Hello,
i live in a country when you got sun all year long. I’ve been searching the net for a face moisturizer with mineral based spf, but I couldn’t find after and hour of searching.
Can anyone recommend me such a product?
Does anyone have suggestions for what I can use to help my oily skin and acne scars? It's been an issue for a long time and I seem to always have acne no matter what. I do have eczema flair ups here and there which I feel is important to add.
No ppl with hiring/firing power, although we can't exactly vet you guys out. We're building a discord server called the Workplace Organizing Hub. It's for all workers of all trades, but we have a channel just for healthcare workers. If you're already SEIU or NUHW affiliated, or affiliated with another union, ppl would love to hear from you. Or if you're interested in organizing if you're not union affiliated. Thanks!
I'm a foreign national living in the US on a J2 visa with an EAD (work permit).
My visa expired this Monday, and with it my employment and insurance coverage. I received a COBRA Notice of Rights statement, saying my coverage will end on Nov 30, and I can apply for COBRA in the next 45 days.
I'm leaving back to my home country mid-December, so will only need to be insured for two weeks. The monthly cost for both my wife and I will be $1219, and there's no way to pay for only two weeks.
This may be a dumb question, but since I have 45 days to apply, what happens if I don't apply immediately but end up needing the coverage in those two weeks? I'm trying to see if there's a way to only pay if and when I actually need it, which I probably won't.
Is this too risky / stupid?
This past week, Ive been waking up to the most horrendous feeling Ive ever felt. I literally wanna die. I dont even wanna wake up and I end up falling asleep. I wake up for the second time and go on with my day. At the end of the day, I feel normal and not with any symptom of sickness. Anyone else experience this?
I read horror stories about people going to the doctor thinking it's covered by insurance and then getting a surprise $50,000 bill, so I was wondering: is there a way to be absolutely sure your costs are covered?
Something along the lines of:
Does something like this exist?
I ask because I'll often ask at the doctor's office and they'll often give me some weasel word answer ("There's no reason to think it won't be covered...", "You're most likely covered...." ) or they say I am but I worry what liability I'm exposed to if they're wrong.
TL;DR: I am still on my parent's insurance. They live in Boston and I am a graduate student in California. Because of high co-pays, I can't get the medication I need for my mental health. If this is not the right sub for this, please let me know.
I am a 22-year-old graduate student. I am still on my mom's insurance and I think it has really great coverage. I was diagnosed last summer with depression and binge eating disorder by a psychiatrist, let's call him Dr. X. To treat these two conditions, Dr. X prescribed me an anti-depressant and Vyvanse for my binge-eating. I'd like to note here that my mother is also a doctor (a pediatrician) and Dr. X is an old friend of my mom's. When it comes to health things, I don't really know much. As long as I'm getting medication that I need, I don't really require any information. I saw Dr. X in person a few times and for the next year, he prescribed me all of my medication even though he is in Boston and I'm a student in California. These two medications have absolutely changed my life. I had no idea that most psychiatrists require monthly in-person visits if they are prescribing you controlled substances like Vyvanse.
My problems started when Dr. X called me this summer and let me know that he was retiring from his practice. My first thought was "oh this sucks, looks like I'll have to find a psychiatrist near me". When I called up my insurance to find nearby psychiatrists in my plan, they informed me that any mental healthcare provider I saw in California would automatically have a $100 copay for every visit (and a deductible of $10,000). I also found out that most of these psychiatrists would not prescribe me medicine unless I also saw a therapist 1-2 per month. So all of a sudden, I was looking at $300 a month, not including the costs of my medication itself. I am fortunate enough that my family is middle-class (even upper-middle class, to some), but we were nowhere near prepared to spend $3,600/year on my mental healthcare costs. Especially because I am a graduate student, I am transitioning into being fully independent. This is not a financial burden I want to put on my family.
I then turned to my university. When I was an undergrad (at a different school), my school had excellent healthcare services included in the cost of tuition. There, I had all of my medical needs taken care of and even saw a therapist twice a month for over 2 years. When I visited my current school's student health center, I was informed that they only handled short-term care for mental health problems. I would only be allowed to meet with a therapist up to 5 times during the academic year and I could only see a psychiatrist on an equally short-term basis. After this, I turned to a community-based clinic. I was hopeful because this clinic allowed people to pay on a sliding-scale (even if they had insurance). At my meeting with the clinic's financial advisor, I told her about my $100 co-pay problem and she told me that I could pay according to my salary instead (about $15 per visit). However, once I was clinically assessed, I was told that I would only be able to meet with a therapist up to 10 times and that I could not see a psychiatrist. This clinic mostly served the elderly, the homeless, and the drug-addicted. Because my conditions had not hospitalized me, they couldn't make the space. I understand that my mental health problems don't put me in immediate danger, so I accepted this answer and moved on.
Desperate (and running out of medication), I turned back to my mom. I asked her to prescribe me my medications herself until we got things worked out. I was able to get my anti-depressants through her without a problem. However, the first time I showed up to my pharmacy with her Vyvanse prescription, the pharmacist refused to fill it. I understand that it must have looked suspicious to him. I was a young student turning in a prescription for a very popular college drug. The prescribing doctor also happened to share my last name and was based in Boston...I was turning in the prescription in California. She was also a pediatrician, not a psychiatrist.
Now it's been a few months since this whole problem started in August. I am running out of my medication. As it wears off, I have been bingeing more and more consistently. Some days, I eat so much, I can't even get out of bed. I am considering taking out extra student loans in order to pay for my healthcare costs. Something else I can't stop thinking of though: I am so privileged to have great insurance and a doctor parent....so if this is my situation, I can't imagine what other college students in worse off circumstances do to get their medication. We have to fix the healthcare system....
The route is less expensive, less likely to make you relocate several times and less likely to produce burnout. What would make you choose medical school over NP route at that point?
Hey guys, I made my own alpha arbutin serum with alpha arbutin powder purchased from ebay. I've made two batches, thinking it was me - and it smells like metal.
I'm wondering if anyone has experience with making skincare involving actives - and if they've ever experienced this while using alpha arbutin. I'm hoping I havent been duped and that god forbid this isnt alpha arbutin.
Any help is really appreciated. Thank you! I've purchased kojic acid and salicylic acid in the past with no problem as a bit of background!
Hey r/Healthcare!
I am working on a project and doing some R&D. I managed to get in touch with plenty of clinics and hospitals, however clearinghouses are a gray zone for me. I need to find out how these third parties operate, what is their process and what are the main services they offer to hospitals and insurance companies.
I was hoping someone on this subreddit is in that line of work or has some experience with it to shed some light on the subject and direct me to the right topics to further reasearch.
Thank you
I was just wondering because I am easily scared by small sounds, could that mean I could be faint of heart?
Hi everyone,
So I'm searching for a brand or a company that sells natural skincare and hair products. I originally came across iHerb and was thrilled to find them but later realized they ship from the US and from where I'm from the VAT is 18% of the value + local shipping. Being I would rely on these products monthly I prefer to not deal with these ridiculous fees.
I really wish to try Demra E but they seem too pricey from Amazon that I might as well get it from iHerb...
Does anyone know of any website in Europe, please? (I've come across Sukin so far, and like their moisturizers but everything else I don't like.)
I also want to buy some oils, avocado oil, almond oil, argan oil and castor oil.
Thank you in advance. (I reside in Malta btw)
Long story short, I broke my front tooth and I have to get a dental implant. I recently received the estimates from my dental insurance and it's going to cost me about $3,100 USD out-of-pocket to get a single implant for one tooth.
Does that make sense? Even with insurance, it's still going to cost around $3000.
I got a little incident in August and since then, I tracked all my medical appointments and costs because I wanted people(especially USA) to look how it works in the countries which are using socialized healthcare.
Background on myself: I am a French National and living in Germany where I got operated.
Here are the details of those last months:
August
September
September 2nd: appointment with orthopedic doctor, cost: 0€
Got a cast at the orthopedic shop, cost: 20€
September 12th: appointments with house doctor, cost: 0€
September 17th: blood test with house doctor, cost 0€
September 19th: contrast MRI, cost 0€
September 24th: appointment with house doctor, cost: 0€
October
October 29th: appointment with orthopedic doctor, cost: 0€
Cost a cast to go surfing, cost: 24€ (could have taken the 12€ option, but wanted the “active”/“breathable” cast option as I do lots of sports)
Still October 29th: Appointment with hospital, cost: 0€
November
Released with enough painkillers to cover the next 2 days + got the visit of the doctor which provided me with re-education exercises.
Total cost of my ordeal: 7% paycheck before taxes for social security, and 54€ out of pocket expenses.
About waiting time: the time lapse between appointments is mainly due to my holidays, visiting family and going surfing. I never had to wait more than 10days before getting an appointment.
I am still wearing a cast for the next week, then will have to remove the suture points in 15days. It will cost me 0€ and I already have my doctor appointments planned for that.
edit: formatting
The number of people in the U.S. who have died due to pollution-related causes is much higher than automobile fatalities. According to data from Airnow, 39% of the U.S. population lives in areas with unhealthy air. Louisiana was found to be the state in the U.S. with the worst quality of air.
https://www.gavop.com/b/more-people-die-us-due-pollution-car-crashes-cm1156/
So the first time it happened this year. The doctor by mistake said my gender was female, and this didn't match what Aetna had in their records, so they didn't pay. Months later I get a letter saying that I have to pay, I call Aetna to explain, and they say it's already too late because a few months passed by, and they won't pay it. So now I have to pay a $700 bill.
Last month my ear was clogged and I went for a cleanup. They said no co-pay, I didn't have to pay anything. And just today I got a receipt from them for $110. I haven't called Aetna because it's Sunday, but I have no idea what's the reason this time.
Is there any law, institution, or anything that can support me and have them pay? I don't know if this is too petty to go to a lawyer, or even if it's worth the time it'd take. A big chunk of my check goes to medical insurance and there are ALWAYS problems, and it just feels useless. In reality I've payed exponentially more to them than these $700 + $110 combined (or to every visit to the doctor I've made, for that matter). This is just frustrating, ridiculous, and it makes me feel like I'm pretty much on my own when it comes to my healthcare.
And just to finish, this is around the 5th time that happens. I don't go to the doctor much, but most times there's been a problem.
EDIT: Another piece of information is that the medical clinic is sending me payment notices. It's ridiculous that they're going after me instead of going after Aetna, especially when the mistake wasn't on my side. I hate "playing victim", but in this case, it's difficult to feel like you're in control of the situation.
Has anyone tried these brands? What did you think? I’m new to the natural beauty life and am Having trouble finding brands that are actually cruelty-free and use only natural ingredients
After finally making the first improvements since 2011 or so, I went in for a routine therapy visit and my health insurance wasn't running. I went home and found out that it had been canceled for nonpayment two business days before. But I got my plan through healthcare.gov and it always said that I owed $0 when I checked throughout the year. Admittedly, the last time I checked was in September. But why would that change all of a sudden?
I just got something in the mail today that says I owe $740.56, but that is all of the information provided. I was in the hospital for a little less than a month in late July, but my father paid off the entire balance due on the day that I was discharged.
I'm panicking because now I cannot afford the medications that were making it possible for me to live my life and start job hunting again. Even if I could afford the medications, when the scripts run out I would not at all be able to afford the costs of doctors visits to have them refilled, my blood levels checked, etc.
If anyone could help me out here, I would REALLY appreciate it. It has had me freaked out for a week, and that is causing the issues that I've been treated for to flair up, especially since I've run out of a few medications.
I was going to make a recipe that calls for an immersion blender. I don’t have one and can’t invest in it right now. Recommendations?
Here’s the one I was going to make:
https://www.diynatural.com/how-to-get-rid-of-stretch-marks-naturally/
I made a Shea body butter last week. I thought to add honey to it for more benefits and I love the scent of honey. I added 2 teaspoonfuls of honey but it felt sticky so I added olive oil. It still feels sticky. Not sure what to do?
If it's not covered by insurance?
I had a plan through the Marketplace for the past year, but got married last month. I probably should have cancelled my marketplace plan sooner, but I just now cancelled the plan and am on my partner's plan. I know the Marketplace will prorate the rest of November, but is there anything I can do to recoup anything I've paid since that life event?
An option for some collge students, for example
Hello reddit,
I had this same problem last year and was able to get in touch with a financial advisor who helped me for free. I just can't remember exactly what we did and I've been unable to get in touch with anyone else so far.
I am a resident of MO and my income this year is between 10 and 11K (I'm a student). I did my application and sure enough it says I am too poor to qualify for tax credit, but I don't qualify for medicare. (I'm young, non military, single, generally healthy etc). My memory is foggy but I seem to recall that the advisor and I fixed the problem by pulling my application and recreating it and essentially overestimating my income so it was right at the poverty level, allowing me to get the tax credit, which did not result in penalties. Does this sound accurate?
Thanks for your help!