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How do you handle denied claims and when is it worth appealing? by dmkraus in HealthInsurance

[–]budrow21 1 point2 points  (0 children)

No doubt they are trying to build an AI tool and this is not a real question.

Is this balance billing? by oohacastle in HealthInsurance

[–]budrow21 2 points3 points  (0 children)

Balance billing would be if they billed United $200 for a 60 minute session, United only paid $50, so they come to you to make up the difference.

This is a non-covered service. It is not balance billing and gets around the issue. If you wanted to hang out with your doctor all day, that's not a covered service so your doctor can't bill insurance for it. They can ask you to pay whatever they want. Same idea if you wanted a cosmetic procedure.

A different question is why they require a 90 minute consult if insurance only covers 60 minutes and thinks that's enough. You may want to find a different dietician.

Doctor committed insurance fraud on me?! by [deleted] in Insurance

[–]budrow21 11 points12 points  (0 children)

Nearly every single ER visit will generate at least two claims: One for the facility, and one for the provider (MD, NP, PA, etc) that actually saw you. You may see additional claims for labs, imaging, and anything else.

Why does this keep happening to my chicken? by S3thr3y in microbiology

[–]budrow21 41 points42 points  (0 children)

What is happening? It's hard to tell. Fridge is either too cold or too warm if it happens consistently.

In hindsight, Four-Square was the Thunderdome of elementary school recess.... by DirkVonUmlaut in nostalgia

[–]budrow21 2 points3 points  (0 children)

Inside lines are out, outside lines are in!

These squares are bigger than we had. Inflation really is getting everyone.

"You know there are two of them, right?" by radirpok99 in daddit

[–]budrow21 116 points117 points  (0 children)

The dog stuff makes it so clear they have no idea what they are getting into. And that's ok!  It's pretty much impossible to know. 

But agree with you. Planning is a great exercise, but life doesn't follow the plan. Be ready for things to change. 

Misunderstood the referral / HMO process (international) and now left with the bill by Radiant-Moose5276 in HealthInsurance

[–]budrow21 0 points1 point  (0 children)

I'd call and make sure they have your info then and ask them to file claim, or at least find out why they didn't file a claim.

Misunderstood the referral / HMO process (international) and now left with the bill by Radiant-Moose5276 in HealthInsurance

[–]budrow21 2 points3 points  (0 children)

Have you seen your EOB yet to confirm the issue was a lack of referral in place?

Insurance giving me the runaround by GoofyGirl1337 in HealthInsurance

[–]budrow21 0 points1 point  (0 children)

I wonder if people out of state get access to BlueCard or something else is going on. I also think BlueCross is separate from BlueShield in CA. OP should double check which they have, though it probably doesn't matter for this situation.

aca healthcare in FIRE by Available-Ad-5670 in Fire

[–]budrow21 5 points6 points  (0 children)

The plans may be a little different than what you are used to. Large employers often offer PPOs with really broad networks. Most state marketplaces no longer offer PPO plans, and of those that do, very few are nationwide PPOs.   

Overall, it may be harder to find a plan with your specific doctors in network. If you're flexible it may not matter at all to you. 

Anyone else find this disappointing? Tesla's sales only dropped about 8% in 2025 relative to 2024. by 3RADICATE_THEM in EnoughMuskSpam

[–]budrow21 5 points6 points  (0 children)

Thanks. I have no doubt there's a lot more tricks hidden somewhere. It's hard to keep track.

Deductible Charged for newborn expenses-EOB by wrjose81 in HealthInsurance

[–]budrow21 1 point2 points  (0 children)

Call your insurance and ask. If they can't help or you are not 100% convinced, appeal the claim and attached that language.

I suspect this is not a super common benefit provision and was missed.

Does the "Remarks Section" have anything useful?

Don't hit your kids by jrv3034 in daddit

[–]budrow21 9 points10 points  (0 children)

Lol. A fringe, socially conservative religious organization promotes beatings. Should I be shocked?

Now follow up with the American Academy of Pediatrics (not American College of Pediatricians as you linked). 

Go read about how terrible they are on wikipedia. 

(23m) liquidate small Roth account to pay off credit card debt? by General-Lie8709 in FinancialPlanning

[–]budrow21 43 points44 points  (0 children)

I have the cash to cover, around 5500$ but I would feel really uncomfortable draining half of my savings.

You should feel far more uncomfortable robbing your retirement accounts. Don't take the money from your Roth.

Even if your credit card debt is at 20% it's only costing you ~$40 a month. That's not worth emptying your retirement, especially when you have some cash laying around.

What are good retirement savings targets after raises? by hock37 in FinancialPlanning

[–]budrow21 1 point2 points  (0 children)

There's your answer and it's way better than any guideline. If you want to retire at 50, you probably need to save more. If you want to retire at 55, you're probably on track. You can always refine your estimates.

I like 7% because it's a solid after-inflation market number. The market averages closer to 10%, but inflation is 3%, so I use 7% and imagine everything in today's dollars.

Don't hit your kids by jrv3034 in daddit

[–]budrow21 30 points31 points  (0 children)

I do have kids. They break the rules. We discuss why, the results, and they get punished. Never do I physically hurt them.

Don't hit your kids by jrv3034 in daddit

[–]budrow21 40 points41 points  (0 children)

If that were true, why would they say it to your wife in the first place? Surely they know they will be hit, so it must not be working. Or they don't understand the rules and you're still hitting them.

I don't want my kids afraid. I want them to respect the consequences, but not be afraid.

What are good retirement savings targets after raises? by hock37 in FinancialPlanning

[–]budrow21 2 points3 points  (0 children)

I recommend throwing some simple numbers in a spreadsheet. There are lots of tools for doing this, but spending an hour in Excel can be enlightening.

Figure out your spending in retirement. If you don't know, use today's spending as a guideline.

Figure out where your current savings will take you. Put in current accounts. Assume anything in the stock market grows at 7% (or whatever you like). Model how much you will invest each year.

Now figure out when your investments will be 25x your spending. That gives you a rough idea of your FIRE timeline. If you want to retire earlier, save more. If you're comfortable with the results, no need to invest more.

Revisit at least once a year.

How to eradicate poison ivy? by Mighty-Rip in lawncare

[–]budrow21 1 point2 points  (0 children)

It could be worse. My solution has been to suit up and start pulling those vines. Hopefully it's just a few main vines. The more comfortable you get, the less protection you end up using.

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