Wednesday, June 30, 2010
Tuesday, June 29, 2010
Health Insurance
Well, after all the fretting and anxiety about insurance, when it happened and I had to go out and get it on my own it was a relatively painless process, although the pain part probably won't come unless I need to use it. Then I am responsible for up to $5,000. But we will take it one step at a time. I had no choice really. The Cobra coverage frrom Weber was not only outrageously expenisive but also only allowed me access to doctors in Utah. The insurance agent I talked to on the phone was extremely helpful, even if he did mess up my application. Here is what I ended up with for $230.oo a month
What's the coverage for preventive and other office visits?
Plan pays 100 percent of covered expenses after your $35 copayment for office visits to your in-network primary care doctor. Copayments for in-network specialist and urgent care visits are $60.
What's the coverage for lab and x-rays?
Plan pays the first $500 at 100 percent per person per calendar year for certain covered preventive and diagnostic lab, and x-ray services. After this, you'll pay 20 percent of covered expenses once you meet your deductible.
What's the coinsurance percentage for hospital services?
For both in-network inpatient and outpatient services, once you meet your annual deductible, this plan pays 80 percent coinsurance for most covered medical expenses from in-network providers – which means you pay 20 percent of covered expenses until you reach your coinsurance out-of-pocket maximum.
What's the coverage for emergency room services?
You pay a $100 access fee per visit; then your plan pays 80 percent of covered expenses for an in-network emergency room once you meet your deductible. The access fee is waived if you're admitted to the hospital.
What's the coinsurance out-of pocket maximum?
Your in-network coinsurance out-of-pocket maximum for this plan is $2,500. Deductibles, copayments, and access fees do not apply to the coinsurance out-of-pocket maximum. Once you meet your deductible and coinsurance out-of-pocket maximum, the plan pays 100 percent for most covered in-network services.
Does the plan include prescription drug coverage?
This plan includes the Rx4 prescription drug benefit, which classifies drugs in one of four levels. Level 1 has a $15 copayment for a 30-day supply and includes many generic drugs. For drugs in other levels, you need to pay a separate $500 prescription deductible and then pay the specified copayments. Copayments are $35 for Level 2, $60 for Level 3, and 35 percent of the drug's cost for Level 4 (for a 30-day supply).
These amounts are for covered drugs from in-network pharmacies only. Use our Drug Coverage Search tool to look up which prescription drugs are covered. To locate an in-network pharmacy near you, use our Pharmacy Locator tool.
You'll have the opportunity to lower your Rx deductible for an additional cost by selecting the $150 deductible Rx optional benefit. You can add this benefit on the next page
Monday, June 28, 2010
Mini-retirment
Friday, June 25, 2010
Health Insurance
Tuesday, June 22, 2010
I wish'd I'd thought of that (oh wait, I did)
Sunday, June 20, 2010
I See Dead People
Wednesday, June 16, 2010
Deck Chairs
Monday, June 14, 2010
china?
if i am going to get back to china in the fall, i am going to have to start making some moves in that direction. need to decide whether it will be work or study. i would prefer not to teach english. there is first the teaching job in beijing to apply for, and i should probably go ahead and do that. then there is the assistant job at the china institute. and i should apply to study somewhere in chengdu and perhaps elsewere. there are many advantages to being in chengdu. i already know people there and know my way around. it would be very comfortable and an excellent place to do research for the book. on the other hand, a different place, beijing for example, might be more interesting and at least different. but there is also a part of me that really does not want to go there, that has a preference for clean air and potable water and is also simply tired of travelling. but i really can't stay here for much longer but will have to move my life along at some point in some direction, even if it is just directionless wandering.
Saturday, June 12, 2010
The Choice
Friday, June 11, 2010
Need to sit
I think I need a long period/just to sit somewhere/reflect/take it all in/Just to be quiet for God's sake/Still the mind/Gather strength/I know that Jung somewhere talked about such a process/I am somehow going to have to find the energy/for a second act/or not
Thursday, June 10, 2010
The fallback plan
Wednesday, June 9, 2010
Dawn is when I am awake
Well, about the only way I can justify this inactivity, or this unproductiveness, is to refer o the fact that I have been going forever without taking a break: from college to grad school, from grad school to job. Non-stop. Really should have taken some time off at some point, and I didn't. So this, is my time off. And I should give myself permission to drift for a few years. Even if given my age this seems inapprorpriate, as Thoreau said, "Dawn is when I am." By which I take it he means that we have to judge our lives by its own standards and accept its own pacing.
Tuesday, June 8, 2010
Joined a gym
Monday, June 7, 2010
Joun Waters on Fresh Air
Sunday, June 6, 2010
Sunday, the first hour and seventeen minutes
So, this morning, after a late night up at ten and grab some coffee
and immediately turn on the computer and finish up my nepal online journal,
at least through the pass,which is all i will probably do,
then find a China story to post on Facebook,
this one from James Fallows blog invovling the Chinese version of Twitter,
and go to Chinese Pod and look at an elemntary lesson about a security check,
and look at the resume I finished last night as well as the letter for the job at the Beijing Center and now after two cups of coffee going to sit outside
even though it is hot
because it is even worse sitting in this room
and no idea what to do for the rest of the day
although when I got up I was seriously considerring the notion of having a true sabbath
and not doing anything but by this point that seems out the door
Saturday, June 5, 2010
Further thought on trip
So I wrote earlier
about how I thought if the last three weeks of the trip had been different
--if I'd gone to the spa to cleanse and then came back to the States and started running,
instead of wasting the time in Chiang Mai and Kawagoe--
well things would have been alright.
Of course, I realize it's a bit like saying
that if the pipe would have been properly cut on the last effort to stop the oil spill,
they could have captured 50 percent instead of 25 percent of the oil.
It would make so little difference in the scheme of things
that it is not worth getting worked up over.
The fact is that in both cases,
we are still dealing with a disaster.