$0.13213 per kWh plus a $0.58915 per day “customer charge”

First time I left my spouse and cat alone, my cat trapped them in the bathroom.

I don’t know the actual answer. My theory is it’s this confusing so it’s hard for the general population to catch the mistakes. This allows insurance companies get out of paying as much as they’re supposed to. And hospitals don’t really care who does the paying, as long as they get paid

All very valid points and part of why American health insurance is such a joke

I had an incident recently where my spouse had to go to the ER because of a life threatening incident. One of those fix it right now or they might die things. (They’re fine now, thank goodness.)

We went to an in-network hospital and all doctors were also in-network. However the one who actually did the life-saving procedure was a specialist. Under our insurance plan seeing a specialist requires a referral, which of course we didn’t have time to get. So insurance tried to nope out of that doctor’s entire bill.

You need to know both your deductible and out of pocket maximum numbers. You’ve said your deductible is $1500. For the sake of this example let’s say your out of pocket max (OOP from now on) is $2500.

For simplicity, we’ll go with your insurance’s negotiated rate for the procedure is $1000*. Meaning at the end of the day you and your insurance combined will pay the hospital $1000.

Basically any bills up to $1500 for the year you pay 100%. Between $1500 and $2500 (or your OOP), insurance pays 50% and you pay 50%. Over $2500 insurance pays 100%.

Some examples to illustrate:

1. You’ve paid $400 this year so far. You pay the full $1000: $400 + $1000 = $1400 which is less than your deductible of $1500
2. You’ve paid $1000 so far this year. You pay $750 and insurance pays $250: $500 gets you to the $1500 deductible limit so you have to pay all that, plus you pay 50% of the remaining $500 bill = $250.
3. You’ve paid $1700 so far. You pay $500 and insurance pays $500. $1700 + $500 = $2200 which is less than your OOP of $2500
4. You’ve paid $2300 so far. You pay $200 and insurance pays $800. 50% of $1000 = $500 but $500 would put you over your OOP of $2500. $2500 - $2300 = $200. You pay $200 and insurance pays the rest.
5. You’ve paid $2500 so far. Insurance pays $1000

• If your insurance’s negotiated rate for the procedure is $1000, this means that’s what the hospital and insurance have agreed to pay. A lot of times you’ll see the hospital “charge” a larger number and then have an insurance “discount” but ignore this. It doesn’t factor into deductible or out of pocket maximum calculations.

That cat does kind of look like Nermal

You betcha

And then you go put more peanuts out, I assume

The focus on both their faces is amazing

I know you probably already give her lots, but give her even more neck scritches for me please

For bills that are due on a regular basis but not monthly (car registration, oil changes, pet’s annual check up, HVAC check ups if you own a home, etc) - figure out how much each costs per year, add them all up, divide by 12, and set up an auto-transfer to a savings account for that amount every month. Don’t forget to include that amount in your monthly budget too.

I will look into those. Thank you for taking the time to type it all up, kind stranger

I believe this is the recipe

This is a really good idea. What program did you use to convert them?

Don’t get fooled into thinking they are stuck.

And they will be very annoyed if you “rescue” them

Edit: Added quote to make it clear. Although lots of things you do will annoy your cat

When mine was young I only gave him dry food. Then he developed kidney disease (CKD) 4 years ago. It and diabetes are fairly common in older cats.

Now he gets dry food plus wet food in the morning and evening - 1/2 of a little can or 1/4 of a bigger can at each feeding. The dry food and wet food are in separate bowls. That plus finding a water fountain he likes has so far kept his kidney disease from getting any worse.

Next cat I’ll give wet and dry food from the start.

Oh Bob’s Burgers is an awesome idea. Adding that to my rotation

Mostly dramas: Bones, House, Criminal Minds, NCIS. Plus Stargate SG-1

Freezing your credits means you (or anyone else) cannot access your credit report to open new lines of credit. No credit cards, mortgages, car loans, nothing.

I watch a tv show on my phone. I know it goes against all the traditional advice, blue light is bad for sleep, blah blah blah. For me, it means I can get 7 or 8 hours of sleep instead of 3.

I don’t watch just any tv though. It has to: 1. Be a show I know well enough where I can tell which character is speaking when I’m only listening. 2. Have a good amount of seasons (8 or more) so I don’t get to where I’ve memorized the episodes and my mind starts to wander. 3. Is one I know in general what’s gonna happen with the characters (so I don’t have to stay up and find out what happens) but isn’t one I love so much that I can’t stop watching. And 4. Doesn’t have a bunch of nonverbal stuff that’s important to the plot.

I have a sleep headband with little speakers in it so it doesn’t keep my partner up. When I’m ready for bed, I make sure my screen brightness is turned all the way down, I put on my sleep headphones, and I lay down and close my eyes to listen to the show. Usually I can fall asleep in less than an hour, as long as I keep my eyes closed. Otherwise I get caught up watching the show and before I know it I’ve watched 3 episodes and I’m still awake.