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Joined 1 year ago
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Cake day: August 27th, 2023

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  • I have Premera (which is apparently considered pretty good for an insurance company if there is such a thing). I herniated a disc really bad in my back nearly two years ago. When I injured it I knew right away that it was a herniated disc, again but way worse than last time. Luckily, the doctors in my system are way too familiar with all the tricks for insurance to avoid coverage and I wouldn’t have been able to navigate the system by myself, a few examples.

    1. I initially reached directly out to my spinal doc instead of primary care first, they told me to go through primary care first or insurance will not pay, but tell me after it’s too late because it’ll take months for them to determine final coverage. This saved me about $60k.

    2. Don’t get the MRI at the hospital that is in my network, for some reason they will find a reason to not pay because they use a newer MRI machine or something, instead go to this weird third party company.

    3. have the people in the docs office help you fill out the paperwork and always always always say that “this prevents me from doing my job or affects job performance” even if it doesn’t . One thing the insurance company likes is a paying customer, if you get fired or have to quit, you are no longer a paying customer.

    4. don’t do the bare minimum for coverage, if you are only required to do 12 weeks of PT for surgery approval, do 16 instead. Insurance will always make a way for 12 to actually only be 10 and void any support for your surgery. If you only need one doctors visit, do 3.

    5. you will get sent several forms via mail. Fill every single one out no matter how ridiculous. I had one asking me about pregnancy health, and I’m a guy, docs office said if I didn’t fill it out that the insurance would deny my claim. Also, take a picture each time and make sure you answer the same way every time. Don’t say in one form “I injured myself in my back yard” then in the next form say “I injured myself at home”. They will find a way to say you are talking about two separate injuries and that voids the claims.

    Probably a bunch of other stuff I can’t think of


  • Disney did what Disney does and killed it. They always take these big IPs and then stack so much bureaucracy around them that nothing ever gets done without getting approved by a committee that is approved by another committee which kills the artists original intent and messaging. They know that they can’t get experienced and talented artists to create their content anymore because they aren’t malleable enough so they either have to shove 10’s of millions down their throat or hire some wanker off the street. Then the wanker they hire off the street is always like “I don’t read the comics, lul XD!” And they right some shitty girlboss Mary Sue movie that no one likes then call all the fans racist, sexist, homophobes. Who was Agatha all along for? Some imaginary audience of post 40 wine aunts that also love marvel and pay for Disney+?