shipps

QUOTE (Y2JImmy0 @ Nov 20, 2015 -> 12:40 PM) Royal is out. Jeffery will play. McPhee should play it sounds like. Grasu back at C. Grassu has been cleared to play? I am surprised on that considering its a neck issue and he was taking it easy in practice all week from reports. If Royal is the only one out that is great news.

QUOTE (Jenksismyb**** @ Nov 20, 2015 -> 01:12 PM) Pssh, more like $800. I've seen $30k ER charges "adjusted" down to $2800 before. Medicare does this worse than anyone. Medicare tells the hospital what a procedure costs and there are no if's and's or but's about it. The hospital accepts that medicare rate that's not even close to what the actual charge is which they pay months later.

QUOTE (StrangeSox @ Nov 20, 2015 -> 11:22 AM) Thanks for the thread though, shipps. Prompted me to go back and review what my plan actually is. Cool. I figured since this is enrollment time its a great time to talk about it.

QUOTE (LittleHurt05 @ Nov 20, 2015 -> 11:17 AM) What I don't get is the whole insurance "discount" or reduction. A doctor or hospital charges $10,000 for something, and the insurance just says, nope, you will take $6k and you will like it. How does that even happen on both ends? Uninsured people have to pay double, besides not having any coverage? It's all a scam I tell ya. Thats the contractual agreement that makes the two sides In Network with one another. Uninsured people get an automatic discount for being self-pay in pretty much every facility. Our patients who live in Illinois who are self pay get a 68% discount.

I always assume I will be coming out of pocket max for that given year and if that's not the case then great. Now in terms of going to clinic visits that don't except insurance for certain services, that can be really frustrating. It doesn't make any sense at all. And if you really want to find out how much procedures cost you can. Every hospital has to have some sort of Financial Counselor that can look up in their pricing system of estimated costs. We particularly need a CPT code (procedure code directly related with the test or procedure) and we can pull up estimated costs in a matter of seconds. But most of the time its not even necessary because if you are having some sort of procedure you are going to meet your out of pocket max because they are usually expensive.

I see it happen so often to where people get screwed because they didn't read their benefits and the networks of where they can go. It doesn't take too long to find out a few basic things about your coverage. 1. What is the exact name of my policy and where can I go that is considered In-Network with my plan? 2. What is my deductible (because I will have to come out of pocket this amount until insurance pays)? 3. What is my Out of pocket Max? This is the most you can come out of pocket after you have met your deductible. The percentage break down of this amount is your Co-insurance. Example 80/20 meaning the insurance company will pay 80 percent and you are left with the remaining 20 percent until you reach the Out of pocket max. Your copay amounts really are the least of a concern because those are minimal. When you are utilizing your insurance out of network is when you really get screwed because your deductible winds up being thousands of dollars more and your out of pocket max is thousands more.

I work as a Counselor at a hospital and we have been taking calls all day every day by people who just have no clue how insurance even works. They think if its Blue Cross Blue Shield they can use it at our hospital and it will be great!...Why?.....Well, because its Blue Cross and they are awesome! They have advertisement everywhere so they must be good. Do you sit down and read the benefits? Do you understand In and Out of Network? The more I talk to people it appears a lot of people do not understand how their insurance really works and when the s*** hits the fan and it doesn't cover like they thought they are pissed.

QUOTE (Jenksismyb**** @ Nov 19, 2015 -> 04:08 PM) I like my system: spend an entire day getting a live tree, decorating the tree, decorating the inside of the house and decorating the outside of the house the Sunday after Thanksgiving. Then travel 3 weekends out of the 4 in December for family holiday get together. Enjoy the tree, lights and decorations for a limited amount of time. Get angry at s***head cats for getting into tree on a daily basis. Take down lights and decorations the weekend after New Years. Get stabbed by 1000 sharp needles from dried tree while taking it out. Rinse and repeated annually. My wife asks me why do I torture myself with this every year. She is like why do I let myself get so upset when I know the cat is going to do it.

QUOTE (Brian @ Nov 19, 2015 -> 03:46 PM) Putting them out and putting them out and turning them on right away are two different things. I put mine out the week before thanksgiving but don't turn them on until thanksgiving night. Exactly. I wouldnt have turned them on until after thanksgiving for sure.

Lets make that happen.

QUOTE (bmags @ Nov 19, 2015 -> 09:09 AM) Well, looks like it was an entertaining game. Glad it was on at midnight. I have to say...Hinrich is the #2 PG on this team. Brooks is so bad, he has one idea every time he goes up and when its not there he chucks it. Moore also not playing well. Would love trade Taj for backup guard help. Hinrich has looked surprisingly good. With all the wear and tear on his body over the years he could have just packed it in like I expected him to but he hasnt.

I really wanted to put up christmas lights this weekend but I think I will hold off until the next weekend hoping for a lil better weather.

This is a new sales pitch how?

The only thing that effects attendance is winning and losing. If trading Sale means more wins than ultimately it should positively effect attendance. Period. Now for a losing team I suppose it would help in attendance on days Sale pitches but I am not sure there were much more people showing up last year. Actually with some of his best games it was pretty empty unfortunately.

QUOTE (Chisoxfn @ Nov 17, 2015 -> 05:21 PM) The road trip will be interesting. Good time for the players to bond (I know not a lot of new faces, but still, an early road trip can be good, especially with the new coaching staff). It also provides a major early test. Either way, I've enjoyed the early part of this season and had fun watching the games, which after the past few years of watching White Sox baseball and last year's Bear season, is really something I have come to appreciate. I was busy screaming at the TV last night and fired up when Buckets had that last second block and that is more enthusiasm than I've had about a Sox game in 3 years (which just shows you the current state of the franchise given how we've been irrelevant by the end of April pretty much every year the past 3 years..which is sad and hard to freaking do). I am with you. We have really had to endure some terrible teams across the board so I am willing to take what I can get. Do I like all the guys on this Bulls team? Hellllllllllll no.....but they are still my team and I want them to win badly. They have a fighting chance against the East until proven otherwise and I have enjoyed watching them feel their way through this transition period to Fredbergs system.

QUOTE (scs787 @ Nov 16, 2015 -> 08:59 PM) Browns only had 298 yards against the Broncos. Meaning the Bears will have to get takeaways to win this game.

The Broncos will probably "John Fox" the Bears next Sunday and have the game hinge upon the final couple drives right? Are they capable of running the ball as well as the Bears? I know their defense is more likely to come up with some takeaways than the Bears D which may even things out.

QUOTE (RockRaines @ Nov 16, 2015 -> 09:48 AM) Nothing like losing on Thanksgiving Have the Bears ever in their history won on Thanksgiving?

QUOTE (raBBit @ Nov 14, 2015 -> 11:54 AM) HG has a great mix. Outside of Cook County but just over the edge. Not too far from the city. Good mix of commerce and forrest preserves. Good school districts. It's gotta be one of the better SW suburbs all things considered. When we lived in Chicago we always traveled to the suburbs on the weekend for shopping, movies, restaurants etc...now that we live in Homer we have all the places that we used to have to travel to really close to us. Orland, LaGrange, Bolingbrook and even the northern suburbs are easier to get to because we can hop on 294 and pass up all the traffic we used to hit going through the Loop congestion. Homer is an awesome place to live. But damn, during the week in my work travel it suuuuuuuuuuuuucks.

hand us over the draft pick now...

So all of these separate events happened around the same time right? Have they yet to say for sure its terrorism? It obviously is but they havent officially said it I presume.

QUOTE (Jenksismyb**** @ Nov 12, 2015 -> 04:36 PM) I presume you take I-55? Metra only has like 3 trains per morning/evening rush. Not very flexible. The problem is my wife has to drive to Rush everyday. Right now it's 45 min with rush hour traffic, like 20 without. So that's be quite the bump up. I live in Homer Glen which is little further South than Lemont and I too travel to Rush everyday. If I have the luxury to not have to drop my kids off in the city then it takes me about an hour and ten minutes to get to work (on the low end). It will give her that 20-40 extra minutes of travel time that doesn't seem like much as it stands alone but it adds up and after a while it is rough. She will complain about the travel time for sure.

QUOTE (southsider2k5 @ Nov 12, 2015 -> 02:07 PM) 670 The Score ‏@670TheScore 1m1 minute ago #Bears receiver Alshon Jeffery is injured again, tweaking his groin on Wednesday. Update from @CEmma670: http://cbsloc.al/1RRJxal See, now this is starting to be really frustrating with him. What the hell.

QUOTE (Jenksismyb**** @ Nov 11, 2015 -> 03:53 PM) Friends of my parents moved to Texas (had enough of the winter) and they were looking to get rid of it when they were getting packed up. I asked how much, he said $200, I said sold! Thing looks/runs great. I will give you $250! Ehhhhhh? Ehhhhhhh?

I am not ready.