Behavioral care is four times more likely to be out-of-network than medical or surgical care, a nationwide study shows. That can make treatment unaffordable even for people who have health insurance.
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Curious if anyone has completely abstained from all forms of shampoo, deodorant, creams, lotions, etc?
I'm a guy and haven't used shampoo or conditioner for a few years now and its been great for my hair and skin. I don't even use soap except for my hands when doing things like preparing food, after the toilet, etc. Basically I only use hot water for cleansing.
I'd tried giving up deodorant in the past but would always smell almost immediately after not using it so I was resigned to always needing it. Then I read some accounts of people who said the smell eventually goes away if you give it long enough, ie few weeks or a month. So I tried that approach and sure enough, by the second week there was barely a smell at all. So I've recently become deodorant free too.
My grooming kit is now down to:
*Comb for long hair and long beard.
*Small hair scissors for occasional trimming various regions.
*Nail clippers.
That's it. Now I know this may seem too extreme for most people but no one ever guesses and people are surprised when I tell them I don't use any products. My skin, hair, etc all look normal.
Wondering if anyone else out there has success with water only for basically everything?
Hi. I’ve just recently finished my marketplace application for HealthCare.gov.
I make less than $700 a month, and the cheapest monthly premium I was given was $215. A $65 jump from the original $150 I was quoted because I forgot to note that I have a regular prescription for anxiety and depression.
I don’t even qualify for Medicaid.
My rent and utilities alone will be $600 a month... kind of at a loss as for what to do?
I’m a part time community college student and filled out a application with CCSI (Community College Student Insurance) with is through United Healthcare, but I doubt they quote will be what I can comfortably afford (which is less than $50 a month).
What are my other options?
Is there any way I can know for sure that my next health plan will approve another brain scan to make sure my aneurysm hasn't grown? I am a 36 year old mother. I don't understand why something like that was not approved and their reason was that it "wasn't medically necessary". I really need to have a follow up scan and it's worrying me. I'm not going to pay hundreds of dollars a month next year if I can't get what I need.
Hello, everyone! I'm applying for insurance and I'm wondering if going with catastrophic is good for me. Most likely isn't, but the tax premium is very tempting. It's $375/mo.
With my current plan, copay is $5, meds are $4, and specialist doctors are $20. Can't really beat it. If I went with cat, copay would be $35, meds between $11-$16/mo, and a specialist would be full price until after my deductible. In the past year, I've been to the doctor 5 times, two specialist visits, and an emergency. Not a typical year for me, but life isn't typical. I'd love to think 2018 will be good to me health-wise, but who knows?
I would really like to get a nice return come 2019, but I can't complain and say that my insurance this year didn't pull me through. I want to put my health first, but it'd be nice to do that without digging into my pocket.
Thanks~
Hi, i would like to look better. in the winter my skin gets a bit dry. Nothing terrible, but after showers it becomes slightly and visibly dry for a bit. My hair used to have dry flakes (not dandruff) but that went away once i started washing with just a neem conditioner.
I have acne on my neck and shoulders/upper back. I also have a bit on my face around my lips.
Suggestions? I currently wash my face and shoulders everyday in the shower with african black soap.
I am looking for a moisturizer and anything else that might come in handy :)
I got a note from gov mentioning that due to the 80/20 rule I was
1) due a reduction in my premium
2) due a rebate check from my employer.
However, since i have moved on from that company (left in 2017 but the notice was for the 2016 calendar year), I would be due to check obviously. When i reached out to my previous companies HR, they said the company had gotten a rebate check of $1500 and they are putting it to 2017 premiums for the company. When i mentioned that this doesn't work since I'm no longer employed there, the CFO sent me a note saying that my understanding was wrong and with a "service fee" they would charge me to cover the processing of a manual check and I would owe them money.
Am i correct in thinking they just don't want to deal with it and are trying to make me go away? Unfortunately, I don't know what my portion of the $1500 rebate is (can't imagine it's more that $50 but still.....) since the notice from the government doesn't state the amount.
Thanks in advance
I'm making 100% sure I understand what's going on here, basically.
So a plan that has a $7500 deductible and then says "after deductible, $35 copay for doctor visits" or another one that says "after deductible, no copay for doctor visits": That means I have to rack up $7500 in costs before my copay is $35 (or nothing), and until then, I pay the full doctor visit cost, right?
I ask primarily because I currently require visits every three months - about $150 each - so I can get refills on my meds - about $100 monthly. Which means I'm spending $600/yr on visits + $1200/yr on meds or $1800 in total.
Which, if I'm understanding correctly, means I will never ever ever reach my deductible, meaning insurance is useless for me - unless I have to go into the hospital or something like that. (As someone currently uninsured, I have about $175k between two visits this year, huzzah).
(So since I qualify for assistance, my best option is to pick a plan that's free for me and immediately pretty much forget it exists, except that if I do go back into the hospital, I'll be a few hundred dollars closer to the deductible AND instead of another $50k or so added to my debt, only ~$7000 plus copay whatever added to my debt).......
Do I have this correctly?
How to treat a jammed finger? How long does it take to recover? Is it a serious injury? What will happen if you don't treat it well?
I have seen a lot of support of 'Universal Healthcare'. However I have also seen estimates that the tax increases that are necessary to pay for these systems are up to 20% increases. What do supporters of Universal Care think the impact of this will be? I am a conservative, but, open to any and all facts. Also, any opinions on 'Concierge Care' where insurance is not accepted but you pay so much a month directly to you health care provider?
I personally think we will end up with some kind of combination gov't-private system.