Tag: insurance

Satyrdaz Theme Music

It’s the darkest of times, it’s the dumbest of times, it’s Trumpiest of times. Borrowed from Mock Paper Scissors.

Bold sunshine shoots the windows today, Satyrda, November 15, 2025. 52 F now, the other numbers are 65 and 42 F for the day’s highs and low. Sunshine and blue are dominating like an NFL team playing a high school JV team. Lovely to rest my eyes on the panorama and what remains of the colorful leaves after the wind tore through over the last several days.

I was walking yesterday evening. Sidewalks and paths are wealthy with discarded leaves. I kicked ’em up as I passed through them like I was six years old. I always enjoy making that ruckus among the leaves. Meanwhile, I deliberately summoned the music to “New York State of Mind” by Billy Joel. My lyrics were adjusted to “Ashlandia State of Mind” and our local streets, activities, and centers of interest. After singing it last night and gazing out on this morning’s view, The Neurons resurrected the song for my morning mental music stream.

The Trump Regime has made statements about demanding all SNAP recipients re-enroll. They believe the debunked myths that SNAP is corruption riddled. 42,000,000 are receiving SNAP. The huge effort to re-enroll them all will fall on the states and the recipients. Recipients who are often children, working poor, struggling lower middle class, elderly and disabled. If this doesn’t scream, THE CRUELTY IS THE POINT, what does?

With the Trump Epstein Shutdown ended after a record run, attention is swinging hard to the Epstein files and Trump’s place among their annals. Dizzy Donny is displaying deeply demented demeanor. Many like me speculate that he knows the terrible things the files will reveal. Here’s hoping for the best.

BTW, that idea about 50-year mortgages is crackers. Won’t do much for helping affordability. Folks still need down payments, need the income for paying property taxes and insurance, and insurance is going higher and higher in many regions due to more extreme weather — but please, let us not say anything about climate change. Heaven forfend the TACO Regime even thinks about doing anything about that. See, with mega AI centers being planned and built, pollution will go yet higher. Demands on water will go yet higher. As will demands on electricity, causing the price of everything to increase, crushing affordability, but never mind all that. Realizing those things and planning to address those things takes something other than greed, lying, and cruelty, and that’s all the Trump Regime has.

The day is calling and the coffee is singing. My hope remains that peace and grace lift themselves up with a mighty shake and come around to yours and mine. Here we go again. Cheers

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Fridaz Wandering Thoughts

Watching television, I saw a GEICO commercial. It featured their gecko spokescritter. A woman pulled back a book on a library shelf, and there was the gecko. What amused me was that the gecko had a little book in his hand. I asked my wife, “Where did the gecko get a little book? There aren’t any other little books on display in the library.”

Without skipping a beat, she replied, “They’re probably in the gecko section.”

That was so quick, I just cracked up in laughter.

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Thirstaz Wandering Thoughts

My thoughts are wandering as I sit in the Pittsburgh Airport, looking out at the rain, eavesdropping on others’ conversations. Most of my focus keeps shifting to Mom’s paperwork. Her paperwork is just like our paperwork.

Pulling out every bill from 1998 on, I laugh. Notes are on sheets of paper and bills. Who was spoken to, time and date, result. Most simply end like that. No further updates. There are insurance and banking papers, visits to hospitals, doctors, and specialists, and the ever-present pile of warranties.

We are the same back home. For the last how many decades, paperwork was needed for ‘just in case’ reference. Bills and payment records could go wrong, and it was incumbent on us to prove what we did. Even then, that sometimes isn’t enough and required we the customer to scale the corporate ladder past the drones and managerial kings and queens until a person was reached who could overrule the bureaucracy.

The paperwork at Mom’s has some interesting personal choices. Lot of paper clippings for things done by her children back in 1970 through 2010. Yellowed, brittle clippings of newspaper death notices for family members and friends. Crisp sheets of white papers in file folders with emails from family printed out. Things from me from my last days in the military in 1995. Travel information for visits in 1998, 2005, etc.

Mom is now battling Verizon. We’ve all been involved in this fight. It’s classic enshittification. Gotta sign in to do anything with them. Calling them? Hahahahaha. What a joker you are. Should be a stand up with your own HBO or Netflix comedy special. Calling them provided us with a window when it would be okay to call them. Mom had it down to fifteen minutes and counted it down to one, phone in hand, doing little else. The appointed minute arrived. Mom moved her hand. “Oops.” Gone! Her new wait time to reach them was eight hours later.

Meanwhile, we parsed Mom’s crazy notes for userIDs and passwords. Several were found for Verizon. None worked. One sister then went through the ‘Forgot Password’ route and tried to change the password. Hahahahahaha. Easier to turn an apple into a ruby.

This is modern life, yeah? At least in first world America, and maybe only among my family. I, of course, cheat. I maintain a spreadsheet of passwords. 112 lines. They’re for my accounts and my wife’s accounts. If that thing ever falls into the wrong hands, it’d be disaster for us. It’s encrypted and password protected. Every time I go in for surgery, I remind my wife of the password.

All of this has cause us to resolve, do a pare down. Purge paperwork and warranties. Get ruthless about it, and damn the consequences.

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Twosda’s Wandering Thoughts

I’m in shock.

I tell my wife, “I’m wearing over eight hundred dollars worth of clothes.”

She looks me over. “Gold-plated underwear?”

“That wouldn’t be comfortable nor practical.” I reconsider the gold-plated undies for a few more seconds. “How would that work?”

“Why are your clothes so pricy?”

“My socks,” I admit.

I’m wearing my compression stockings, as the medical ‘they’ likes to label them. I received a statement about them last night. Review, sign, return. Custom made in Germany to help me cope with lymphedema, the statement reveals that each stocking costs $366.

I explain this to my wife. “Good thing that they’re paid for by Medicare and Tricare for Life. I would have never bought these on my own.”

“No. You’re not comfortable with a pair of shoes that costs over a hundred dollars,” my wife says.

This is true. Fashion doesn’t interest me. I like to be practical. Today’s shoes cost me about sixty. They’re several years old. My jeans are a pre-COVID purchase. Forty dollars. My shirt was bought at an outlet store for $25, I think, over ten years ago. My Columbia fleece is even older. I think I bought it for $40 on sale. Other than the stockings, my undies are the newest things on my person.

Four more stockings are on the way. $366 each. I think about getting a safe to keep them safe.

I begin typing on my computer. Goldplate underwear for men is available at Kohl’s, a search result says. I click on the link. It comes up with gold-plated stainless-steel chains.

Just as well. I don’t think I’m up for gold-plated underwear.

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Health Update

Went for my lymphedema massage assessment the other day. Wednesday. This was driven by my ankle surgery. My edema causes too much swelling for my surgically debrided tendon to fully heal. In their assessment, the sharp young Anastasia declared I had “secondary lymphedema stage 2” because my swelling wasn’t going down overnight. In her notes, she wrote, “Patient currently lacks the knowledge and ability to independently manage current symptoms for this chronic progressive condition.”

Well, WTF. I was insulted. And pissed.

Which was the kick in the ass I needed. I commenced wearing my compression socks almost 24/7. Rested on my back with legs elevated three times a day for twenty minutes at a time yesterday. Increased my exercise and took up the intensity. And increased hydration yet more.

It paid off. This morning, the swelling in my feet, ankles, and calves had dropped. My legs, ankles and feet all had re-assumed their normal size and shape. Sure, it’s temporary, because, as I go through the day, the swelling will commence. I’m wearing my compression socks, though. And, I’ll need to continue to deeply hydrate, elevate my legs, and exercise.

“Lacks knowledge and ability to independently manage current symptoms.” Hah. I’ll show them. I begin my Complex decongestive therapy (CDT) next month. Monday, Wednesday, Friday for four weeks. Two things to cheer: the service is available to me and my insurance covers it.

Here we go.

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Wednesday’s Theme Music

Mood: hopindreamin

Sunshine burst in, a sumumnal morning surprise, antidote to the gray chilly dominance of the previous days. 53 F here now, the sun is expected to induce the air into the mid 70s before the world turns.

This is Wednesday, September 18, 2024.

Got our new insurance done yesterday. After doing quotes online, reading and reading and reading, and speaking with others, we ended up with State Farm. One, as some suggested, there’s a local agent. Two, they’ll provide the insurance we need at a reasonable cost. Three, in the aftermath of the huge Almeda fire several years ago, which destroyed hundreds of homes and businesses, friends raved about how well State Farm handled the situation.

That done, I called American Family Insurance to cancel. Auto insurance cancellation was an eyeblink — or, thanks for calling, have a pleasant evening. Home insurance, she thoroughly identified me and the property in question. Next, she said that she needs to bring up a script to read me. She told me she was going to record the transaction, and was I okay with it? Then she ran through a script which verified again my identification and the property and the flat fact that I was canceling my insurance with them.

I get this. It’s an age of scammers and cheats and pranks. Anyone could theoretically call in, claim to be me, and cancel my insurance. They could do it just to be assholes. Anyway, the company was protecting itself. But it also protects me.

When I finished, I felt like comfort food was in order. Lot of stress and anxiety in researching insurance and making that change and the multiple decisions involved in prices, coverage, and options. It’s serious adulting. But the comfort food was skipped. Sitting there, reflecting as we went through it, I compared it to how it was when I was younger. When income was less and savings were thinner.

The agent remarked on our history. Almost twenty years with that other company and no claims made on home or auto. Yeah, don’t jinx us, I said. Knock on wood. He found it remarkable. My wife, laughing, said it was because we’re boring. I think it’s a blend of caution and luck.

If you know anything about reading this blog, you won’t be surprised to discover that thinking about luck cause Der Neurons to start firing with songs about luck and being lucky. It abated overnight but this morning found them playing Tom Petty and the Heartbreakers in the morning mental music stream (Trademark lucky). The 1982 song, “You Got Lucky” is playing in snatches around eating, nursing coffee as it nurses me, and reading, writing, and thinking. The song is about love and relationships but as a general song about being lucky and how good luck can affect your life, it works. I’ll take good luck whenever it comes and will try to dance around the bad luck when it happens.

Stay positive, be strong, and vote blue. Just 48 days until November 5.

Here’s the music. Cheers

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Tuesday’s Theme Music

Mood: rantingspirit

Much like yesterday and the day before, and in short march of previous days, today woke up cool. We’re ’bout 54 F now. The sky carries blue undiminished by any objects or shades. With Earth rolling toward the sun, the latter brings its heat and light o’er the mountains and trees and begins stoking the air into warmer regions. We expect it to get stoked to 92 F today. Gonna start getting hotter again tomorrow. Heat warning is effect for Thursday.

This is Tuesday, September 3, 2024, BTW.

In personal news, after several months of puttering through the insurance health care maze, I now have an ASAP referral to ortho for my ruptured tendon. They’re supposed to reach out to me. My being’s jaded facet, which has had only one short sip of coffee, asked, “Gosh, I wonder when that’ll take place?” I’m betting in six weeks. That seems the norm for the IHCM, my shorthand for the insurance health care maze.

In the last two days, I went online to get new quotes for car and house insurance. This is the fallout from American Family Insurance and their decisions about our home insurance. We’ve been with them for over twenty years, first in California, then up here in Oregon. They always start their missives by thanking us for being loyal customers.

Well, this time, their missive explained that they’re no longer insuring our home in Oregon. Too much risk, apparently, for their profit margins and executive bonuses. They were moving our insurance to one of their feeder companies. The insurance will cost more but it’ll cover less, just what every loyal customer wants to hear. And BTW, since they’re doing that, I no longer get the home and auto bundle discount. So our car insurance rose, as well.

I sought quotes from new companies. They’re the same old players. Hartford through AARP. They provided a pretty good quote. Allstate through The General. The Zebra sent us to State Farm and Progressive. Great rates for the car from Progressive but they don’t do home insurance in this area. Allstate doesn’t either, but they’ll refer us to another company and get some payments from that company for doing that.

But I’m really posting about it is because the phone calls and text messages have begun. Four phone calls in thirty minutes on our home phone this morning. Only three texts about it this AM, so far I’m braced for a lot more. That’s the cost of doing business, I suppose: getting bludgeoned on phone and text by companies trying to close the deal with you.

My theme for now for my daily theme music remains songs with night in their titles. I asked The Neurons if they had any ideas. “You Shook Me All Night Long” by AC/DC began rocking the morning mental music stream (Trademark declassified). If you’re of a certain age or inclination — or both — this song will have you raising the volume, banging your head, and singing along. It’s kind of weird that the title is ‘you shook me…’ as the lyrics talk about a woman in the third person until the chorus of ‘you shook me…”

Be chill and keep dealing. Here’s the music. Cheers

NOTE: Posting this was delayed by a visit to the growers market. You probably don’t care but just in case you were wondering where it’s been, well, here’s the explanation. Cheers

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Monday’s Theme Music

Mood: bluestormrising

We’re bounding into the last week of August, 2024. Today is Monday, the 26th. Looks like 71 days until the 2024 elections.

It’s 57 F degrees in Ashlandia today. We’re seeing mostly blue sky and sunshine. Pouting clouds lurk around the distant horizons. They act like they’re planning something. We hit 80 degrees yesterday. Today’s high will be a more normal 88 F.

I drifted through the news stories this morning. Feeling a little battered by the disasters, campaigns, rulings, deaths, and general information. The never-ending cycle starts feeling a little heavy.

I was able to help out friends yesterday. We’d stayed together on vacation last week. They then drove home to Ashlandia on Friday, as we did. They insisted that they’d lost their key fob. Must’ve left it back at the vacation place.

Well, wait; how did they drive and charge their EV if they lacked a key fob? They insisted they had. They looked everywhere for it. Didn’t find it, so they must have driven home without it.

I researched that, and like, no way did they drive and recharge their Hyundai Kona EV SUV without the key fob or any key. I went over and found it in about a minute, under their passenger seat against the transmission tunnel. They were absolutely flabbergasted but grateful.

After I was looking for it, they mentioned they’d lost a cell phone. I’d notice one in their car, in the center console compartment. Yes, that was their missing phone. We suggested they might need to rest.

We’re dealing with home insurance issues. After being with Connect, which is Costco’s insurance program with American Family Insurance, for over fifteen years while living here, they’re dropping us. They’re worried about what the cost of insuring us for fires might do to their profits. Homeowners see this sort of things from insurance companies all the time. They’re there and willing to take your money until your place is too large of a risk for their profit margins. It’s not just us but all over town, and not just Connect. I’m hearing the same thing from friends and relatives in other parts of the state.

We’ve seen this before. Earthquakes insurance premiums skyrocket, and then the company announces they won’t insure you any more because you’re in an earthquake zone. Our flood insurance one year went from $300 a year to over $3000, because the city said we’re in a 100-year-flood zone. After the terrorist attacks of 9/11, insurance companies bailed on paying for acts of terrorism. Of course, places that see regular tornado, hurricane, or flood damages already have felt the impact of insurance companies running away from them. That includes insurers leaving California and other states in droves after catastrophic wildfires. Capitalism at its finest. Yes, that is snark.

For us, our home insurance will go from $360 to $1140 a year. It will no longer be through Costco Connect, but to one of American Family Insurance’s feeder companies. Yes, we are looking for a new insurance company for home and auto. We don’t appreciate being passed around like a cheap bottle of wine.

And with extreme weather events happening more frequently as predicted by climate change models, expect more withdrawals by insurance companies. Soon, they’ll only be insuring the wealthy and powerful.

This week’s theme music concept remains time in the song title. There’s an abundance of such songs out there. Today, though, The Neurons pulled out one that they said is dedicated to Don Old Trump and his merry band of MAGAts. Yes, today The Neurons have the Guest Who song from 1969, “No Time”, thumping in the morning mental music stream (Trademark paused). The Canadian group’s opening line in this song is, “No time left for you.” Right on, Neurons. No time left for Trump. I like it.

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Coffee Powr

I’m a retired military veteran and over sixty-five years old. That combo means my health insurance is through a hybrid product that requires me to sign up for Medicare A & B when I turned 65. Mediacare provides primary coverage to me and my wife; TriCare for Life (TFL, officially known on the web as TriCare4Life) gives us secondary coverage. It’s not a bad deal. It isn’t free; my wife and I both pay for Part B.

What made my coffee taste more bitter than usual was a bill from my provider received this month. They said I owed them over a hundred dollars for lab work and that TFL hadn’t paid anything. Egged on by my other, that sent me into a tizzy of indignation. A website I found said, yep, TFL doesn’t pay for preventive lab work. This made no friggin’ sense and only urged me to greater outrage.

I logged into the various systems this week to find answers. Not finding satisfaction there, I was forced to *gag* call them and speak to people. I have nothing against people or talking but I dislike phones and bureaucracies. Girding myself with a mug of stout dark goodness, I called T4L. After providing evidence of who I am and waiting a few minutes, I was connected to Derek.

I explained it all to him and proved who I am to him. Derek began ferreting through the systems for more about my grievance. I logged into my provider portal and dug out more details. Shame on me, but only then did I realize that this bill was for services from May of 2022. That just seemed wild that I’m dealing with that over eighteen months later.

Derek looked into it and discovered that T4L didn’t pay it because Asante, who did the work, didn’t send an EOB for the Medicare part that was paid. “Have more coffee and call the provider,” Derek advised.

Thanking him for his assistance and wishing him a good day and Merry New Year, I did so. After providing evidence about who I am and a short wait, Karen heard my tale. “Interesting,” she said. “We show that T4L denied the claim.”

What?

She went on to tell me it’d been rejected three times and that’s why they were now billing me. “Let me contact the insurance section and confirm they sent the needed EOB,” she went on. “I’m going to email them now.” She typed away while I listened to keyboard clickety-clack. “There,” she said. “Now we’ll see what happens. Your bill is due next week but ignore that. If you get another bill or notice asking for payment, give us a call to check on the status, okay?”

Sure. I thanked Karen, wished her good day and Happy New Year, hung up and wrote up my notes. Now I wait, but I feel optimistic about the outcome. The whole thing only took one hour.

I couldn’t have done it without coffee, though.

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Friday’s Wandering Thought

Since retiring from the military in the 1990s, I’ve had health insurance through various Tricare programs, which replaced CHAMPUS. Most recently, my coverage was mandated to be Tricare for Life. It worked well. Of course, to continue using TFL, I was required to sign up for and start paying for Medicare once I became 65 years of age, which happened two years ago. This is a vein of the product called ‘Tricare for Life Medicare’.

I was recently hit with a bill for lab work done earlier this year. The lab bill was $300 and I had to pay $108 of that.

That surprised me. Investigating my benefits, I found that Medicare paid part. I thought TFL would cover the rest, but no; Tricare for Life Medicare doesn’t cover preventative lab work, only such work for life-threatening issues.

After a life of being pushed to be proactive and take preventative measures to find and treat health conditions in early stages, it seems like an odd turn of coverage. Makes me re-think what they were thinking when they called the program ‘Tricare for Life’.

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