctor that has regular hours all week including weekends. You can do walk in or set up an appointment. They used to be ONLY cash but recently sold and insurance is now accepted. Office visits went from $80 to $100 with the new owner. Most insurance covers little or none of the stuff we use regularly - chiropractic and now acupuncture. We use Good Rx if we need a prescription filled. Husband's prescription this weekend ran us $6.33 instead of $36 with nothing. I think most insurance plans I have seen lately have either a $10/$20 copay on prescriptions.
 
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TLB

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Every year since the ACA went into effect we have skipped buying insurance. Currently we would be out about $26k per year before insurance kicked in for anything other than a physical. Instead we pay out of pocket. Physical with blood work costs about $200. We have a doctor that has regular hours all week including weekends. You can do walk in or set up an appointment. They used to be ONLY cash but recently sold and insurance is now accepted. Office visits went from $80 to $100 with the new owner. Most insurance covers little or none of the stuff we use regularly - chiropractic and now acupuncture. We use Good Rx if we need a prescription filled. Husband's prescription this weekend ran us $6.33 instead of $36 with nothing. I think most insurance plans I have seen lately have either a $10/$20 copay on prescriptions.
I have considered doing just that, but my better half hasn't felt comfortable with it. Also, what happens if you need a $200k surgery? Can you sign up for insurance after the fact? I have also toyed with self-insuring and banking the premiums. Kids are minors too...
 

Buck F

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Every year since the ACA went into effect we have skipped buying insurance. Currently we would be out about $26k per year before insurance kicked in for anything other than a physical. Instead we pay out of pocket. Physical with blood work costs about $200. We have a doctor that has regular hours all week including weekends. You can do walk in or set up an appointment. They used to be ONLY cash but recently sold and insurance is now accepted. Office visits went from $80 to $100 with the new owner. Most insurance covers little or none of the stuff we use regularly - chiropractic and now acupuncture. We use Good Rx if we need a prescription filled. Husband's prescription this weekend ran us $6.33 instead of $36 with nothing. I think most insurance plans I have seen lately have either a $10/$20 copay on prescriptions.
That’s all fine and dandy if nothing major happens. My cancer cost around $400k during a two year span (three surgeries,chemo, radiation). Maybe if I shopped around I’d have gotten it for $250k-$300k? Kid’s emergency appendectomy was around $100k.
 
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