hey guys psa regarding hospital bills

don’t just pay it. do not automatically pay the hospital bill when you receive it. call your health insurance provider and POLITELY say, “excuse me, i just received a bill for $1200 for my hospital visit/ER visit/etc., is that the correct amount i’m supposed to pay?” because hospitals bill you before your health insurance and they will take your money no matter how the amount due may change based on your health insurance looking at it. 90% of the time, if your health insurance is in any way involved in the payment of that bill, you do not have to pay as much as the hospital is billing you for. call your health insurance provider first, and POLITELY request clarification, always remember that the person you are talking to is human and this is just their job, and then you will very likely find out you actually only owe $500.

don’t shout at anyone about it, don’t get mad, just understand that this is The Way Things Are right now and call your health insurance provider before paying the bill your hospital just sent you. there’s a chance the hospital bill might be correct, true, but call your health insurance provider.

THIS IS SUPER IMPORTANT. after my car accident last year the hospital billed me ~$8000. They sent me letters asking me to pay, and I called them back saying my insurance was processing the claim. This is also what I told the collection agency when they kept calling me about the $1000 emergency room fee (billed separately from the hospital fee, mind you). Once everything got straightened out, all I was actually liable for was my $200 emergency copay.

!!!!!!! things my ass didn’t know !!!!!!!!

Yes this is a life lesson my adulting ass didn’t know I needed and I’m out 80 bucks for an anti-nausea pill. 😒😒😒😒😒

Reblogging for American friends.

Also, it is important [for people receiving medical care in the USA] to carefully read all of the items on the medical bill and look for errors and overcharges. I know that the normal feelings of avoidance and dread can make it hard to look at scary hospital bills, and that’s okay! But as the OP mentions, private orgs like hospitals don’t monitor overpayment of bills - they are motivated to charge you extra - and it is basically impossible to get your money back. Read the bill carefully and make sure that the charges are correct, using the links below for help if you need. If they haven’t sent you an itemized list, you can ask for one. Sometimes you will be charged extra for items or treatment you didn’t receive. Most people don’t know that you can dispute medical bills! But in 2009, Consumer Reports stated that 8 out of 10 medical bills scrutinized by a watchdog had errors, and generally you are not obligated to pay for someone else’s error.

You may be charged for using medication that you actually brought into the hospital with you - that’s easy to dispute! You may be charged for the consumables used during your stay such as sheets, gloves, gowns, etc - the hospital should actually cover that under its running budget. You may be charged for a brand name drug if the generic was available for cheaper - the links below explain how and when you can dispute this. You may be charged a surprisingly expensive “oral administration fee” (where a nurse puts pills for you to take in a little clean paper cup and then hands it to you) but that’s worth disputing if you were actually able to take the pill out of a bottle and put it in your own mouth. And so on.

8 Things You Should Know About Challenging a Medical Bill (FORBES) (includes links to sites that help you calculate how much a procedure/treatment usually costs in your area, if the costs seem super high)

7 Tips for Fighting and Paying A Huge Medical Bill (FORBES) This explains briefly how to negotiate costs, and payment plans.

10 Common Medical Billing Overcharges You Can Prevent (Bill Advocates) A breakdown of errors and overcharges to double check.

Check medical bills for errors: Overcharges are fairly common, and correcting them can save you thousands of dollars (Consumer Reports) More of the same with links to some groups.

Ugh one thing I loved about Thailand was I had a hospital visit, filled out a (half) sheet of paper, saw the doctor, had tests run and got 5 medications under 45 minutes all for $60 flat no insurance needed.

Get it together America.

cyrilrolando:
“The Hope by `AquaSixio
”

i honestly think the healthiest way to have fun on social media is to find a group of friends and value them as people just as you’d do offline because in my experience fixating entirely on being an ‘internet presence’ with a huge follower base does really weird things to people

Will 2019 be the year when people stop using “Latinx” instead of the already gender neutral Latinos? You know the gender neutral word that exists and can actually be used in its own actual language?

One day…

As a Latino who speaks Spanish I am so sick of people using “Latinix”. 95% of the time it’s used by white people who don’t speak Spanish. It is not your job to make a “gender neutral” word for us just because you don’t understand our language. Latina is for just women, Latino is for just men, Latinos is for BOTH. It is GENDER NUTERAL. Just like Abeula is grandma, Abuelo is grandpa, and Abuelos would be the gender-neutral term for grandparents.

(This is ok for non Latinos/Spanish speakers to reblog)

I understand the “white people who don’t speak Spanish use the term” thing, but I need to let you know that some of us actually use the “x” or the “e” as a gender neutral/inclusive language option. Personally, I go by female prononuns, but some friends of mine who prefer gender neutral ones don’t like the “o” and will use the “e”/”x” instead. Other’s won’t care. And some other people will come whining about how we can’t use “todes” instead of “todos” because it hasn’t been approved by the RAE… (even if the RAE is just a bunch of old dudes who accept atrocities such as “alverjas” (arvejas), “toballa” (toalla), “almóndigas” (albóndigas), “murciégalo” (murciélago) as correct words but will blabber about how language can’t be deformed to have gender neutral words that don’t sound like the masculine… )

idk… 

I’m from Latin America and as a Spanish speaker I can tell you that those words are not gender neutral! Todos (all) is masculine and todas (all) is femenine. Most words have no gender neutral version in our dictionary, therefore, there’s no representation for people who prefer gender neutral pronouns or women. The use of “todos” is supposed to include both women and men, but it’s clearly masculine.

The same happens with other pronouns. Here are some: “ella” (she), “él” (he), “ellas” (femenine form of them), “ellos” (masculine form of them), “nosotras” (femenine form of we), “nosotros” (masculine form of we). As you see there is no equivalent of “they” for people who prefer gender neutral pronouns, making them invisible in our language.

You should also remember that in Latin America, our society is very conservative, barely accepting lgbtqia+ people. Trans people are the ones who suffer the most because of this (I’m not the best to say this as I’m not trans, but it must be said). This is why what our (mostly religious) governments and dictionaries say isn’t important in this situation. Because they don’t care about the welfare of minorities and some- if not most- are literally against their rights. So I don’t care that the RAE says “todos” is neutral, it’s not.

This is why nowadays most lgbtqia+ people decided to start replacing the “o” in words like “todos, nosotros, ellos” (all, we, them) with an “X” or “e”, creating the possibility of a gender neutral pronoun meaning “they”: Elle. It gives an opportunity to those who don’t want to be called “él o ella” (he or she) and includes everyone in our language. This new pronouns are very rarely used in public and mostly used written as “Latinx” instead of “latines”, the latter being more inclusive.

This is why it’s so important. But like gender neutral pronouns aren’t considered correct, they are ridiculed by most people. Why should you accept people who prefer “they/them” pronouns but not “elle”? They may have invented that pronoun, yes, but that was due to a lack of representation in their own language which basically erased their identities!

I’m not saying this is a permanent matter of fact, there are constant debates in the community but this is the latest update I can give you and a way to be an ally to the Latin American LGBTQIA+ community. Sorry for the long post.

Please reblog this, Latin American or not. It’s okay to want to spread awareness but don’t just spread hurtful information from the first Latin American you encounter without knowing the counterargument.

deepspacequeer

tfw someone calls you their friend for the first time

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tfw someone calls you their friend for the 323,729,425th time

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shout out to all the people who aren’t for whatever reason going out with friends to celebrate the new year, to those who are staying in, to those who won’t be seeing fireworks. i hope you have a lovely new year’s eve anyway.

last chance to declare yourself my true love or mortal enemy off anon before the year ends, lads

I’ve already had one person say they needed this message right now, so:

Whatever you’re doing tonight, I hope you can enjoy it, and stay safe. That goes doubly if things are tough right now; it’s easy to feel down and alone when everyone else seems to be living their best life and having fun. Take it slow, reach out if you need to, and remember: we got through this year, for better or worse, and we can make it through another.

I could put down some ramblings about this year, but instead I’m going to leave the last words right now to actual-ray-of-sunshine, Lin Manuel Miranda:

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my new thing has been just… acting on my ideas. like i thought maybe my desk would look better on a different part of my room so i like. moved it? just like that! i ripped an old anatomy book and stuck the diagrams up on my wall like some kind of old timey victorian doctor. i wanted a starbucks and i walked one and a half miles back and forth in a floridian storm and goddamn it was a good coffee. life is too short babey if you think of something just do it. nike

This was weirdly motivating

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