From a more recent article where Anthem now says they won’t implement this policy:

Connecticut comptroller Sean Scanlon said the “concerning” policy wouldn’t affect the state after conversations with the insurance company. And New York Gov. Kathy Hochul said in an emailed statement Thursday that her office had also successfully intervened.

Along the same vein, if there’s a meal that always brings back good memories, make that. And if you’re comfortable sharing, invite some of your friends to eat it with you.

The same goes for activities - is there a game or something you did a lot back home? Could you teach some friends in NZ how to do it?

Finally, if possible, can you set up a regular time to play games online with friends or family back home?

I love how they’ve arranged themselves in cat, void, cat, void order

Canid and canine generally mean any of the dog-like animals: domestic dogs, wolves, fox, coyotes, dingoes, jackals, wild dogs

Parrot applies to members of the Psittacine family: parrots, macaws, parakeets, cockatiels, cockatoos, parrotlets, lorikeets

Herps and herpetofauna are used to collectively refer to amphibians and reptiles: frogs, salamanders, newts, lizards, turtles, snakes

Bear means all actual bear species but is also often used in reference to pandas and koalas (just don’t say it in front of my scientifically accurate kid)

Waterfowl is ducks, geese, swans

Depending on why or how you’re using categories, you can also group by characteristics: Do they have fur, feathers, or scales Do they lay eggs or give birth Are they predator or prey Do they eat meat, plants, fruit, pollen, or some combination

If you have insurance through your employer, then no the insurance company can’t raise your rates. And part of the reason for the Affordable Care Act (ACA, sometimes called Obamacare) was to make it so people who are getting the insurance themselves also can’t have their rates raised or get turned down for insurance because they have pre-existing conditions. However insurance companies can raise everyone’s rates when the insurance is up for renewal each year.

Most insurance plans have several different costs: 1. The monthly premium you pay to have insurance coverage. Some employers pay this themselves, otherwise it gets taken out of every pay check.

2. Co-pay: Usually a set amount ($30, for example) you pay to see a doctor for office appointments that aren’t an annual check-up*. So say I get an ear infection and see my primary doctor to get it treated, I’d pay the co-pay for that visit. Sometimes things like x-rays, blood work, CTs can be a set amount, other times it’s something like insurance will cover 65% of the cost. For some plans, co-pays are included when figuring out if you’ve reached your deductible.

3. Deductible: The amount you have to pay before “co-insurance” kicks in. Co-insurance being the percent of your bill insurance will pay (for us it’s 75% after we pay $3500 in a calendar year).

4. Out of pocket max: When you’ve spent this amount in a calendar year after that insurance covers 100%. Often plans have both individual and family maximums, with the family amount being higher.

Usually the more you pay in monthly premiums, the lower your deductible and out of pocket maximums will be. So each year people have to try and decide what they think their health bills will be next year when picking their plan (you can’t change plans mid-year unless something happens like changing job, getting married/divorced, having a kid). If you’re pretty healthy you might pick a lower monthly plan with higher out of pocket amounts because you don’t expect to have to pay much out of pocket. If you’re someone with a chronic condition or you’re expecting to need surgery or a costly treatment you might go with the higher monthly plan so you don’t have as high of out of pocket amounts.

For example, my spouse had to go to the ER a few years ago for what turned out to be a collapsed lung. They didn’t have to stay in the hospital overnight. I forget the total bill (or I’ve just blocked it from my memory), but our part ended up being about $5,000. Insurance kicked in after the bill got to $3,500, and they covered 75% of everything that was over $3,500. The most we would’ve paid was $6,000 (the individual out of pocket max), however we would still have to pay bills for myself and our kid up to $12,000 (family out of pocket max).

*Another part of the ACA was to make annual preventative screenings (like annual physical, mammogram for women over a certain age, prostate screening for men, etc) free.

At first I thought Bandit just got done biting big bro’s ear. Cleaning him is much sweeter

Cleo needs a crumpled up piece of paper to swat around

We have a rabbit and a cat. The cat has been with us longer. Whenever I’m petting the rabbit, the cat comes up and wants to be pet too. And only with the hand I’m already petting the rabbit with. If I try to use my free hand, he’ll ignore it and head bump the hand petting the rabbit.

I have a cat, a dog, a rabbit, and chickens. Now I’m wondering what people assume about me because of them.

I think people who have active dog breeds (like shepherds, huskies, and other working dogs) are probably active themselves. Beyond that it’s more telling to me how they treat their pet, regardless of what kind of pet it is.

And you thought you were leaving

Done and done

Enjoying your coffee means sharing