• 0 Posts
  • 5 Comments
Joined 1 year ago
cake
Cake day: July 20th, 2023

help-circle


  • The conversation would be entirely different if they had attacked military targets and not civilians. A
    Military base or political building and then suddenly they’re resistance fighters with a lot more backing.

    But they attacked civilians at a festival and kidnaps multinational civilians who have no impact on the regions politics. That turned just about everyone against them.

    I’ve yet to hear anyone defend hamas. I’ve heard people defending Palestine, which is where I am. But it’s more defending the innocents that aren’t involved than Hamas. I’ve heard people be anti Israel, but many of them don’t support Hamas either. And those who are ok with killing civilians because of their government are already pretty lost. I’ve also seen anti US since we’re involved and while I wish we just weren’t involved at all, or at least trying to negotiate a ceasefire, most of those people are just “USA bad, disagree without thinking” types. Overall though there has really been no defense of Hamas at all


  • Idk where your coming from but as someone who had $12k in an HSA and employer medical that’s bs.

    I went to the eye doctor and needed glasses. Tried using my HSA. Nope. Not an approved medical expense. Tried paying a copay at the er. Nope not an approved medical expense. Wife got a kidney stone removed via surgery. Wanted to pay coinsurance. Nope not an approved medical expense. I needed a cpap for my sleep apnea. Nope not an approved medical expense. Year rolled over and all that money disappeared. I asked where it went and was told I either used it or lost it. So I got rid of it. Fucking garbage.

    As for the employer coverage, we had a zero dollar deductible plan. My wife gave birth last year. Ambulance ride from her work? Nope, not necessary. All the gyno visits? Nope, not necessary. The ER visit when she slipped and fell at 6 months? Nope, not necessary. The 2 week hospital stay when she went preeclamptic? Nope, not necessary. The delivery? Nope, not necessary. The NICU stay for our premature daughter? Nope, not necessary.

    I payed $1700 per PAY for my health insurance and they didn’t cover a cent from our entire family last year. We racked up over $70k in medical debt. Our MOOP was $5k/$10k and they said none of it applied.

    Hospital sent it to collections because we couldn’t fit their minimum payment of $9k/mth (fuck duke lifepoint but this is an insurance rant). We complained to the pa board of health insurance and were advised to get a lawyer but no lawyer would take it. They said it would be years to get anything back, let alone the full amount.

    We ended up proving that my employer doesn’t offer comprehensive insurance. The main component is covering pre and post natal care which they claim to, but they deny every time. So now we have insurance through penni for $60/mth with government help. Oh and we went through bankruptcy to get rid of the collections debt.

    Fuck Cigna, fuck duke lifepoint, fuck insurance, fuck for profit healthcare, fuck the American healthcare system.


  • You can file bankruptcy independently. It’s a bit more complicated but possible.

    I just went through it and honestly, I’m so relieved. It’s not something you want to go through, but sometimes people fuck up and can’t unfuck their finances. It helped me and my wife unfuck our finances. We declared bankruptcy in March and were debt free by May. We now own a house and are actually able to live our lives how we want. Our daughter turned a year and we decided to throw her a massive bday. We put 2 grand into her party. Something we couldn’t have done with our debt. We’re going to a couple USL playoff games this season as well.

    On top of that we got new flooring in our house, something we desperately needed. We just had a new furnace installed. I have a quote coming for replacing our stairs that are falling apart. The loans are a pain to get but it’s doable and we’re paying them off before the interest gets too bad. Again, something we wouldn’t be able to do in debt.

    Bankruptcy shouldn’t be something anyone wants to do, but also don’t be afraid of it.