Well I just had to share this b/c i was shocked (and yet really shouldn't be....I mean i always complained I lived with slobs, but who knew it would co$t me) Since the end of Sept. my roomates and I have split up and moved to different communities... this morning I received a letter from our old apt. community letting us know we owe $410!!!!!!! EEEEEEEEEEEEEGADS! There were some minor charges then a $920 charge for replacing/repairing carpet (they took $460 off b/c of depreciation). Stupid parties they had with friends who spilt wine & bloody marys .. then they never clean up till much later.. or i'd just attempt to oxyclean the stains after a few days went by b/c you could never expect my roommates to follow through on anything. oy... an experience i'm glad is over. Just an update/ vent. thank you.

Late husband worked for a health insurance company, and that was the last time we had a health insurance benefit. When he left that job, we got catastrophic care insurance, with a huge deductible. We eventually opened HSAs as well. Over the last ten years, each of us has had jobs that offered health insurance plans. We looked at the cost (to the employee) of those company plans, and the benefits, and restrictions imposed. We compared them to the cost of our current plans and benefits, (when you pay yourself, you chose who you want with no restrictions). The HSA balance creeps up over time, allowing more payments, (dental, doctor's office visits, optometrist exams,) on a schedule we controlled, instead of what the company plans would allow. Employers have been hit hard the last few years, too. The workplace plans we were offered had higher premiums than our individual accounts with Unnamed Health Insurance Company, and were not of more value to us. In spite of being a "catastrophic care" policy with a high deductible, It seems to be paying for things, or making partial payments for things, every time i turn around. Tick removed from back at walk-in facility: Paid half the bill. Prophylactic medication in case I was exposed to Lyme disease: I was stunned to have the couple bucks and change it cost. I asked the pharmacist "Isn't there a minimum dispensing fee?" Yes, she said, but the insurance covers it. If I hadn't had that policy, it would have been twenty dollars or so, for two pills. As it was, I paid less than three dollars out of pocket. I'm actually quite happy with the situation I'm in: the fewer people sticking there noses into my health care (policy wonks in DC or that lady in personnel) the better I like it. And it had no bearing on Poor Late Husband's demise: He had lung cancer, quite likely from his thirty eight years of smoking two packs a day. There were unusual circumstances that contributed to his sudden death only five weeks after diagnosis. No amount of chemo, surgery etc., would have saved him. I had a cancer scare myself, actually less than three months after his passing. I asked a nurse what would happen if I had cancer, and my insurance didn't cover treatment. She said she didn't know how that worked, and she said the doctors and nurses take precautions to not know anything about the finances of patients. That way, she said, those with or without insurance are treated the same way while in the hospital. I think it's stupid to go without insurance to have more money for lattes and cell phones, but I defend others' rights to spend the money they earn in a way that they find valuable. As for people who "End up in the emergency room because they couldn't afford a doctor" I've personally known, lived near, worked with some of those people...and they abused the emergency room option so they wouldn't have to pay. I've heard them rationalize taking a child with an earache to the emergency room to avoid a $20 co-pay at the doctor's office, and the hassle of scheduling an appointment. Then in the next breath they griped that they had to wait so long to be seen.

I think that the doctor's office can and will bill you for anything. We get small bills every couple of years, I guess the computers scour the doctor's billings and come up with things not paid. Are you obligated to pay? Maybe not, but they'll send it to Collections if you don't pay.

Eh, bins are finally coming into my house. Didn't have the urge to organize before purging as there was so much crap. I did the work, my house has half the number of storage furniture and drawers it did before I started. Now I'm making things easier to access and bins and baskets are helpful. I can reach the front edge of a 6.5' shelf and see to the back of the bottom shelves of my kitchen cabinets. Without bins stuff got lost. Christmas is finally in 6 small bins for safety after living in 3 heavy tattered boxes for years. Without bins the comforter and blankets I have to keep so my guests don't whine about being cold are a horrible mess on the linen closet shelf. I do shop the stash. Any box, basket or jar in reasonably good shape is kept and I use them rather than buy new stuff if possible. And my donation box is full. Time to get that stuff out of the house.