Health Insurance Protects Us From Addiction

We hear all these stories about health insurance companies denying this claim and only the rich being able to afford decent health care. As ironic as it seems, sometimes us normal middle class folk should be thankful that we have to rely on insurance for health care. Sometimes it’s what we can’t afford that protects us.

We have all heard the story. One gets prescribed narcotic drugs: painkillers, sleeping pills, etc., for a legitimate reason. Somewhere along the way something happens and one gets addicted, overdoses, etc. Michael Jackson is the latest in a long line of celebrities to die under these circumstances.

Prevents Us From Getting Addicted

I work as an assistant manager for a retail drug store and I see this on a daily basis. Most pharmacies will refuse to refill a prescription if the insurance refuses to pay for it. Especially when it comes to narcotics, most health insurers have a strict limit on how soon you can have your prescription refilled, most of the time 3 days. You can have your high blood pressure, diabetes, heart disease etc. medication filled a week or two ahead of time, but not your prescription painkillers, sleeping pills etc. Thanks to the insurance company’s strict limit, it makes it harder to become addicted.

Think of it this way. If your doctor wrote you a 30 day prescription for narcotic painkillers that is to be refilled 6 times. Let’s say you take one pill a day so that’s 30 pills every time you get your prescription filled. Because of the insurance company’s strict rules, you’ll only have 3 pills left before you can get your next refill. That three-day time span makes it harder to get addicted.

Stops It From Continuing

If one does get addicted, I’m talking 10, 20, 30 etc. pills a day, insurance makes it harder to get the drugs. One can either buy it off the street at around $80 a pill, or one can get a “legitimate” prescription. One has to go find a doctor outside of their primary care physician. Most of the time you can’t bill this to your insurance because they will start getting suspicious. Even if one found a “candy man,” that person is still looking at a bill of a least $100 to $500, and that’s only a third the work.

Now one needs to get the drugs. Any neighborhood pharmacy will do, but good luck with the bill. A single pill costs around $14. Although that doesn’t sound like much, if you’re at 10 pills a day that’s $140 a day or $4200 a month. For the same reason as the doctor’s visit, you can’t bill it to your insurance.

To top it off, one cannot keep going to the same pharmacy. If one goes to the same pharmacy once every 10 days for a 100-pill prescription, they are going to get suspicious, so one has to diversify. Plus one cannot even go a pharmacy within the same chain because most corporation pharmacies are connected. So the first few times one can go to their local pharmacy, but eventually one has to start going out farther and farther.

When you are a typical middle class American citizen that relies on typical health insurance, this is not an easy task to pull off. Forget about the doctor’s bill or gas money to travel far, how many of us even make $4200 a month let alone spend it all on drugs?

Although quite a few people out there complain that health insurance companies would rather deny claims in exchange for profit, most of us should be glad that we have insurance. It’s insurance that prevents us from getting into such dangerous situations as these.

Credit Cards Aren't So Bad

When someone mentions credit cards, what do you think of? High interest rates, late fees, lifetime of debt, ruined credit? Well credits aren’t so bad; it’s misusing them that gives them a bad name. I got my first credit card in college and since then I’ve use it on almost every purchase and thanks to it, I’m in the process of buying my first house. Most people wonder how do I handle the high interest and how do I have near perfect credit if all I use is my credit card? I know this sounds like a cliché late night joke but it couldn’t be more true, “Don’t buy what you can’t afford.”

Most credit cards give you a several thousand-dollar line of credit and only ask for a $20 or 2% payment every month, whichever is higher. Well think about it, if you buy a $1000 item, let’s make it a laptop computer, and pay only $20 a month for it, even without interest, it will take just over 4 years to pay off that computer. Now with interest, let’s say 19.99%, you’re looking at between 10 to 20 years. Your computer is probably going to be obsolete by the fifth year. Just because you can spend several thousand dollars and make minimal payments doesn’t mean you should. I pay off my credit cards in full every month. Since I pay them in full, I don’t get charged interest plus there are rewards (I’ll get to that later).

By using credit cards instead of cash, you can also protect yourself from fraud. Most of us either know someone or fell victim to wallet theft, I’m a victim. These criminals next to never caught. If all you carry is cash, you’ll more than likely never see that money ever again. So if you were carrying $100, you just lost $100. The people who stole my wallet went on a shopping spree spending over $6000 with my credit cards. My credit card companies caught it and were able to put a stop to most of the charges and I wasn’t responsible for any of the charges.

If you pay off your credit cards in full, most credit card companies also give you rewards. Whether it’s miles, gas, cash etc. it’s actually pretty useful. My first credit card gave me 1% back on all my purchases and 5% back for the first 5 years, 2% after that, on purchases made in grocery, gas, or drug stores. Although it doesn’t seem like much whenever my total got to $100, once every 3 to 6 months, I could request a check. Might not seem like much but an extra $100 every 3 to 6 months never hurt anyone.

So how does one always use credit cards without drowning in debt?

1. Set a budget. Or as one person put it to me, “use your credit card like a debit card.” Calculate how much you make a month. How much of that is going to payments that can’t go on a credit card: mortgage, rent, car payments etc.? Whatever amount you have leftover can go on a credit card.


2. What other payments that need to be made? If your gas, electric, water, etc company allows you to pay off your month bill using your credit card without interest or fees, take advantage of that. Whatever is leftover is your budget.


3. Now to prevent yourself from going overboard check your activity at least every other day, if not everyday. That way you have an idea of how much you have left. One great thing about credit cards is that if you need something on Wednesday but you don’t get paid until Friday and you don’t have any money, you can put it on the credit card.

Dancing With the Star Season 9 Cast Revealed

This morning, on Good Morning America, the cast for Dancing With the Stars Season 9 was revealed. I am literally the biggest fan of the show so this is BIG for me. Although there is the typical cast of actors, singers, models, and athletes, there is one surpise this year, A POLITICIAN!?!?!?!
Former House Majority Leader under the Bush Administration, Tom DeLay, is competing on DWTS. Maybe someone finally took my joke seriously. Shortly after Season 3 I made a small joke about politicians being on the show. Last year when all the preisdential candidates were coming out, I made a suggestion on a DWTS MySpace Group that instead of actors, singers, models etc. since it's an election year, let's have the presidential candidates dance. Think about it, we're a country who cares more about who the next American Idol or the next champion of DWTS than our next president. So why not have all of them compete and while they're backstage with Samantha, express their political views and promises. Politics made fun again after great entertainment.
As for the rest of the cast, typical celebrity cast although I will comment on a few.
Melissa Joan Hart: If I remember correctly early on they asked her several times but due to pregnancy and motherhood she wasn't able to. Since she didn't appear on the seasons afterwards I thought they had given up on asking her. I guess not.
Aaron Carter: During the boy band era there were 3 major boy bands. Backstreet Boys, N'SYNC, and 98 Degrees. So far they've had a former 98 Degrees member, Drew Lachey, 2 former N'SYNC members, Lance Bass and Joey Fatone, I was hoping sooner or later they were going to have a Backstreet Boy on the show soon, completing the boy band circuit. Aaron Carter is the brother of Backstreet Boy Nick Carter so I guess this is close enough.
As some of you know, I started a separate blog about my week long Toyota Prius experience. Maybe I'll start a separate blog about Dancing With the Stars. I'll keep you all up to date.

They Are Called BENEFITS

We all know, in this economy people are getting laid off, they're hours are getting cut etc. etc. etc. It's no different at the store where I work. Employees and now managers have had to work fewer hours so we could all keep our jobs. But the managers all promised one thing, everyone would at least work just enough hours to keep their benefits, especially health.
This is how health benefits work in my place of employment. You receive them after 3 months of employment. You can choose from several different PPO and HMOs. In order to qualify and keep your health insurance you need to keep a 25 hr week average for the last 12 weeks. Sounds simple enough. When everyones hours got cut, us managers made sure that everyone worked at least 25 hrs a week.
I don't know if this economic slow down just made people lazy or people decided because their hours got cut to stop coming to work or something else but people have decided to stop coming to work in insane numbers. We do provide the typical 2 week vacation, personal days and sick days, but the calling off has gotten so ridiculous that most people have used up all those days. After you use up all those days is when it starts affecting your hours.
Now I have several employees without health insurance and other benefits. They are blaming their heads off on us when really they have no one but themselves to blame. These things are called BENEFITS, not ENTITLEMENTS. People need to realize that they are not entitled to health, dental, life etc. insurance, you have to work for them. In this case working for them is quite simple. Just show up for work and do your job.
With the economy this bad and unemployment this high, I would like nothing more than to fire some of these employees and replace them with someone who is willing to work the expected hours and cherish their benefits. All the other managers and I had a little meeting about all this and have a small solution. If anyone is to call in sick again, especially the compulsive call offers, one must provide a doctor's note showing that one can't make it to work. The other day I had an employee whine to me that how is she suppose to bring a doctor's note when she doesn't even have health insurance. I didn't say anything but if she does get sick before her average is back at 25 she will eventually learn her lesson that health insurance is a benefit, not an entitlement, and that sick days are for when you get sick, not to party.

Always Have A Designated Driver

We have been told this for as long as we could understand. Beer and other alcohol companies make commercials promoting this. Yet not enough of us listen. How hard is it to get a designated driver? Bars actually promote it. In my state of California there is even a law stating that bars may not charge designated drivers for their drinks. Even in states where no such law exists, bars promote that.
It’s not just about safe driving; it’s for your own protection inside a bar.
A year ago this week, my friend, “Mary” and I went to a local bar to have a little bit of fun. We watched the Men’s Olympic Swim team cream the rest of the world in the 4X400m Freestyle along with some nice beach volleyball. Since I don’t drink, I was the designated driver for the evening. I won’t get into details but my Mary got REALLY drunk that night. I’ll leave it at a $40 bar tab. At midnight I took her home and then I got settled for the evening.
At around 2am my cell phone is ringing off the hook. It was Mary’s sister asking me what happened? I told her, the drinks Mary had and all the weird secrets she told me. Mary’s sister told that that she was screaming incoherent things and just acting weird. She told me that they were taking Mary to the emergency room and would call me back in the morning.
The next morning I get a call from Mary’s mom that someone had slipped a Valium into Mary’s drink last night. As we’re filing a police report I recalled a redheaded stranger from the previous night offering to give Mary a ride home. He had a friend, he was bald, and both of them told her that she was extremely drunk, in no shape to drive, and offered to take her home. When Mary finally recovered, she remembered that the first thing she felt was her legs feeling like jelly and being unable to walk. Obviously whoever drugged her drink had the intention to kidnap and rape her. Although the police have never caught the guy who drugged Mary’s drink we still feel that it was the red headed stranger and his bald friend who had a plan to rape someone.
Now I know what you’re thinking. Mary did not follow the basic rules of going out for a drink. Never leave a drink unattended, always cover your drink, and when you do leave a drink unattended, order a new one. Well think about, when you’re at a bar, you’re there to drink. We all know that the more you drink the more impaired your judgment becomes. Plus, when we’re out for a night of fun, we don’t consider what “bad things” might happen, so the ideas of consequences are not exactly on our minds.
So here’s my point. Your designated driver will not only prevent you from getting into a car accident, you’ll be safe just incase you become the victim of someone’s cruel intentions. Mary had a few days of nausea and drowsiness but at least she wasn’t raped. Go drinking, go have fun, life’s short, enjoy it!! Just take some precautions. As for my night, I had a non-alcoholic Daiquiri, Cape Cod, and Margarita all free of charge. Plus I embarrassed a drunk who thought he was on his 16th rum and coke. (It was really his 13th rum and coke and his 3rd coke) I had a blast!

Gay Marriage

In the 1920s we fought for women’s rights. In the 1960s we fought for black’s rights. Now in the new millennium we’re fighting for gay rights.
What I don’t understand is why gays have been denied the right to get married. Yes it’s weird, yes it’s a sin in many religions but none of those reasons are valid.
The main argument I have heard is that it’s against one’s religion. Well under the constitution there is a separation of church and state. Meaning if gay marriage is to be made illegal it has to be for a non-religious reason. People need to realize that although a lot of us associate marriage as a religious event, it’s not entirely it. Think about it, if marriage was a religious event that would mean that atheists, agnostics, and other non-religious people couldn’t get married. Houses of worship, such as churches, temples, etc. are private institutions. They get to make their own rules. If they don’t want gay couples getting married in their institutions then they have every right to kick them out. Gay couples should at the very least, be allowed to go to the county clerk’s office and get a sheet of paper saying that these two people are married.
As a side note. If people are so true to their religions and want the law in accordance to their religious beliefs, then why aren’t they fighting to ban divorce or birth control?
I know a lot of people dub being gay as abnormal and weird. Well there are plenty of other weirder things out there. The town drunk, the crazy cat lady, someone covered from head to toe with tattoos and piercings etc. Those people are just as weird, if not weirder yet we seem to allow them into society.
Living in California and hearing all those Prop 8 campaigns, one topic made me very angry: Teaching gay marriage in schools. For starters, I don’t even recall being taught about heterosexual marriage in schools, except for maybe watching a princess movie or two. Another thing, unless you home school your child, really restrict his/her friends, ban television, and put extreme blocks on Internet, they are going to know anyway. Think of everything your parents tried to block you from knowing when you were a kid, but you now know anyway. I remember as a child my parents really tried to prevent me from learning swear words, too bad, I know them anyway. If gay marriage ends up being taught in schools, wouldn’t you rather have children being taught in a truthful neutral environment than in a mixed bias environment from their friends? If a parent wants to tell a child that gayness is bad, be my guest. Evolution is taught in public schools but it is taught from a neutral point of view. In the privacy of their own home, parents are more than welcome to tell their child why evolution is bad.
I can only vouch this for California, not for other states. Being a student of the California public school system since the first grade, I recall when it came to teaching children about family life, there was a law stating that the school must get parental permission. Even if it was for something as ordinary as learning about periods and fetal development. Regardless what race, religion, culture, or nationality one is, a girl is still going to get her period and a baby is still going to develop the same way. I remember in my high school freshman health class when it came to learning about dating, birth control etc. parents could decide what their child was allowed to learn. One girl in my class could not stay for the birth control and dating lectures because birth control is not allowed in her religion and in her culture dates are arranged and supervised. During those lectures, she attended a class on bike safety.
We are now in the Twenty-First Century, we should know better by now. We no longer own slaves, women have equal rights as men, blacks are no longer separate from whites. Isn’t it time gays were given the right to marry.