Thursday, November 20, 2014

Heath Care or Sick Care

Here in America we have a sick health care system, and none of us can agree on how to fix it.  Luckily I've always fairly healthy my whole life and have rarely needed to use my health insurance for myself.  Now that I work for a very small local business that can't afford to provide health insurance for its employees, I have to pay for my own. 

Last year I had about $120 in my budget for insurance and I was able to find a really good plan with Select Health for about that price.  However, when I turned 35 back in June my premium jumped up to $160 a month, without notification and without the option to change to a less expensive plan.  I was told that I had to wait for open enrollment to change plans.  In the last year I've paid well over $1600 in health insurance and have not made a single claim...so basically I paid a year of premiums and received absolutely nothing in exchange.

Now open enrollment is here.  I called the agent that I originally purchased the plan from and they said the next cheapest plan they could find for me was $155 but my deductible would jump up to $6,000.  I checked healthcare.gov and the cheapest plan I could find on there was $168 (but hey I quality for a whopping $12/month subsidy, color me unimpressed).  Considering I don't smoke, drink, or do drugs, and that I am healthy, exercise, and am not and do not plan on ever being pregnant...I'm a pretty safe bet for insurance companies.  However insurance is a terrible bet on my part.  So what's a girl to do?  I've come up for a few ideas, feel free to vote on which option you think I should take, or offer your own.

A) Take on an extra monthly massage client so I can afford the premium (which I don't want to do because I'm already working about 60 hours a week between my 3 jobs).
B) Drop insurance and take the penalty (which I was told today would be about $400), and never get sick or injured ever again.
C) Sham marriage to someone with awesome insurance but we live in separate houses and do NOT share custody of Molly the Wonder Dog.
D) Move to a country with a nationalized health care system
E) Sell a kidney on the black market and be less healthy but I can afford health care.  Or my ovaries, I'm not using those things.


Frankly I don't like any of my options very much, and sadly I'm leaning towards B.  If I get sick just let me die and then bury me in the backyard.

Saturday, November 15, 2014

Gaelic Storm in Logan, Ut - Photos

They came, the played, they conquered.  And maybe, just maybe, they will return. 

I brought several friends as well as my younger sister and her two oldest kids.  I was a little worried that the crowd might be too reserved (this is Logan, we tend to have low energy output at shows), but the music was brilliant and the craic was mighty and the Logan crowd warmed up.

I took photos during the second half of the show.  The number of photos posted may seem like overkill, but considering I just sorted through over 640 frames to narrow it down to these, I think I'm doing OK.  So put on your favorite GS album, scroll through the photos, and enjoy!



 
















 
The next few photos are of Patrick and Twigger explaining the song Darcy's Donkey.  They were also instructing the crowd on the various ways to do "The Donkey", after which they pulled a couple audience members up on stage to have a Donkey-Off.  Go find the song on Youtube and listen to it, the photos will make more sense.













He's Logan but he's not from Logan, he's from Tooele, and the kid is a rock star.
She's from Providence "Not Rhode Island" Utah.

























































At the end of the night my friend Estee got her program signed by the band.  I told her I'd give her $20 if she asked them to sign the random IHC/Logan Regional Hospital advertisement.  And this is what she got (I owe her $20):