Showing posts with label #insurance. Show all posts
Showing posts with label #insurance. Show all posts

Wednesday, March 06, 2024

Surviving, Day #2


No, it's not Jacob's birthday, and he hasn't been 14 for several years.
But in the upper left you can see the trees I've written about tonight.
They are too beautiful to lose, and we need lots of trees for the climate.

Yesterday it was the ophthalmologist; today it was the dentist and the driveway, or teeth and trees. The dentist first:

When I was a kid, back in the Dark Ages, I had bad teeth, inherited I’m told from my dear father. Whatever, I had lots of cavities and in my tween years spent a lot of time in the dentist’s office. The dentist happened to be a family friend—he and his wife/nurse were Uncle Walt and Aunt Kaffee. Uncle Walt was a taciturn man, but what did a kid of twelve know about taciturn? I just thought he was disapproving of me, and I was intimidated. In those days, the dentist’s drill was a clumsy, slow thing and having all my cavities filled was a long and painful process. (To Uncle Walt’s credit, most of those gold fillings are still in my head some seventy years later and to his double credit as an adult I learned to appreciate him.) Needless to say, I dreaded and hated going to the dentist. I remember making those trips to the Hyde Park Bank building, though now I can’t tell you if it was on 51st Street or 53rd. Seems to me, I went alone, though some thirty years later I always went to the dentist with my children. Add to all that the truth that anxiety is a feeling I’m all too familiar with, and it’s easy to understand that I carry with me today some dental phobia. At my ripe old age, I have finally learned to take excellent care of my teeth (especially if I don’t eat blueberries) and the hygienist is pleased with me. Visits are usually not long and always painless—especially since she’s agreed not to use the hydroelectric thing on my teeth. But I still get anxious, so having a dental cleaning behind me is a great relief. Of course I have to go back in three months, but I’ll worry about that tomorrow.

And I’ve had such problems with dental insurance. I didn’t like Cigna’s coupon books because I pay through my bank, so I ignored their coupons, sent them checks which they returned, and then they cancelled me for nonpayment. Me, Pollyanna, the good girl who pays all bills promptly! Then I took out an Ameritas policy which not only didn’t save me money, it cost me because it hardly paid anything on my dental bills and I was left with a huge balance plus monthly insurance payments. It seems that my dentist was out of network, but then I found he isn’t in any networks and yet he has a thriving practice. So I cancelled Ameritas (angrily, I admit) and discovered my Humana Medicare covers dental work—why I didn’t know that all along is another puzzle. But the final blow came today when I was told that with any Medicare policy, I have to pay the full amount up front, and they will reimburse me when the insurance pays. The system is beyond me, but I admit to a few unladylike phrases today (not in the dentist’s office, however).

On to the trees: For years I’ve worried about two tall, beautiful oaks that grow at the edge of our driveway, close to the house. They provide wonderful shade for the house in summer. Over the years (maybe as much as a hundred) they have broken and pushed up the concrete of the driveway so navigating it is a real challenge. I knew it would have to be addressed one day. When an arborist surveyed our trees, he suggested replacing the concrete with gravel so the tree roots could breathe. A good friend who has a masonry company offered to pull up the concrete, but the owner of our lawn service threw in a monkey wrench by asking, “What if the concrete is holding the trees up and they fall over?” (One would for sure take out my cottage and me if I were in it.) The arborist said that almost surely wouldn’t happen (no guarantees), but he wanted to treat the trees first to strengthen them. For a couple of weeks I’ve been trying to coordinate arborist, mason, and the lawn service guy. And I’ve been worrying about trees falling over. Was it safe for me to stay in the cottage while the concrete came up? Finally, it was all set for four o’clock Thursday; then it changed to 1:45. And then, today, Wednesday, the concrete crew showed up unexpectedly. Good that it cut down the time for me to be anxious. All went smoothly, the trees are still standing, and the broken concrete is gone.

Tomorrow, there is nothing on my schedule except work at my desk. Nothing, I hope, that I must survive. Color me thankful that these two days are behind me, my eyes are okay, my teeth are clean, the broken concrete is gone, and the trees are fine. God is good..

Saturday, January 29, 2022

What a wicked day

 



All my tecchie troubles came back to me today with such force that I went back to bed twice to avoid facing the day. Last night, my computer did it’s no Wi-Fi thing again, and I could not fix it. That not only meant no email or internet, but I couldn’t write because the computer would not save any new copy. I wasn’t about to work really hard on writing my daily thousand words, only to have them go away when I turned it off for the night—and I’ve always been leery of leaving my computer going 24/7. I rebooted, did everything I knew, and ventured into unknown territory—the Settings page on my computer. Went to Wi-Fi, ran diagnostics, and honestly cannot tell you what else I did. But somehow it worked.

This morning, while Sophie did her business outside, I idly booted my computer and checked email. Took me two seconds to realize I had loosed the hounds from hell who lurk in computers. Without my knowing it, my computer had re-sent some old emails but dated them yesterday, so people thought they were knew. And, I’m sure, thought I had fallen into dementia. An email asking about a guest interview, when in truth that great interview ran weeks ago; a complaint that I couldn’t access the judging site for a contest when, really, I had submitted my evaluation. It was like the last month had been wiped out of my mind. So I spent the morning writing individuals and explaining. One friend sent a link to a site that essentially said that happens, no one knows why, no one knows what to do about it. If you got a crazy email from me, thanks for understanding.

Then my alarm system began to talk to me again for no reason. Having learned earlier in the week, I disarmed it and called the company. Fortunately because of last week’s episode, I now knew my password. Earlier in the week when I fixed this, the tech (and I) took a long time, lots of keypad changes, etc. So I’m leery when this woman said, “You fixed it.” The word security is still highlighted.

But some things did go well. I called my insurance company, found that vision is covered in my policy and I don’t need that extra policy that TCU Is suggesting. Phone call was again so quick and efficient, I was left in doubt. Isn’t that strange—we are so used to long waits that a quick fix makes us suspicious.

The biggest blow was that the county voter registration had rejected my vote-by-mail application. Reason given: I did not supply a personal identification number or the last four of my social number. I had sent one application which, when I called to check on it, had not been received. So I followed with a computer-generated application, which I clearly remember had that information on it. So I think they finally got the first one and rejected it. This morning I sent the requested information in an email—Monday I’ll check to make sure that makes me legal. I am concerned that seven out of ten applications are rejected, whereas before the new law, only two out of ten were rejected. I intend to follow up on that.

On the bright side, Christian, out of sympathy I think, brought me fried chicken for dinner. Looking forward to that. One thing about this isolation is that I’ve been eating well. Jordan made a delicious chicken dish last night—I’m still not sure what was in it, but it was good. And a couple of days ago I made Ina Garten’s recipe for a tuna melt. Tuna salad much as I’ve always made it but with the addition of diced celery and a bit of anchovy paste. When I added pepper, I accidentally opened the wrong end and got much. Not a problem---it was just the right amount of peppery. Used Swiss cheese and broiled it in my new toaster oven. So good I have really bee looking forward to lunch every day.

Obviously my daily writing goal went by the boards. Last night I wrote a mere hundred words, went through an elaborate procedure to save them, only to find out this morning that the computer, despite it’s warnings, had saved the new copy. So tonight I hope to write my thousand words. If the spot on the moon goes away.

Hoping you all had a better day. Enjoy this brief spell of nice weather.

Wednesday, December 01, 2021

Putting out brush fires

 



My favorite graduate school professor, who became a lifelong friend, used to tell me when he was chair of the English department, that he spent his time putting out brush fires. That’s how this week has made me feel about the holiday season. When so many added chores and concerns are on our to-do lists, from Christmas shopping and wrapping to meal planning, everything else, all the little details of daily life, seem to demand more attention.

It is, for instance, the open enrollment period for changing your insurance if you’re on Medicare. Normally I ignore the deluge of mail from various companies that arrives during this period. But my retirement plan gives me access to a site that does cost/benefits comparisons, and they alerted me to a plan that might save me money. The website was complicated—what ones aren’t?—so I called to talk to a real live person. After an hour on hold, I had sort of figured out how to access the information I wanted, but changing insurance providers is a pretty momentous decision. I wanted some back up and called Colin, my oldest son.

He had installed something on my computer called Microsoft Teams which would allow him to see me and my computer. We tried to secure the link for over an hour last night, until he said, “Maybe we should do this in the morning.” I have too often found that walking away from a computer problem only to come back the next day is a great solution.

So this morning we tried again. Went through all the tricks to link us, and then I went through the lengthy process on the website to get to the comparisons—and my connection was broken (this happens a lot, but did it have to happen just then?)—twice. I think we worked on this for over an hour, until Colin said the plans were really pretty comparable, and changing probably wasn’t worth it. Whew!

He did prove to me last weekend that my scanner works, so I can submit bills for reimbursement without the laborious print process I’d been using. So now I have to wait for Jean to show me how to do that.

And then there’s the doctor’s office that billed me twice, and Sisters in Crime which thinks I haven’t renewed when I think I have—they were right, but it took some research to find that out. A grocery list to compile, recipes to choose for a couple of special occasions, the dog groomer appointment, book sales to check, and on and on. No, I did not write one original word today, except this blog, and I don’t think I had one original thought about a project. Irene, poor dear, has faded into the background for a bit.

I did however check on audio sales of Saving Irene, and they are dismal, certainly not worth the money I paid to have it recorded. So I have a sincere question: how many of you listen to audio books? I much prefer to read either print or online, and though I see a lot about how audio is gaining in importance, I don’t see it happening to my experimental book. I don’t think it’s a genre problem because I know of mysteries that do well, and it seems to me mystery more than anything else other than romance should do well in audio. But it would take something major to make me format Irene in Danger for audio. Meantime, remember if you belong to Kindle Unlimited, you can order either Irene book free.

All these brush fires faded last night when friends Jean and Jeannie took Betty and me to The Blue Spire, the upscale dining room in the Trinity Terrace retirement complex. Outstanding service, white linen tablecloths and napkins, crystal wine glasses, and a great menu. I had a Caesar salad, four lollipop lamb chops, roasted carrots (I can never fix those at home), and spinach. I couldn’t live or eat that way every night, but it sure was grand for a treat. Lots of talking and catching up.

To get from the visitor parking to the dining floor is a long, long walk so Jean pushed me in a transport chair (no footrests so I had to stick my feet straight out—good exercise for those muscles). As she was pushing me on the way home, she asked, “Why are we so fortunate?” and I could only echo the question. I feel so blessed and so determined to help the less fortunate, frustrated that I can do so little except some puny financial support for a few causes and politicians and preaching it from my Facebook pulpit.

How about you? Are you passionate about some causes?