Because now Mariah Carey won’t leave him alone
I love how they’ve arranged themselves in cat, void, cat, void order
It depends how much tossing and turning I’m doing. If I can find a comfortable spot and I’m not moving around too much, he’s the little spoon. And glares at me until I tuck him in.
If I’m moving around a lot trying to get comfortable, he’ll go sleep at my feet.
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:
- You’ve paid $400 this year so far. You pay the full $1000: $400 + $1000 = $1400 which is less than your deductible of $1500
- 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.
- You’ve paid $1700 so far. You pay $500 and insurance pays $500. $1700 + $500 = $2200 which is less than your OOP of $2500
- 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.
- 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.
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
Someone curling their eyelashes while driving 65mph
Found it: it’s the SmartyKat Hot Pursuit electronic motion cat toy. Looks like Amazon and Chewy sell it
I find the school’s claim to be a lazy cop-out. My child’s school is K-12, and I recently had to go through a whole paperwork process to give my 3rd grader permission to check out middle school level books.
Please boop his heart nose for me
I have another example from work. Most if not all of the people I work with have personal boats, ATVs, etc, and so in their free time tow trailers pretty regularly. We also use trailers at work. Some college interns start working with us, and no one bothers to check their trailer knowledge because (you guessed it) it’s common sense. Which resulted in the college interns trying to drive a vehicle into the trailer when it wasn’t hitched up.
What the interns didn’t know is you want the trailer to be hitched to a vehicle so the front of the trailer stays in place when you’re putting weight on the back. Otherwise the trailer becomes a seesaw and the front end jumps up into the air.
My general rule is if you’re about to say something like, “That’s just common sense,” you should stop yourself. Common sense to whom? In my experience people call something “common sense” when it’s something they’re used to doing and they forget not everyone is used to doing it.
Yeah, you’re right. Switching what we do even throughout one evening would go a long way. I pretty much almost never had homework until I got to college, and that was a very rude awakening for me. I had no study skills, and I’m determined to better equip her.
Perfectly captures holidays with cats