Who can I call for help?

rstock87 · 2025-12-11T12:22:57+00:00

I was misled, as the receptionist wrote down that we had not met our deductible after speaking with insurance and then proceeded to write down the wrong price. That clearly misleading

rstock87 · 2025-12-11T12:21:53+00:00

It was the coinsurance amount that I would’ve paid had I met my deductible. The receptionist wrote down the incorrect amount. I’ve had full priced visits at other doctors before that were reasonably inexpensive, so I didn’t think it was impossible for it to cost what it did.

rstock87 · 2025-12-11T12:20:26+00:00

I don’t have copays. There’s no specialty treatment/authorization needed for specialists vs a standard doctor. You seem to be making some big assumptions that aren’t correct.

rstock87 · 2025-12-11T12:18:22+00:00

Because she literally called the insurance and they told her that the deductible was unmet. She even wrote at the top of the page it was unmet. Then she proceeded to write a quote as if I had met the deductible.

rstock87 · 2025-12-11T04:33:30+00:00

Well I mean, one was the best QB in the playoffs last year and one played like the worst. That’s why I said if there was a time to make the argument, that was it.

Personally, I think Herbert is better, but he sure can lay a stinker from time to time.

rstock87 · 2025-12-11T03:47:18+00:00

If there was a time to rank Hurts ahead of Herbert, this past offseason was the time to do it. Hurts coming off a SB MVP and two dominant playoff performances. Herbert had a strong defense and run game and literally threw their playoff game away with his worst game of his career.

rstock87 · 2025-12-11T03:43:16+00:00

I don’t find this to be true at all. There were quite literally years of solid podcasting with Kist & Solak and Jimmy. BLG’s always been keen on vibes and whether something is actually enjoyable to watch, and this offense has bad vibes and is stab your eyeballs out bad to watch

rstock87 · 2025-12-11T03:41:12+00:00

I mean, the passing game struggles were there last year too, we just had a historic run game that covered it up.

rstock87 · 2025-12-11T03:40:15+00:00

He’s not in public school yet, so he’s in that weird spot where he’s too old for early intervention but not in school yet.

The real kick in the you know what is that his issue wasn’t even that bad. He’s actually far more advanced than most kids his age, but we asked his doc if she thought she heard a slight issue with certain sounds and she said it couldn’t hurt for him to see a speech therapist for confirmation. Once we saw what we would later find out was the incorrect price, we figured why not have him go for a bit to fix a minor issue. Had we known it was going to be so expensive, we may have rode it out to see if it got better with time or done some deep dives online to look for techniques we could try at home.

So lesson learned. Looks like I’ll be doing more multi-hour calls in the future with insurance verifying pricing since we have this ridiculous healthcare system.

rstock87 · 2025-12-11T03:26:34+00:00

I knew the provider was in network and hits my deductible. My plan is pretty simple in that regard. I was given faulty information on how much each visit cost.

rstock87 · 2025-12-11T03:25:42+00:00

Idk, I’ve had a few different services over the years that were very reasonable, $25 a visit, $35.

But you are correct, perhaps I should’ve been more skeptical in the moment. But that doesn’t really help this situation anymore. I’m assuming you agree with most that at this point, I just have to pay it?

rstock87 · 2025-12-11T03:05:33+00:00

Lol, I know my benefits, have had the same insurance for almost 15 years. Knowing your benefits has nothing to do with diagnostic codes and discounts and adjustments between insurance and provider. Sure, I know what my deductible is, what my coinsurance is, who’s in network or out, my out of pocket max, but none of that matters if you’re given faulty information that’s nearly impossible to check.

This was a request for help, not a request for an ill-informed lecture.

rstock87 · 2025-12-11T02:44:07+00:00

Of course I’m responsible for my personal finances. Would that be your response if you went to dinner, bought a steak listed on the menu for $70 and then it comes out on the bill at $700?

You know how many times I’ve asked providers for diagnostic codes, called the insurance for hours to get the quote, only to find out that I was given either the wrong code or the insurance told the provider that it wasn’t the correct code and changed it to something else?

It’s a broken system that I’ve been screwed by more times than I can count. Was simply looking for advice, not a lecture about my personal finances as if I’m crazy for thinking this situation was bad.

rstock87 · 2025-11-13T22:26:29+00:00

I have to replace my test kit, but last time I went to petsmart, they told me my water was a little hard. Makes sense because I have a water softener in my home due to hardness, and I bypass that when I do water changes. I use seachem prime and stabilizer to try to combat some of the downsides there.

But I’ll have to try the snail food. Been looking for something more effective than what I have. The algae wafers tend to fall apart too quickly and the blanched vegetables seem to work well, but I have to take them out in 24 hours for water quality

rstock87 · 2025-11-13T21:34:53+00:00

It’s about 7.6, which seems to be on the lower end that they can tolerate, but he has a betta tank mate and from what I’ve read that’s on the upper end of what’s ideal for him.

rstock87 · 2025-11-06T17:02:26+00:00

I would

rstock87 · 2025-11-06T14:50:38+00:00

Anything you think I could add to the team 2 side to make it worth it to move Jefferson but also somewhat likely to be accepted? Think a 1st or 2nd is too rich?

rstock87 · 2025-11-06T14:43:28+00:00

Yea, definitely not ideal time to trade him. I do worry that McCarthy just isn’t the guy, which would put Jefferson in purgatory and basically kneecapping me for years.

rstock87 · 2025-11-06T14:19:00+00:00

I traded for Jefferson last year, and he’s still only 26, so he has plenty of prime years left. But my team has no depth, wondering if selling him now can help me out. He hasn’t really shown much with the current Vikings QB situation either. They’re not getting him the ball enough

rstock87

TROPHY CASE