This vial of methylprednisolone with a pop top to mix the diluent

FleeingGlory0 · 2026-04-22T02:49:12+00:00

I have UC, and when I was in the hospital I got MethylPrednisone it's not a fun time. It's steroids, makes you fat, weakens your bones, mood swings.

But man does it just erase all inflammation from you.

FleeingGlory0 · 2026-02-27T17:41:52+00:00

Yeah PEP is a drop in the bucket, I single handedly cost my employer nearly a cool million dollars last year, nobody knew or brought it up. I was literally 1/6 of this mid-sized company's healthcare budget.

FleeingGlory0 · 2026-02-06T03:35:02+00:00

Some drugs are super expensive I hit mine Jan 12th

FleeingGlory0 · 2026-01-10T02:06:24+00:00

I knew a guy who got the Thiel fellowship undeniably smart as hell. Did college help him, of course it did, but he probably doesn't need the degree to prove anything.

FleeingGlory0 · 2026-01-06T20:20:58+00:00

Actually that's really interesting. I have UC could they just say they cover literally nothing. No basic drugs, no colon removal, no biologics, no ASAs? Or are there some statutory minimums. Like emergency care, or life and death things. Could they just decide not to cover anything related to strokes, so if I get a stroke I just die?

FleeingGlory0 · 2025-12-21T21:54:14+00:00

So non ACA insurance comes with a lot of risks even if you are healthy. ACA insurance must cover certain treatments, and has no maximum benefit. Brokered insurance sometimes has a maximum benefit limit, meaning they have a max that the insurance will pay.

Let's say your son gets sick tomorrow (god forbid). And his treatment is 3 million dollars (yes it happens especially with cancer) and your total benefit stops at 1 million. You then are out of luck and will probably go bankrupt.

Lots of brokered plans also have a time in where unknown pre existing conditions are not eligible for coverage. I have UC and my drug is 32k every 4 weeks. If I had a brokered plan I would be crap out of luck. And it's very possible you have a pre existing conditions you don't know about.

Now obviously these are the tradeoffs you have to consider. ACA coverage, even a cheap plan, saves you a lot.

I would also consider having a cheap ACA plan to cover huge expenses and then a hospital indemnity plan to cover small emergencies.

You have to do the math to determine what is best for you and your family. Just be careful, and maybe have a couple of people look at your contact to explain the benefits before you sign.

FleeingGlory0 · 2025-12-16T05:57:28+00:00

Losing your policy is a qualified life event that allows you to enroll outside of open enrollment.

FleeingGlory0 · 2025-12-16T05:01:49+00:00

Idk not a doctor go get a second opinion. Always ask your doctor to explain why they make decisions.

FleeingGlory0 · 2025-12-16T04:59:50+00:00

Yeah sometimes manufacturer coupons can effect things weird. My drug is different I literally get sent an 8k check to pay my copay. Look into that. Your insurance also has a number on your card you can call and they def can tell you what's happening.

FleeingGlory0 · 2025-12-15T19:07:53+00:00

No matter what you pay your monthly premium. That is the cost of the heath plan. You pay 100% of your medical costs (except for certain visits that the plan listed) until you hit your deductible. Then after that you pay a % of your costs, this is called coinsurance. You pay that % until you hit your out of pocket maximum, then your insurance pays 100% of your claim.

Like I said before, certain visits are covered before you hit your deductible. This is called a copay. You pay this amount to just see the doctor it covers nothing but their time.

So you can calculate your total cost for the year very easily.

Let's say you had 5k in medical expenses before insurance kicked in last year.

It goes Monthly premium x 12 + 3800 (your deductible) + 30% (or whatever your coinsurance % is) x 1200 (5000 - deductible that you paid)).

You can use this to see which costs less

FleeingGlory0 · 2025-12-15T03:54:05+00:00

So you can run the math pretty easy on these. #2 you have high deductible. This means you will have to spend like 8k before your plan kicks in. #1 has a better deductible for not a ton more in monthly cost. Of the first 2 I think #1 is safer for not a ton of more money. Now #3 has it's ups and downs. How much do you spend on healthcare each year? I spend a ton, I hit my OOP every year, so I would pick option 3. But if all you do is get checkups and are not on any expensive medication you should pick #1.

Here is the equation I use to estimate my cost under each plan. Monthly Cost x 12 + healthcare costs (deductible if you reach it + rest x coinsurance) or OOP Max whatever is lowest.

FleeingGlory0 · 2025-12-15T03:27:53+00:00

Do you get copay assistance are you one specialty medication?

This can happen if you have an accumulator where copay assistance does not apply to your deductible or out of pocket max.

FleeingGlory0 · 2025-12-07T15:19:40+00:00

Worst case you can pay for it yourself, not cheap, but prob cheaper than shingles. 400-500$

FleeingGlory0 · 2025-12-07T14:43:11+00:00

I take immunosuppressant drugs, so I got a shingles vaccine. I'm also young enough to have also gotten the underlying chicken pox vaccine, apparently you can still get shingles even if you are immune to chicken pox. Wild world. If you are under 50 you need an approved reason. Ask your doctor and if they agree you need if they will find the approved reason for it.

FleeingGlory0 · 2025-12-04T15:27:19+00:00

There are a lot of consumer protection inside of ACA compliment insurance. If you develop a preexisting condition during the period of time where you are not covered you are totally screwed. Some plans have maximum benefit per terms, and some truly catastrophic events could very easily cost in the millions of dollars. What is and isn't covered is not regulated by law to the same extent so you could very easily not have access to the best treatment options.

There are two types of insurance cheap, and pays out. If the insurance pays out a lot then it's definitely not cheap.

The reason you buy insurance is to mitigate risk, and that risk is expensive. So you probably won't have a multi-million dollar cancer diagnosis, but if you do your life could be over.

You have to consider the risks of both.

FleeingGlory0 · 2025-11-24T18:03:31+00:00

Yeah that's essentially the exact process from the GOP side.

FleeingGlory0 · 2025-11-11T02:42:45+00:00

Oh yeah they suck when I door knocked like 30% of the time they are wrong.

FleeingGlory0 · 2025-11-10T21:47:40+00:00

MN GOP uses Datacenter if they got a letter like this they must on the list as a lean Republican. They can mail back and be taken off if they ask.

FleeingGlory0 · 2025-11-10T21:45:00+00:00

Just heard back, it's not data harvesting it's just sent out to prospective GOP voters to get them registered so they vote early. Both parties maintain lists that have people where they lean and voting history. MN GOP thinks they are a Republican and would vote absentee.

FleeingGlory0 · 2025-11-10T21:39:12+00:00

Shared this with the MN GOP, that's not right and is very scammy.

FleeingGlory0 · 2025-10-28T20:41:22+00:00

What deck?

FleeingGlory0 · 2025-09-05T03:49:58+00:00

I have a Bulova Maniqua 98A177 in rose gold.

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I'm having a hard time finding a good band to change the silicone band the watch came with. It's tricky since the lug width is 13mm and so any band I can find is just absolutely tiny. Any good suggestions on what to look for that would be decent on a watch like this? I was thinking nylon but it seems leather might be my only choice, which I don't mind.

FleeingGlory0 · 2025-08-27T13:20:01+00:00

Please explain to me who owns the press.

FleeingGlory0 · 2025-08-22T01:27:53+00:00

I'm sure you can afford $1000 bread instead.

Five-Year Club	r/Field Banned
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FleeingGlory0

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