August 2018 Moms

Unpopular Opinion 2/22

13

Re: Unpopular Opinion 2/22

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  • @livinthesunnylife I agree about Deductibles, but I don't agree that there should be a 'mandated amount' if that is what you meant. We pay 1200 a month for a 3500 individual deductible, and thats the best we can get. I will never be able to even use that insurance as that deductible is too high for us to have to come up with even in payments in the 'reccomended 6 month payoffs' in our area.


    Formerly known as Kate08young
    August '18 Siggy April Showers:






    Me: 28 H: 24
    Married: 7/22/14
    Baby L: 8/4/2015  August 2015 Moms
    Baby E: 11/18/2016   December 2016 Moms
    TTC #3 08/2017  BFP 11/27/2017. 
    Twin B lost 11/22/2017, Twin A doing well. 


  • I don't see the point anymore.  Even if an apology was given at this point it would not be seen as sincere. 
  • @livinthesunnylife But arguably health insurance IS your own money, you pay into it every month and the portion your employer pays is part of your compensation package that you earn for the work you do. And people also decide which plans to purchase/enroll in by weighing the out of pocket costs versus what is covered, so I don't really view it as anyone looking at it as a magical bucket of money. Services covered by my health insurance are services I am working for and paying for, so why wouldn't I take advantage? 
    *TTC History*

    Me: 37, MH: 38; Married August 2017

    TTC #1 October 2017: BFP on 12/1/2017, DD born 7/24/2018 @ 37+1 after induction due to preeclampsia

    TTC #2 January 2020: AMA, dx with DOR in May 2020

    IVF July 2020: 16 eggs retrieved, 14 mature, 12 fertilized, 3 blasts, 2 PGT-A normal

    FET 10/7/20: BFP on 10/12/20!!! (EDD 6/25/21); First beta 10/16/20 (9dpt): 148; Second beta 10/19/20 (12dpt): 621; Third beta 10/26/20 (19dpt): 4732; Fourth (and final!) beta 11/2/20 (26 dpt): 22,000+

  • @livinthesunnylife I think my confusion comes from the fact that I don't think I know anyone who treats their insurance like that, haha. But I agree that people should in general be aware of how much things cost and how they spend their money.
  • @livinthesunnylife just keep in mind a lot of people on employer-provided insurance don't have a ton of options for providers or prescriptions. There is only one place I am allowed to get long-term prescriptions, for example.
    Me: 28, DH: 40
    Married 9/28/13
    DS born 11/12/15
    EDD 8/13/18
  • @calimom2524 Side note: because of your ticker I have been wanting a steak for days! I might have to sweet talk DH into taking me on a hot date  ;) 
  • @legallykate Do you know what your health plan costs your employer annually and what you will cost this year?  Every person in here will cost more than they are paying this year, it's not a matter of 'getting your money's worth'. 

    And that thinking that we should just tap into every available healthcare service without regard to the cost is exactly what is driving up our healthcare costs as a country.  People who think you get free chiropractic and massage services through your employer so you may as well go (just an example)?  Yeah, it's not free.  It might be free out of pocket to you, but claims are created and there is a cost. 

    The decision of whether the service is needed should not be based on whether insurance is covering it or if you are paying for it.  Thinking like that is exactly what's driving up our healthcare costs.  Insurance covering something does not make it free money. 

    People think differently with auto insurance.  Everyone knows that auto claims will show up on your driving record and your auto insurance rates will increase so people are judicious with only making claims if they have to.   But people don't think like that with health insurance. We are our own problem with the rising cost of healthcare. 
  • @shri929
    What is a lovie?
    Me:32
    DH:45
    DSD: 20
    DSS: 18
    Team green baby due: Aug 6th, 2018

    Pregnancy Ticker
  • My UO. If I were a teacher and asked to carry a gun, I would. I know this isn't for everyone, but I'd do it. I've already invested time and money into the classes and carry permit. I already have my own gun, holster, etc. 

    I don't think every teacher should be forced to make such a decision, no. But we have armed teachers here, and I think it's great. (I also think teachers should be paid more, but that's obviously a PO.) 
    This bolded is where I was trying to go.  It shouldn't be an 'everyone has to' thing, but you should have the option of getting approval (yes 1000x better screening than regular gun owners/operators) and repeat certifications. 

    I have 4 separate closets in my classroom that are locked unless I am actively grabbing or putting something into them. Students have never been in them, or even know what all is in there. I could easily safely store a gun in one, and ammo in another across the room from it.      

    The advice from our local  LEOs if we ever see an active shooter, in my concealed carry class, was to confront the shooter. I can't remember the exact stats he had for us, but it was like 85% of shooters will either flee or turn the gun on themselves when confronted. They are behind such an impersonal, long range weapon as to avoid dealing with the consequences of their actions. 


    Formerly known as Kate08young
    August '18 Siggy April Showers:






    Me: 28 H: 24
    Married: 7/22/14
    Baby L: 8/4/2015  August 2015 Moms
    Baby E: 11/18/2016   December 2016 Moms
    TTC #3 08/2017  BFP 11/27/2017. 
    Twin B lost 11/22/2017, Twin A doing well. 


  • edited February 2018
    @derbysquirrel it's like a small stuffed animal with a little blanket that supposedly they get attached to.  But DS could care less.  He has this one in his crib, never really touches it. 

    ETA: I think most people spell it lovey?  Not that it really matters.
  • ecwkecwk member
    edited February 2018
    @shri929
    What is a lovie?
    It’s a little soft cuddly thing that babies/children have and sometimes get attached to. Usually it’s like a square piece of fabric with some sort of mini stuffed animal attached. 

    ETA 



    August '18 April Siggy Challenge: April Showers





                                                              Lilypie Maternity tickers
                                                                                           

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  • @derbysquirrel yes, that ^! My son took to it as an infant and gets really upset when he can’t find it/ doesn’t have it. It’s kind of like his “blanket”
    DS born 04/22/15, Pregnant again 03/01/17 however loss due to PPROM at 20+6 weeks now TTC rainbow
  • I do think people should be conscience of how much things cost but the price of health care is extreme. Because I am an accountant for my company I know that our insurance plan for just one person costs us 3000 a month and that does not include what the employee pays. Now most people do not even get close to using 36,000 a year. We have amazing insurance so it probably is a little higher than average. I do think people take advantage but also insurance companies are not hurting in any way. 
  • I do think people should be conscience of how much things cost but the price of health care is extreme. Because I am an accountant for my company I know that our insurance plan for just one person costs us 3000 a month and that does not include what the employee pays. Now most people do not even get close to using 36,000 a year. We have amazing insurance so it probably is a little higher than average. I do think people take advantage but also insurance companies are not hurting in any way. 
    Yeah I also seriously doubt I have ever cost more than what I/my employer paid. I likely will this year with the pregnancy and delivery, but that is the exception and not the rule for me. I am generally healthy and usually don't hit my deductible (I am on an HDHP plan). I'm certainly not suggesting anyone rifle through their health care plan and be like "oh I need to go to Yoga because it's covered" but I think when you work hard and comprehensive health care is part of your compensation, you should be able to access medical services you need without worrying about the costs.
    *TTC History*

    Me: 37, MH: 38; Married August 2017

    TTC #1 October 2017: BFP on 12/1/2017, DD born 7/24/2018 @ 37+1 after induction due to preeclampsia

    TTC #2 January 2020: AMA, dx with DOR in May 2020

    IVF July 2020: 16 eggs retrieved, 14 mature, 12 fertilized, 3 blasts, 2 PGT-A normal

    FET 10/7/20: BFP on 10/12/20!!! (EDD 6/25/21); First beta 10/16/20 (9dpt): 148; Second beta 10/19/20 (12dpt): 621; Third beta 10/26/20 (19dpt): 4732; Fourth (and final!) beta 11/2/20 (26 dpt): 22,000+

  • My parents never really censored what we watched and I turned out fine.  DS probably watches things he shouldn't.  Right now, he's a fan of Big Brother hahahaha  Whoopsie!

    We're watching the Harry Potter movies now because I have never seen them and I don't get the hooplah.  They're okay but I will never watch them again once we've churned them all out hahaha

    To each their own on the doula thing. Whatever someone wants and makes them comfortable.

    I love massages, I am getting one Saturday ;)
  • I agree about the Hdhp - it changed how I approached health care and if nothing else made me pay more attention to the costs of services and meds. Dh sees it a lot in his work (pharmacy) as well. 

    Fir me the reason is more big picture. Health care costs are crazy, insurance is a mess. I don’t think having skin in the game *that you are forced to pay attention to* is a bad thing and maybe consumer awareness could affect some change. 

    Oh and I hate the term ‘little man’ too. 




    11/18/16 missed m/c 9w1
    05/2017 cp
    08/03/17 no hb 8w

  • I watched Pulp Fiction with my mom when it came out. That one was confusing. I was 9. I watched whatever they did, and I don't think it ended up too badly. I let my teens watch GOT, but it can get awkward for everyone if we're in the same room. 
    Me:32
    DH:45
    DSD: 20
    DSS: 18
    Team green baby due: Aug 6th, 2018

    Pregnancy Ticker
  • haha @calimom2524 I think the pot of gold is at the end of the rainbow right?  Just gotta figure out where that is
  • Did you guys here that the SRO at the Florida school didn’t enter the school during the shooting? He’s been fired. 

    He didnt do his damn job. He chickened out. The one person paid to protect.

    Which is why I’m team “if they want to carry a gun, let them”. (With proper training and such) A lot of schools in the US already allow faculty to carry. Everyone should jump on board.

    I know a lot of people don’t agree. And I’m sorry. But we aren’t just fighting guns. Like the recent Chinese knife crazy man who killed several dozen. Injured more. There’s always going to be something. And people should have a right to defend themselves. 

    Also. Despite the media fear mongering. Studies show we actually live in a safer world overall. All things included. We hear about stuff more. Because social media. But we are safer today than we were 50 or 100 years ago. 

    Something to ponder. 
  • I don't care for pizza. At least not the traditional pizza with red sauce. Some made with white sauce or herbed olive oil ate pretty great. I'm actually not a fan of tomato based sauces in general. Marinara and ketchup do nothing for me. I love fresh tomatoes, though. 
    Me:32
    DH:45
    DSD: 20
    DSS: 18
    Team green baby due: Aug 6th, 2018

    Pregnancy Ticker
  • @derbysquirrel my best friend once went on a date with a guy who told her he didn't like pizza. There was no second date (he was also kind of a douche but the pizza thing pushed her over the edge). 
    Me: 28 DH: 29
    Married: 6/2016
    TTC #1: 12/2016
    Benched due to deployment- Off the bench 8/8/17!


  • I don't care for pizza. At least not the traditional pizza with red sauce. Some made with white sauce or herbed olive oil ate pretty great. I'm actually not a fan of tomato based sauces in general. Marinara and ketchup do nothing for me. I love fresh tomatoes, though. 
    GASP!!!!! I’m from CT. Pizza is LIFE!!!! I even had it tonight mmmm




    11/18/16 missed m/c 9w1
    05/2017 cp
    08/03/17 no hb 8w

  • I had pizza tonight too. Mine was with an herbed olive oil, but I had a slice of DH's traditional pepperoni. It made me remember that I really don't care for it =)
    Me:32
    DH:45
    DSD: 20
    DSS: 18
    Team green baby due: Aug 6th, 2018

    Pregnancy Ticker
  • I don’t understand not liking pizza. You should see someone about that. ;-)
  • Harry Potter haters and now pizza haters?! GTFO with that nonsense. :tongue:

    I haven’t been on here all day and just caught up. Add me to the 100% hell the eff no on guns in schools. Zero of my many teacher friends want that responsibility, and SO many things could and I’m positive *would* go wrong. 

    Single moms rock, I would for sure get a doula if it were in the budget, and while I adore Pretty Woman, Julia Roberts annoys me in most movies. 
    April Siggy Challenge: April Showers
    68b4a0fa9283500827195ef5a5ccdd70

    About me:
    29 y/o
    Married 6.26.11
    BFP 12.23.13, EDD 9.2.14 - baby girl, born too soon at 22w6d due to a placental abruption on 5.5.14
    BFP 8.4.14, EDD 4.15.15 - rainbow son, born at 30w4d due to a placental abruption on 2.8.15, healthy 3 y/o now!
    BFP 2.28.17, EDD 11.8.17 - baby girl, miscarried at 11 weeks on 4.21.17
    BFP 11.28.17, EDD 8.8.18, delivering in July - another rainbow baby boy!

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