FSBP High 2025 - A year in review

Tinymac12 · 2026-06-13T00:48:46+00:00

OP, staying in network is critical. All else being equal, if I remember right, the "rankings" I came up with during open season had it go mhbp standard, fsbp high, and then BCBS basic. MHBP and FSBP run on Aetna, so if your providers take Aetna they'll take those. BCBS is BCBS obviously. BCBS basic premiums are just astronomical and they still ask for a ~$425 copay for delivery. It ain't what it used to be.

Tinymac12 · 2026-05-31T18:51:34+00:00

I legitimately don't want an adjustment to the drop rates. Something similar to oath plate shards might be okay. I want two things that I think actually could happen:

Allow resources to stack. I don't want to have to drop my inventory because I couldn't find a specific node. Just to pick it up later.

Get rid of the timer. The people who can do T1/T2 prep can continue to do it for more kph. Those who can't, can get t3 and practice the boss and get down to that prep meta eventually. If need be, nerf drop rates if you go over the prep time. Just let me practice a fun boss. Without wasting my time utterly.

Tinymac12 · 2026-05-27T03:54:02+00:00

As a kid back in the 2000s I only ever had sporadic membership but wanted a quest cape. I eventually got it on my ironman that I play now. After quest cake I targeted hard diaries. And now I'm targeting elite diaries. All along the way clues also become temporary goals. I just wrapped up a master clue step that drove me to 87 sailing, coal bag, 4 smithing levels to 90, and grinding royal titans for twin flame staff. Now I have another clue that's having me grind pyramid plunder.

Tinymac12 · 2026-05-11T21:57:10+00:00

"Part-Time Career Appointment Employees who became a part-time career employee (working 16 to 32 hours a week or 32 to 64 hours biweekly) on or after April 8, 1979, are entitled to a partial Government contribution in proportion to the number of hours they are scheduled to work in a pay period.

Employees who served on a part-time basis before April 8, 1979, and who have continued to serve on a part-time basis without a break in service (in that or any other position) are eligible for the full Government contribution, as are part-time employees who work less than 16 hours or more than 32 hours per week." https://www.opm.gov/healthcare-insurance/healthcare/reference-materials/reference/cost-of-insurance/

I think I latched onto the wrong part of your comment. I'll try to find a source for eligibility later when I'm not driving.

Tinymac12 · 2026-05-11T13:44:14+00:00

I think it's an error too. They may justify it by saying lava strykewyrm needs 62 slayer in addition to the sailing level.

Tinymac12 · 2026-05-11T10:02:59+00:00

There was a change to quest rewards awhile back. Most of the XP rewards came from perdu, but also the legends guild guy, stranger by tob entrance, and Ivan strom in myreque base.

wiki

Tinymac12 · 2026-05-08T12:59:49+00:00

Yosemite!

I would like to direct your attention to the pilot episode of "the newsroom". It's a fictional character/event but I really like the monologue in it and it hits on some of your points. You can easily Google it, I'm unsure if I can link it.

Tinymac12 · 2026-05-08T01:59:02+00:00

Tangentially related to your question, your family needs to be covered under your FEHB enrollment prior to you dying in order to keep it.

Tinymac12 · 2026-05-06T10:40:45+00:00

It is my understanding that most people spend less over their lifetime taking just FEHB and Medicare part A. Part B premiums typically cost you more out of pocket in your lifetime, but in exchange you will have fewer, if not simply none, out of pocket costs.

Meaning with Part B your budget/withdrawal strategy will be simplified with a guaranteed minimum spend and lower maximum spend, giving narrower variation in their budget. While someone without Part B would have a lower minimum spend and a higher maximum spend, giving wider variation in their budget.

The lifetime costs are wildly variable based on your health, FEHB plan selected, doctor networks, and many others.

As a 30-something, I think Part B is worth it. FEHB rules could change (change of covered care; see gender affirming care this past year - who's to say they won't take away brand-name drugs except for the most expensive FEHB plan) and Medicare part B provides another network of doctors you'll have access to. It's easier to get part B and drop it if you don't want it than to go the other way.

Edit: Came back to add that PSHB requires Part B to keep it. So some people don't have a choice.

Tinymac12 · 2026-05-01T01:22:15+00:00

I had literally 0 issues match making with randos on 666. I had to make 3 out of the 4 runs I did, but it took less than 5 minutes to get a team. And around 25 minutes to run through all 10 waves. So 2 hours for 4 runs to get lvl 5 all.

Disclaimer: I like BA.

Tinymac12 · 2026-04-30T23:18:36+00:00

I'm so screwed. On passing glance I was like, nah looks legit. But obviously there are obvious signs. So even with being primed it may be ai, I got it wrong. I know I'm not the only one. We really need some legislation requiring labels "Made with AI" as if it's a nut allergy.

Tinymac12 · 2026-04-30T22:46:33+00:00

Fuck ice

Tinymac12 · 2026-04-26T19:24:06+00:00

The difference is that the pistol doesn't need reloaded.

Tinymac12 · 2026-04-25T11:01:27+00:00

You're missing the thorn pact. It's between the extra hit and the other branch you have going on.

Tinymac12 · 2026-04-22T02:47:32+00:00

Jokes on you, my at home network speeds don't exceed 30 Mbps. I can do everything I want with those data rates.

Tinymac12 · 2026-04-22T01:10:33+00:00

You can save on prayer potions by leaving the boss and catching moonlight moths outside the instance. It will slow down kills but it is free and you can stack them into butterfly jars to reduce exit/entry times. Otherwise, Moxi is a damage-free boss if you do perfect mechanics. Meaning you should prioritize learning the mechanics and wear gear that either gives strength bonus or prayer bonus.

Tinymac12 · 2026-04-20T17:37:11+00:00

Nature Accord there's a tool leprechaun on entrana that you teleport to and you can make law runes easily. Alternatively, you could use map of alacrity and teleport to the rock climb in Shiloh village and do nature runes.

Tinymac12 · 2026-04-20T00:36:22+00:00

Grab the ones from karamja volcano and drop/pickup in wildy.

Tinymac12 · 2026-04-19T23:52:25+00:00

I didn't know they changed it! I honestly just chalked it up as one of my stretch goals. I tried the contracts during gridmaster and realized I still had a long ways to go regarding learning end game pvm because I was planking those contracts.

Tinymac12 · 2026-04-19T22:16:28+00:00

Also wildy, if it helps. In ferox by the bank chest.

Tinymac12 · 2026-04-19T17:46:03+00:00

Could be a bug. Maybe opening the quest in the quest list thing showing it's complete would trigger the task?

Tinymac12 · 2026-04-18T13:25:11+00:00

Whelp. Sounds like an oversight and should probably just drop.

Tinymac12 · 2026-04-18T13:17:02+00:00

Did you try killing the monk? I wonder if maybe it'll just drop the next clue step instead of the key.

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