so I keep learning about The Horrors™️ of American healthcare and I keep hearing Americans talk abt this shit like it’s totally fine and let me tell y’all. It’s not. Apparently and ADHD or Autism test costs like 500$ for you guys? And then when you do get diagnosed you gotta think abt shit like “okay but do I actually need meds?” Bc apparently that’s a financial decision? But it,,, it shouldn’t be right? Right okay bc

I live in Europe, specifically Austria, and this is how healthcare works here: if you have a job you have healthcare. Your employer pays for it. They have to. It’s absolutely illegal and unheard of not to. They do take about 20% out of your pay-check every month to pay for that and other legal things that I don’t quite understand (my dad explained it to me once but I’m 20 so I still don’t get it bc I don’t really have to but every cent they take out benefits me I think so it’s fine).

Now irl this is a lot more complicated but basically, you have public healthcare and private healthcare and then just stuff that’s up to the government (like ambulance rides, I think. Even if you don’t have insurance u don’t pay for that. I know this bc an American friend of mine didn’t and had to go to the hospital and called a cab and when they told me I was like “??? BRO WHY NO AMBULANCE” this is also how I found out that Americans have to pay for ambulance rides. wtf.)

Basically your insurance covers all medical expenses from doctors who are in your network (public practice). This is your GP, hospitals, and pretty much all specialised docs (dentist, internists, cardiologists, etc.). However, the public offices are much busier than the private ones (obvi) so if you’re in a rush, want special treatment, or just be a little fancy you can CHOOSE to pay for private doctors. And even then you can hand in those bills to your insurance and you get part of the money back (abt 30% which you receive abt 4 months after handing the bill in).

If you keep your bills for private care doctors you can hand them in to,,, someone somewhere somehow (idk man) and get a bigger tax return. (bc we don’t calculate our taxes ourselves. it just gets taken out of your pay-check by your employer every month and then at the end of the,,, fiscal year??? I guess?? Idk man idk how shit works — you get any money that was like,,, extra (????) back)

Now you might ask yourself: “phi, why would I pay for doc if I can go to free doc?” Which is an excellent question. Again, for most people it’s about waiting times but there is one field where it just really makes more sense: mental health services. Private practitioners have less clients and more high quality care than public ones because they choose their own funding, which, surprise surprise, is better than public funding.

I will now take you through my own personal journey so you can have a practical example of how good healthcare CAN AND SHOULD BE (keep in mind here I have parents who after messing me up and being terrible but learning their lessen once I became an adult and told them how horrible they were are very supportive of me pursing my mental health)

When I was about to turn 20 I went to my GP and had a conversation with her about how I think I might have ADHD. She asked me about my complaints and agreed there definitely are symptoms indicating it. She wrote me a referral to a Psychiatrist. When I got to my Psychiatrist she tested me and because of the referral she could tell the insurance company that this test was necessary and not elective, meaning insurance payed for it in full and I never even saw that bill.

Now I had a diagnosis all but a week later. I spoke to my parents who agreed to support me in finding private care. My Psychiatrist charges 160€ (insurance returns 48€) per appointment which my mum graciously pays for. I see him once every couple of months to check in on my use of medication and how I’m responding and to see if my dosis needs adjustment. If and when I need a refill, I only have to write him an email. Before he could put me on medication I needed a blood draw and cardiac test, to ensure that I qualified for a stimulant, since they can be harmful in some cases. He wrote me referrals and I went to my GP and a public cardiologist for those tests, which were all free of ANY charge.

I was then cleared to take my meds within a few weeks (cardiologist had a bit of a waiting list). I was prescribed Ritalin and some sleeping pills by my psychiatrist. He gives me the prescriptions and a letter to the insurance company asking them to cover the cost, as I have a diagnosis which he confirmed again in his initial assessment of me. Now that I’ve gotten approved, all I pay for is the prescription, not the actual medication. Which is about 6-7€ for the Ritalin and 4-5€ for the sleeping pills (monthly supply each).

My Therapist is also a private doctor. She charges 120€ per session and I go twice a month, which is 240€ per month. My dad contributes 100€ and my mum contributes 30€, which means I’m down to 110€ per month. Insurance pays 30€ per session (so 60€ per month) so I pay a grand total of 50€ or 25€ per session.

So my medical treatment each month costs me just about 62€ AT MOST (since I don’t always need my sleeping pills refilled).

Now, just for fun, let’s assume my parents don’t support me and I see both my therapist and my psychiatrist in the same month and need both my meds refilled. This would come to just about 304€ (because of insurance deductions).

But you have to consider that I DON’T see my psychiatrist every month, so the more realistic monthly cost would be 187€. And should I decide I can’t pay for that I can still get on a waiting list for public mental health practitioners, in which case the only thing I’d ever need to pay for are the prescription costs for my medication which would still be up to 7€ for the Ritalin and up to 5€ for the sleeping pills putting the grand total at 12€ PER MONTH.

My family and I simply chose the quicker, more efficient option, but no one twisted our arm into paying this amount of money FOR BASIC CARE.

And yes, it’s a lot of bureaucracy (it took me WAY too long to spell that) and paperwork, but I’d much rather that than have to decide between mental well-being or being broke.

So, my conclusion: Cancel America, move to Europe, OR just tell the American People In Charge Men that it is that easy and they really should try a little harder and you citizens shouldn’t settle for the shit you have to put up with right now because wtf

if you wanna cry a little it’s okay lemme know I’ll come sit with you and offer a hug but you can say no if that’s not your thing

anyways love ya

phi

10 hours of therapy

This time of the year does bring back some strange vague memories. It takes me back to fall of 2013. That was 10 years ago?!

I don't remember much from that whole year. But that is nothing new. I do remember that I ended up in therapy. It was 10 hours and they were paid by the insurance and there was no need for a diagnosis on their behalf. It was easy to get a spot there because they are a team of psychologists and stuff and they are specialized in taking in clients who struggle with addiction.

I can barley tell you how everything went because I barley remember. I guess I always went there hungover. I do remember going there very drunk once but no one stopped me. It was an extra appointment with their psychiatrist. She discussed with me what meds I should take and prescribed me some. I don't do well with any type of chemical “stuff” in general (an OD thing when I was 16). I threw the prescription away.

I also don't remember talking much in there because stuff like that triggers me so I dissociate. My memory loss when it comes to these sessions could be a combination of being hungover and also dissociated? Why did no ever ask me about dissociation?! I was to unaware of it at that time to bring it up myself.

What else do I remember....having to fill out stupid questionnaires. The ones where you can already see what they are aiming at with the question.

As you can see I really enjoyed all of this.

Idk what else to say. I'm hesitant on calling it useless because knowing what you don't need and what does not help is also something vital to learn. It was good for something.

Yeah idk.

That's it for now.

I had more therapy but I paid cash for it. That opens a up a different world. But I will write about that some other time.

everyone be proud of me, i got my ass out of bed BEFORE 3 pm so i could deal with my health insurance problem, because there's no motivation quite like "if i don't fix this i can't afford my medication, if i can't afford medication that means PERMANENT ZOMBIE MODE"

like. i'm out of all of my pain meds except the one i never take (and am now taking to be merciful to my body) and i just ran out of my vyvanse, aka the only thing to get me out of bed every day.

the health insurance problem itself is incredibly stupid. i know for a fact that i have an account for my state's medicaid website. i have a case number, a client ID, a medicaid ID, and also this is the website i used to get medicaid in the first place

what do you MEAN you can't find my account?? what do you MEAN

Your talk about your eyes and not being covered kind of made me want to talk about something

I have Colorado medicaid. You know what we have covered? Dental (cause they realized it was cheaper to give dental than pay for complications) and eye exams (no glasses, but better than nothing)

People act like, and I wish I was joking, the idea with socialized medicine is to hold doctors at gunpoint (I figured we could just... pay them, but you do you rightwingers)

It's actually just really good insurance. I get into places as fast or faster than when I had actual insurance in the past (despite all the places that don't take medicaid, which might change if everyone had it). I've gotten way more care since I don't have copays. I pretty much never have had anything denied... it's like normal shitty insurance, but a bit better

Also here's a great bonus story, my mom's on disability. Had medicaid before she was able to get on disability even. Well she gets old enough to qualify for medicare. She's forced to pay like $125 a month for the privilege of worse insurance

By that I mean medicaid covered her thyroid medication. She gets medicare, they don't want to cover that med despite it being an old one and one she doesn't have a bad reaction to. Well medicaid won't cover it now cause she has other insurance. She literally pays a fee to be forced to pay out of pocket for a med that was previously covered (and as far as I know basically can't drop it now that she has it without messing things up with medicaid)

So... yeah. Just... just every time I mention like going to the dentist and having people say lucky, and me realizing oh shit I am lucky, and my luck being that I was broke enough to qualify... what the fuck?

Really really wish everyone just had at least as good as Colorado medicaid, even fucking bezos so we're not worrying about enforcement nonsense

Really wish we had universal healthcare cause... basically I just have kickass insurance, and it sucks hearing that you, someone working, are less well covered than I am

(And private insurance could still exist, it just might be forced to... you know... actually provide a benefit at a reasonable price to give people a reason to not just go with their medicaid)

Honestly the way we handle health care in this country is a goddamn nightmare, and we literally already know and have known for years that it kills people.

I will say that often even good medicaids are uhhhhhhhh not so good on the provider side. They "cover" a lot of claims that don't actually get paid, ya know? I work in healthcare, and have generally been a big fan of the medicaid in my catchment area because it actually seems to be pretty comperable to how you describe CO's. That said, as a provider, I would say a solid half of any "non-urgent" claims get denied, and at least one of the medicaid providers has denied every single claim the practice has submitted to them even though they keep telling us we're in network with them and following their instructions.

So. I do sort of get why it can seem (depending on which side of the insurance you're on) like holding providers at gunpoint. On the patient end you've got people receiving reasonably quality/comprehensive care with no fee at the point of service, which is phenomenal! On the provider side though, it often looks like losing literally thousands of dollars a month on denied claims for necessary services with little to no recourse.

We do it anyway of course, because the practice I work for is strongly oriented towards "serve the clients best needs even if it causes operating at a loss" but admittedly not every practice can survive under a premise like that for long. I think one of my biggest frustrations is that they always reject crisis care billable hours, even though they claim to cover them, and even when I am literally talking someone through a total breakdown in functionality. It's very frustrating to know that one of the most basic elements of mental health care (emergency support in crisis) will never be paid for (keep in mind that often when insurancr denies a claim, a practice won't pay a provider for that time) which neither the practice nor I can really afford.

Basically, we desperately need universal quality healthcare coverage, as well as (frankly) incentives for providers to actually register with the providers of this insurance rather than providing OOP care only. And that universal coverage needs to understand that "protecting patients from overcharging" is not mutually exclusive from "paying claims for emergency/out of norm care".

Hello from COVID isolation

Where there's nothing to do but post... except work I suppose.

So here's what happened: On Wednesday I was about to head out to see friends. I had a little tickle in my throat, nothing I would even take meds for, but I took a rapid test just in case... wherupon I got the very faint positive I already posted.

For safety's sake, I did not go see friends and I ran the apartment isolation plan we used when my spouse got it. I immediately took a second test of a different brand, and that was negative. I have not tested positive since then. Thursday I felt more tired than usual, but that could have been from canceling all the things, notifying everyone who was a close contact and stressing about these outcomes (also adjusting to sleeping on an air mattress, which is fine... but not my bed). Today I feel quite good actually.

As far as I can figure there are one of two equally unlikely options:

a) the test was borked

b) I had COVID, fought it off enough that I didn't notice, and only caught it at the tail end. (I don't regularly take tests so I hadn't taken one in weeks... probably just before we babysat my sweet nephew.)

I guess b) is a little more likely because last week I was at a client conference where I know people tested positive after (plus it was in a hotel so a lot of in and out traffic), although I don't know if I was their close contact. I was masked 95% of the time when I was inside, the remainder being drinking water and iced coffee indoors but away from everybody. Most people were not masked, of course. On the other hand, cooking a baby and whatnot, I am very aware of my symptoms and how I'm feeling—probably more than ever before. It's hard for me to believe that it would be so mild that it wouldn't even occur to me to test.

Post-test I felt really sad and guilty that I had failed to protect my sweet decembaby by maybe/likely getting COVID. But as my sisters remind me, I did as much as I could—it's society and the prevailing YOLO COVID attitude that failed me. Yes, it would have been safer to not drink anything or at least go outside and try to find something—but dehydration and exhaustion are real! (And I don't even know if it was the conference—the next most likely vector is public transit, which I really can't avoid because I have to go to work, I can't walk there and I don't have a car.) I played the hand I was dealt. I am glad my OB got back to me right away and gave me sound guidance on how to deal.

I'm going to isolate through Monday (5 days) and get a PCR test that will hopefully fully clear me. Props to my insurance's 24-hour nurse line for talking me through this and also complimenting me on my COVID preparedness (sad laugh). Cruel irony, I was supposed to get my updated booster on Saturday and now I either have to put it off for a few weeks or a few months if I actually did have it (which I hope an antibody test will establish, but I can't get that within 2 weeks of positivity). (Update: An antibody test, at least the common consumer type, cannot distinguish between vaccine antibodies and infection antibodies. Sorry about the misinfo.) So close, yet so far!

I feel scared. My gut is churning because I don't feel stable or safe. My world is upside down. I drove through the streets wailing, crying, yelling my distress in my car, through tears. Through endless cold concrete roads. Desperate for connection. Unsure of where I was going, just that I needed to get out. Had to figure out a destination in my gps and just go there and sit in the car. Then figure out some game plan. Who do I call. Who makes me feel safe. Who can I rely on. Who won't try to manipulate my decisions and emotions based on what's happened. I'm glad I called my friend, she's always reliable, responsible, caring. She let me stay over. I just felt homeless or like a domestic abuse victim. And part of me was legitimately thinking.. am I a victim? Or did I choose this? Am I the problem? Am I the financial leech? If I do all the house chores, work part time, pay what I can in rent, look after the pet, the only one who drives (and generally is a taxi when needed), pays for petrol/car insurance/rego, always collects groceries (pays for whenever I go alone), the only one that cooks, i have the mental load of admin of when bills are due or birthdays or events or even reminding partner to take meds or not spend as much money, I have mental inventory of everything in the house and when its low so I can prepare before it runs out, I don't pay for takeout, I pay for vet bills/medicine, I can barely afford my own necessities so I'm always in poverty mode. I study as well and I'm sporadically all over the place with the amount of mental/emotional work in my head for each client's support needs, and driving to each physical context can be frazzling. My neurodivergence means I get burned out quicker. My trauma means it's taken me longer to learn life skills. My lack of family social supports means I'm pretty isolated. Theres no safe place to go immediately thats family, my mum is interstate. Everyone else is overseas. My mum basically inserted herself into men's lives/houses and stayed in dysfunctional relationships for survival. I met my current partner while essentially homeless and just did the same thing. And I'm just wondering was it dysfunctional from the start. I was seeking someone who could be relied upon in every way, just as I try to reciprocate this back in every single way. I don't want both of our traumas to be triggered in every single conflict. And for it to spiral out of control. I don't want to feel resentment but I do. I don't want to be doing so much of the mental load, house admin, life admin, and I don't want to feel like I'm asking for much when I expect this just to be a basic pillar of support. It's this vicious cycle of both of us being stubborn. I'm told I still need to be communicating my needs, even when it comes to basic house upkeep. I am the only one that wants to decorate the house and make it feel livable. I also have to tidy and unbox my partners boxes full of sentimental and tech gadgets and excess that is hard for him to rid of. I don't think it's fair it should fall on me. I don't think it's fair I have to do more of this type of mental labour. I don't think it's fair to turn around and manipulate me with words like "I got adhd meds for you, otherwise I wouldn't care" or "I didn't want to rent but I did it cuz you wanted to" or "you think I'm a burden and you just don't want me in the house" or "whens the last time you showed me affection" and trying to make data out of human complex memories which are obviously hazy and tainted by emotional bias. I shouldn't have to coddle someone's extreme self-deprecating thoughts. It's so confusing. So it makes me feel like I'm the villain. Am I being manipulated?

It's just a bit absurd that I don't really have a choice. And the only thing I keep thinking now is get full time job and just find a different living situation. Live with ladies who just reciprocate in harmony and don't have to be micromanaged.

So I screamed and screamed through tears. So much pain and trauma and distress was released. So much panic. I have no idea what I'm supposed to do. I don't understand what comes next. I have anxiety because my abandonment trigger is being hit. I feel like I'm codependent with my partner. I feel like it's no healthy. I don't know what we should do.

Get a new PCP. Look for other primary care providers who are in-network with your Medicaid plan and see if they’re taking new clients, schedule an appointment, call your insurance plan, and request a change to the PCP they have on file to your new provider.

I appreciate the sentiment but medicaid is a broken site, the reps give me doctors by name who take medicaid only for it to turn out to be for kids only, and I've been doing this dance since I got dumped into medicaid the first of the year. I only found the pcp I have, an MD because they have to be to prescribe my adhd meds, through my mom. The number of MDs that take medicaid is pretty close to zero and the ones that do are underfunded and deeply suspicious of anyone needing a schedule 2 drug.

It's not this simple. It's very likely I will have to give up access to my adhd meds to get trans care. And not only have I done this myself, I've worked the insurance and billing side. I know the tricks, I know what to ask, medicaid in this state is just a broken system and anyone in it who is genuinely trying to help (the reps are always nice) is stopped by the system itself.

So M2...

He's great. Really great. He's a good guy. He went through some struggles and changed his life around and became a therapist and turns out he doesn't take insurance -- originally I told him he was an ass expecting people to pay out of pocket. Nope, he has a sliding scale as low as $25 an hour. And his clients can text or call if ever they need on his private cell.

He adores his daughters. He so good with animals he has the two best cats I've ever seen. He plans fun nights out and cooks delicious dinners in. He has good media taste. The sex is good. He is gainfully employed, he has a car, his apartment is so shocklying beautiful (the apartment, he has no furnishings lol... my eyeballs itch to fill the space all the time because it's just got such great architecture and I'm a sucker for architecture.)

He's open and honest... I think. I mean, I always worried he's just being polite, like me coming over was because we can't come to my place and me sleeping over was just to be polite. Especially the second time because at like midnight or one he said how he could have called me an Uber any time if I didn't want to stay.

He says in like 3.5 years I'm only the third woman he's let into his apartment and the first he's slept next to in years. He said he just felt comfortable with me -- my head doesn't even hurt his shoulder like usual.

He made an off hand comment how Boy Thing would probably love his girls -- I had said how he wanted to steal the cats and no, I do not think either of us were thinking of them meeting, just the fact that it's even occurring to him struck me. (No one meets the girls, which is kinda my policy too since... well, you all know when.)

He asked me after I slept over the second night why I hadn't brought my meds and I said it seemed presumptive to bring overnight stuff (especially because he had an importabt day the next day), and he said if we were near his place he was assuming I was staying over, unless he specifically said so. So to see if he just meant toss my meds in my purse or full overnight bag, I mentioned buying a travel set for shampoo and stuff, and he seemed approving.

So far the downsides are he isolates when he's upset about something unrelated to me and he snores. (I never list sex drive as a downside unless it's like never, because expecting anyone to keep up with me is unreasonable and it's not like I'm not satisfied and he's happy to get me off evened if he's not in the mood, so yeah... even the not perfect is still pretty damn close.)

And the thing is...

He's too good for me. He went to great schools and a great education -- I slacked my way through something I wasn't that into just to be mildly employable. He makes a ridiculous amount of money, I will never, because I just don't care enough for that level of work. He's smarter than me, which is something I don't generally encounter in the wild. I've even gained weight so I don't even bring decoration to this partnership.

I just feel so incredibly self conscious and insecure because I feel like I'm just waiting for him to realize it. And if he did have one actual flaw, he's pretty slow on the commitment front, which isn't bad, but I'm not really sure where I stand -- I tend to know, if not how serious I'll be, how serious I COULD be with someone. And I don't know what he thinks or feels.

And I can't expect everybody to announce every feeling or thought. That's not fair and I know that.

It's just... scary. I don't do vulnerable well. I don't like games or believe in then but I generally like to know I don't have the losing hand even if there isn't an upper one. And here I just feel lost.

So my job is doing case management for disability services. The county contracts out to companies like the one I work for to manage shit. So one thing I'm really familiar with is state healthcare coverage for MN. I also am familiar with it because I've been on it for over a decade. But I am familiar with an important part of it: The income limits. My partner currently doesn't get paid fuck all. His current job is structured in a way where he only gets benefits if he's full time, but they won't give him a full time caseload for almost a year. He's also a full time student. He also only gets paid for the amount of hours he actually bills. So if his clients cancel, he doesn't get paid. Which sucks because when I worked the same exact type of job in the past, I was salaried and had production expectations. Anyway. Last night he's on the phone with his dad and I'm in the room and he's panicking because he needs to find a doctor to prescribe him his ADHD meds because he can't function without them and he's been only taking them on school days because he doesn't want to run out. His dad is sitting there going "Look into an Obamacare program and we'll pay for it." The entire fucking time I'm going "No. He can apply for the state program. He is under the income limit." This back and forth went on until I went "It's my job to know if he qualifies for these programs. Trust me. He can get state insurance." I did his application for him today because he was busy with school and work. Guess what? He's eligible for straight up medical assistance. Which is BETTER than what I get as a disabled worker. He will literally not pay for any healthcare related thing as long as he has MA. Like fucking hell. I need to nap or something. I also need men to listen to me when I say something important.

So it's obviously been a while.. Posts will probably be more sporatic and be general summaries now.

March 1st-15th

I had my MRI and dentist appointments. It's been 2 years since I've had any insurance and 5 years since I've had good insurance. I'm hoping to get a lot done before I lose it again.

Despite having a decent insurance, they declined to cover one of the meds for my migraines. So rather than pay $2000+ for a med I just have the less effective one.

I finished my first classes and took my spring break. I also quit one if my clients, cutting the hours for that job from 18/week to 10/week. I plan on using the extra time for schoolwork.

I started to paint my white bookshelf, but only have 1 side done so far.

I finished reading Lies and Plague from Gone. And with that I am successfully reading most mornings.

I have been outlining project tasks and paying my brother to do them. So the garage is nearly clean and usable.

My brother had his 21st birthday. He had friends over, drinks, and played some DnD. I got him a zweihander.

I've had some very serious conversations with my friend to reevaluate our relationship and some aspects. We are hoping that makes everything smoother and less conflict heavy.

Soccer is a mess as we keep having coaches drop out and complain. The first uniform order was submitted, but another one will need to be done this week.

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Ultimately, an investigation of expected secondary effects and contraindications adds profundity to the assessment interaction. Well-being contemplations stretch out past viability, enveloping a comprehension of conceivable unfriendly responses and distinguishing people for whom a specific remedy may not be reasonable.

Consolidating these standards guarantees an all-encompassing evaluation, directing perusers towards remedy weight reduction pills that guide in their weight the executives venture as well as focus on security and dependability, at last elevating a better way to deal with accomplishing their wellness objectives.

The organized rundown of protected and solid remedy weight reduction pills is a significant section, furnishing perusers with explicit data about drugs that meet severe well-being and viability norms.

Every solution weight reduction pill in the rundown goes through a definite assessment, beginning with a short depiction of the prescription. This incorporates its essential component of activity, assisting perusers with understanding how the pill collaborates with their body to work with weight reduction.

The FDA endorsement status is featured for every medicine, laying out a groundwork of administrative support. This element guarantees that the pills have satisfied the thorough guidelines set by the U.S. Food and Medication Organization, consoling clients about their security and unwavering quality.

Besides, the incorporation of clinical proof supporting every pill's viability gives a straightforward perspective on the logical sponsorship behind these prescriptions. Perusers can acquire experiences in the aftereffects of studies and preliminaries, enabling them to pursue informed choices given sound data.

To offer an exhaustive point of view, possible incidental effects, and contraindications are framed for every remedy weight reduction pill. This data is fundamental for perusers to survey whether the prescription lines up with their well-being profile and to expect any potential difficulties or concerns.

Generally, the rundown fills in as a significant asset, directing people toward remedy weight reduction pills that guarantee viability as well as, more critically, focus on security and dependability in their weight the executive's venture.

Understanding that remedy weight reduction pills are not independent arrangements, the part on the way of life contemplations close by drug investigates the vital job of comprehensive methodologies in accomplishing feasible outcomes. It accentuates that while drugs might help with weight reduction, way of life factors stay central.

The conversation starts by featuring the significance of taking on a comprehensive way to deal with the weight of the executives. This includes coordinating sound dietary decisions and normal active work into one's daily schedule, building up that these propensities synergize with doctor-prescribed meds for ideal outcomes.

Tending to the job of diet and exercise, the part dives into how these elements supplement the impacts of weight reduction pills. A reasonable, supplement-thick eating routine guarantees the body gets fundamental supplements, while standard activity adds to by and large prosperity and improves the metabolic effect of the medicine.

The consolation for standard registrations with medical care experts fills in as a crucial perspective. This continuous relationship guarantees that people get customized direction, screen headway, and make vital acclimations to their treatment plans. This proactive commitment upgrades the viability of the physician-recommended medicine and advances a practical, long-haul way to deal with the weight of the board.

Fundamentally, the way of life contemplations close by medicine highlights the harmonious connection between drug intercessions and solid living, encouraging a complete and persevering procedure for weight reduction. Pursuers are urged to see solution weight reduction pills as a component of a more extensive system that embraces all-encompassing prosperity.

Genoa Underwriter Manager

In ASAIPA independent practitioners form an alliance with different practitioners with related interests in their area to mutually benefit from the union that they form domestically and nationally. Public Liability supplies cowl for legal legal responsibility arising out of damage to individuals or damage to property. Professional Liability protects a professional person or firm towards claims for breach of professional duty, negligence, errors, or omissions. Nsurance firms are additionally usually supported by reinsurance corporations to make sure that they have the suitable balance sheet to withstand the claims. Simply download and complete the APPLICATION FORM andBROCHURE and return it to us at .Cover starts as quickly as the underwriters have confirmed cowl. The South African Colorectal Society aims to promote the study of, and analysis into, colorectal disorders and illnesses, and associated conditions.

On Thursday, 10 March, ASAIPA, MC de Villiers Brokers along side Genoa Underwriting Managers hosted a CPD accredited speak on Telehealth and Telemedicine. Any enterprise enquiry, problem or opportunity is all the underwriter insurance time addressed promptly and effectively. I even have been in a very fortunate position of creating a sound relationship with Genoa.

The Association is not a financial adviser or service supplier and the introduction of the next brokers and underwriters is completed as a service to members and should not be seen as prescriptive. Furthermore, any reductions agreed with the brokers are just for the profit of the member with no commission paid to SAOPA. Informal Restructuring is an different choice to enterprise rescue, allowing an organization, under the steering of company genoa underwriting managers advisors, to work with some or all of its creditors exterior of a formal process to structure a negotiated answer whereby the corporate can return to monetary health. Our revolutionary claims made insurance product provides practitioners the power to tailor their insurance based on custom indemnity limits, diversified excesses and a range of industry-first extensions.

For many FSPs, the minimal prescribed amount of professional indemnity insurance is R1 million. Safire regards PI cover as an important a part of an FSP’s risk administration framework, somewhat than merely being a compliance requirement. Safire is prepared to provide different structures for particular designations throughout the FSP as well as varied extensions, permitting clients to tailor-make an indemnity package deal to go well with their specific wants. Jamal has been involved in industrial insurance for greater than 10 years and has a keen interest in specialist insurance options such as medical indemnity. He has been instrumental in offering reasonably priced solutions to medical practitioners all through South Africa.

In addition, any lawsuits that may come up could be when it comes to South African regulation and jurisdiction. It is underwritten by South African primarily based Safire Insurance Company and reinsured by Munich Re, one of the world’s largest and leading reinsurers. Bekker explains that the policy focuses on mediation and other alternative dispute resolution strategies to scale back claim prices so that practitioners are not confronted with a situation the place their Limit of Indemnity has been eroded by pointless insurance underwriting litigation or defence costs. “We are happy to be the first Med-Mal insurer in South Africa to have acquired their help in respect of this innovative claims made product,” says Pierre Bekker, CEO of Safire Insurance Company. Genoa introduces a revolutionary claims-made offering for Medical Practitioners who meet with our selective underwriting standards. If he/she, or his/her agency, doesn't have Professional Liability insurance then he/she, should meet the declare themselves or pay for their very own legal defense prices just to show their innocence.

We are in a position to dealer distinctive products from main Insurers backed by global leading Reinsurers. Like with all insurers, an increase in premium will rely upon the severity of the claim in addition to if you have a quantity of claims in the course of the interval of insurance. Currently, our policy solely offers cowl for work accomplished inside the borders of South Africa, nevertheless we are currently in discussions to have this extended to supply cover for work accomplished in the UK and within certain different countries round Africa. By comparison, MPS is a mutual organisation that's based mostly in the UK and who present cowl on a discretionary foundation. A Mutual is essentially a pooling association of premium the place, because of the finest way that it's set up, you invariably have a cross subsidization of premiums between High, Medium and Low risk disciplines. We are the one Insurance Company in South Africa that has the monetary backing of the world’s largest Re insurance firm Munich Re.

This was the springboard which he needed as Jamal and his group has rapidly turn out to be industry leaders, and have and have docs in each corner of South Africa who're amazed at the difference he has made to their practices. Highly-qualified Legal Representatives comprising of South Africa’s leading medical defence attorneys. They use both inside, in addition to leading unbiased attorneys all through the declare decision course of, to make sure the very best end result.

Collectively, we're in a position to draw on a long time of underwriting expertise so that our purchasers may be supplied actual depth and worth of service. ITOO, Genoa, Leppard, Sintelum, SHA and Camargue are our open market underwriters in all kinds of enterprise lines. Our business relationships are built on mutual values and belief, and where the consumer is initially. Yes, there are multiple coverage extensions with a variety of the most notable being free fidelity cover of R for theft by staff, an excellent Samaritan extension and a premium holiday of up to three months to cover maternity depart or time taken for added research. However, we is not going to present cover to the locum doctor who's standing in for our insured.

Like conventional merchandise provided out there, the Professional Indemnity Insurance cowl offered to Genoa FSPs triggers within the occasion that they turn out to be liable to pay compensation for any negligent act, error, or omission arising in the efficiency of their professional duties. The bespoke product was designed to incorporate numerous extensions which widen the coverage, and which make positive that your company stays adequately covered. Genoa is prepared to offer tailored insurance options with varying limits of indemnity and excess constructions to go well with your pocket. This product has been rigorously engineered by native experts with an understanding of the numerous challenges dealing with practitioners operating within this quickly altering sector. In addition to this innate understanding of local circumstances, medical doctors and specialists who are insured by a neighborhood service provider will now benefit from the safety of the Financial Advisory and Intermediary Services Act and the South African Ombudsman of Short Term Insurance .

Any skilled who is liable for the delivery of professional companies, recommendation, specs or analysis, may be held liable by his or her shopper for breach of skilled responsibility, negligence, error, or omission whether or not precise or alleged. FEPL provides a full broking service to all professions with regard to their Professional Liability and different Liability insurance covers. By doing so you declare your self a legal medical practitioner registered inside South Africa. These global specialists offer the necessary stability sheet protection when claims arise. Legal liability to pay compensation due to negligent acts, errors or omissions within the performance of skilled duties.

7 Reasons Why You Should Work In The BPO Industry

Have you ever thought of working in the BPO industry? Or have you ever seen call center agents after their shifts laughing happily and thinking, “That could be me”? Well, working in a call center is a highly coveted job. The call center industry is a great place to build your career while having fun. It offers a dynamic and ever-growing environment that fosters development and success.

What Do BPOs Offer?

BPOs or business processing outsourcing companies are organizations that run different lines of business from various clients both locally and abroad. They handle customer service, sales, insurance, medical support, tech support, back-office solutions, collections, and many more. And because many of these BPOs handle offshore clients or companies located abroad, they provide high salaries. Aside from the high wages, there are other incredible benefits. Examples are HMOs, bonuses, incentives, leave credits, rice allowances, transportation allowances, and many more. These benefits help an employee live better and healthier. Many companies do not have top-level benefits as compared to all centers. The benefits can distinguish between a happy employee and a resentful one.

So Why Work For A Call Center?

We’ve already mentioned the great benefits, but there are also other reasons why you should work for a call center.

1. The Salary

OK, so we’ve already tackled that a bit. Let’s look further into this most important factor, salary. The salary offered by most call centers is higher than what you would get in working for a local company. Salary ranges from 17,000php to about 40,000php. On top of the basic salary, there are also non-taxable allowances. This may include night differential pay which is the additional payment you get when you work between 10 pm to 6 am.

Other allowances you may get would be clothing, rice, transportation, internet, and many more. You may also get bonuses when you hit quotas and perform well.

A higher salary will allow you to help your family. It will also enable you to fulfill your dreams. You can fund your travels through this job. You can afford to hang out in coffee shops and buy those expensive fraps. You can now afford to pay for your brother or sister’s tuition or help you, mom or dad, with their maintenance meds.

2. Growth

There is growth in working for a call center. You can get promoted in as early as six months if you perform well. You can get a higher position as an SME (subject matter expert), team leader or manager, quality assurance analyst, real-time analyst or trainer. You can even go higher than that and get promoted as a senior team leader or an operations manager.

You can get positions outside of the operations, such as moving to recruitment and HR or IT. If you work well and hit the metrics required of you, your supervisor or TL can endorse you for that promotion.

3. Make New Friends

There are many unique, bubbly, and fun people you can be friends with as you work in a call center. You will meet people who have various interests, and they can click with you. Many different individuals will surround you for several hours, and you will share your thoughts and feelings, and you will bond with them.

People who have worked together in a call center usually form a bond for life. The friends you will make there will share with you the highs and the lows of your day-to-day work.

There will also be fun activities like team building and company parties to enjoy with teammates. You can also have virtual hangouts if you work at home. Team lunches and post-shift drinking or eating sessions are common ways to unwind and hang out.

4. Health Cards

Having health insurance is a big deal. It allows you to get checkups without paying for them. Most BPOs offer HMOs to their employees. Some even extend this coverage to your family members, spouse or children.

We have heard of many cases where an employee got sick and did not pay for a thing because they had coverage. If you spend for such hospitalization, it would cost you thousands right out of your pocket.

5. Equal Opportunity

Many Filipinos, due to poverty, were not fortunate enough to reach college. Typically, there are fewer chances for people who do not have a college diploma in the past. But with BPOs landing

our shores, doors opened for those who may only have finished high school or are college undergraduates. Getting a job at a BPO, even if you are only a high school graduate, will allow you to earn more money than those with the same educational attainment who work in other jobs.

The job market is pretty saturated, but BPOs continuously hire people, which means there is much opportunity for everyone to apply. Even people with disabilities or the elderly can work in a call center.

People who have worked together in a call center usually form a bond for life. The friends you will make there will share with you the highs and the lows of your day-to-day work.

There will also be fun activities like team building and company parties to enjoy with teammates. You can also have virtual hangouts if you work at home. Team lunches and post-shift drinking or eating sessions are common ways to unwind and hang out.

6. Development

When you work for a call center, you will learn many skills that you will not quickly learn in other jobs. You will learn to work with high performance and quality. You will develop skills such as multitasking. You will also get trained to handle different people.

Yes, it will be challenging, but you will grow as an employee. You will develop character traits such as respect, patience, being polite at all times, resiliency, and ownership

7. A Super Fun Work Atmosphere

Call centers are known for inspiriting their employees by doing R&R projects such as team buildings, fun days, dress-up days, free lunches, raffles, company outings and so much more. The operations area is full of different people who can make your workday fun and exciting.

Call center management teams usually think of fun activities because they know that happy workers are productive workers. Take dress-up days or theme days, for example. Have you ever heard of a company that allows its employees to go to the office dressed up for a pajama party? Summer outings are fun events where the account goes to a resort, and people can go swimming and have games.

The fun vibe in a call center and the energy can motivate you to love your work. 

Still, Having Doubts?

You may have heard those people belittling call center workers. You may have heard people from the older generation saying, “Sayang ka, sa call center ka lang nag wowork. (It’s a waste that you only work in a call center.)”. But don’t let these negative words deter you.Working for a callcenter is a decent job with high pay. It is not “sayang (waste)” to choose to work for a BPO. It provides equal opportunity, good benefits, and a fun and happy place to work in.

So if you are still having second doubts, we’d like to tell you that being a call center agent is a beautiful and fulfilling career that you can have.

Hashish Luggage Etsy South Africa

What follows is an alert and easily suggestible high marked by creativity. This is a very good pressure for creative brainstorming and visualization. The sense of ease and creativity also makes Jack Herer great for facilitating dialog in social settings. Because it offers sage x3 marijuana dual relaxation and buzz for the thoughts and body, Jack Herer sometimes leaves users feeling stimulated however in full lucid management of their actions.

Although there’s no means of telling whether the incident involved real buyer information, be skeptical of companies’ claims about information breaches. In most cases, such claims are formed by PR insurance policies and expediency somewhat than a genuine interest in customers’ cybersecurity. In 2015 MacKeeper established a partnership with Chris Vickery — a skilled information breach hunter. Chris offered safety auditing for MacKeeper, discovered potential threats, and suggested one of the best options towards future vulnerabilities. Besides that, Vickery reported on the newly emerged safety and knowledge breaches in addition to offered helpful personal suggestions on how corporations and users can improve their security. You can log on to buy marijuana and have it delivered straight to your mailbox by entering your postal code.

Looking for a place to purchase cbd oil my old canine has been off all her excessive finish ache meds since being on it and with no unwanted facet effects. Now that it is authorized where I was getting it is on hiatus till they figure out the place they stand. Or what about putting a chook bath in a nook, filling it with soil, and adding some smaller plants and succulents?

It seems persons are already trying to ban chemistry for these exact causes, for instance lab glassware is illegal in texas. I’d sooner have youngsters smoking weed than playing sage x3 marijuana with PVC-based air cannons. Hackaday is already banned in colleges for “information related to hacking”. Reading about drugs doesn’t get you excessive, and reading about these ridiculously poor hotel-door locks hasn’t really caused any of them to open.

Without an ERP designed to assist the hashish trade, your distribution company might need to pay for customizations or add-ons that add complexity and cost to your small business. Regulators, law enforcement and prospects expect sage x3 marijuana rigorous controls to document and observe product. Distribution software, similar to enterprise resource planning products, are among the most precious for the rising hashish distribution area.

There isn't any saying how a lot harm could possibly be attributable to the leaked information in the wrong palms. Fortunately, the leak was discovered by MacKeeper’s partner Chris Vickery who has not launched the database to the world. In 2014, Chris Vickery discovered a leaked database referred to as World-Check with information on over 2.2 million heightened-risk people.

Dispensary sms loyalty packages are the most effective way to construct customer loyalty, improve foot visitors, and enhance sales for hashish firms. By rewarding clients with points for every buy, you're assured to extend buyer retention, maintain customers glad and turn one-time shoppers into your most loyal customers. Dispensary textual content message advertising is the simplest and most cost-effective advertising channel for hashish businesses to advertise to potential prospects. Your cannabis point-of-sale system should maintain nothing again. Not solely do you've got to anticipate security, compliance integration and simplicity, it ought to assist you to develop your small business, too. We worked instantly with cannabis dispensary owners and operators to search out their ache points with other POS techniques.

Little Known Facts About Lawyers.

To show how much the customer received, we utilize a formula. In this instance, I'm going to keep it easy. I have not provided several other prices that we were repaid after we were paid our attorney's cost. After we were paid for our attorney fees and prices from the overall negotiation, we paid numerous of the client's medical bills.

That's cash in his pocket. We did not file a lawsuit in the above instance. To much better describe lawyer's charges, allow's act that I took legal action against. If so, the formula would be similar. However, our fees would certainly have increased to 40% of the complete negotiation rather than the 33 1/3%. If we would have sued, costs would have likewise boosted.

Furthermore, there are various other legal action relevant prices. Will I obtain more money in my pocket if I work with a lawyer for my vehicle mishap? No attorney can assure that the answer will certainly be Yes. Let's look at a research study done by the Insurance Study Council. Here is a fact: Insurance research study council (1999) The study discovered that individuals with a lawyer in a car accident instance obtained 3.

They commonly consist of the legal action declaring cost, which is generally around $400. Other lawsuit prices may be for offering summonses and also subpoenas, court reporters fees, consisting of fees for medical testimony as well as all litigation-related expenses. There may be extra prices.

You'll such as to hear this: In order for us to pay anybody after a negotiation, you must accept and also authorize a closing declaration. And our closing statement lists every solitary price. Below's a complimentary pointer: However, our prices won't come as a shock to you. https://www.johnengman.com/divorce-attorney-grand-rapids-mi/ not? Due to the fact that, prior to we incur a huge cost, we allowed our customers find out about it.

We do our ideal to try to let you know about every expense as we sustain it. That stated, we normally don't educate you concerning costs for licensed mail up until the closing statement.

Here, I intend to focus on the benefit that a city, region or state staff member in Florida obtains by working with an accident lawyer. If your "medical insurance" pays advantages, after that they are qualified to be paid back from the injury settlement. To keep it easy, we'll call this a lien.

Do You Owe United States a Fee if We Recuperate Take Advantage Of Medical Payments ("Medpay") Insurance Coverage? No, unless we need to take legal action against in great confidence to get the "Med pay" advantages. Some car insurance policy policies have medical payments protection. The very same holds true with obligation insurance plans for companies or houses.

The lawyer maintained the rest of the $5,000 med pay ($1,900). The court stated that the $1,900 come from the customer, and remained in unwanted of the contingency charge permitted by the fee settlement agreement. Thus, the lawyer could not take a charge on med pay. If the insurance firm would certainly've rejected the med pay benefits, her attorney can've sued for med pay.

If we settle your situation and also we obtain our fees as well as expenses, will you owe any medical bills? Thinking that we are able to resolve your injury instance, we are entitled to get our charge from the overall negotiation. Our objective is for the rest of the negotiation (after our costs and also prices) to pay for every one of your out of pocket previous medical costs, if any kind of.

That we have actually handled, our clients' part of the negotiation was larger than our lawyer's charge. That is great news for customers. Furthermore, we have actually never ever had a situation where, after we received our fees and expenses, and our customer obtained cash to spend for all the medical bills, our client was entrusted expense costs.

We are careful in the instances we take as well as do our ideal in trying to approve instances where we feel that our clients will be pleased with the result. This indicates that insurance business often look at previous situations to forecast future settlements.

Can We Price Quote The Future Necessary Costs if We're Your Lawyer? We will occasionally tell you how much cash we have actually invested in your behalf. We'll generally send you emails with any kind of cost billings connected. In the start of an insurance claim, there are some projected future essential costs that we're generally knowledgeable about.