When you have health insurance, you have a contract (health plan) with the insurance company that says that for the duration (the plan year) of the contract, you will pay them the agreed upon monthly fee every month (the premium), in exchange for them paying for your health care... some.
How much is "some"? Well, that depends.
To understand what it depends on, you have to understand the three-stage model that health plans are organized around.
This three-stage model is never described as such. It is implicit in the standard terms (jargon) of the health insurance industry, and it is never made explicit. There is no industry term (jargon) for the model itself. There are no terms (jargon) for the three stages. But health insurance becomes vastly easier to understand if you think about it in terms of the three-stage model that is hiding in just about every health plan's terms (agreements).
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CORDELIA (sighs) You have no idea how much this is killing me. (sits by pond) I know my ABC's, my history, I know who's President, and that I sorta wish I didn't. I know the name of every shoe store in the Beverly Center, but I don't— (sighs, starts to cry) I don't even recognize the sound of my own name.
ANGEL We'll get you back. No matter what. (sits beside her) I promise you, we will get you back.
It's cold, and gray, and gloomy outside. The Oak Tree outside my window is finally shrugging off it's leaves.
Me: the tree outside my window is holding onto its leaves and stubbornly not letting go of them. Mother: Is it an oak? Me: An oak? Mother: Oaks tend to hold onto their leaves for a long time.
Re-watched Buffy S5, Episode 6 "Family" written and directed by Whedon, and Angel S2, "Untouched", written by Mere Smith and directed by Whedon - and I thought whoa, both these episodes feature characters who have abusive and controlling fathers. And some of the same dialogue? Whedon literally took dialogue from Smith and inserted it in Family. The dialogue exchange between Bethany (the victim of the week in Angel) is the same as the exchange between Tara and her father in Family.
Whedon definitely has a thing for "abusive fathers" in his stories.
Family is a better episode than I remembered - if you ignore Tara and her abusive family. ( Read more... )
I'd forgotten Untouched completely, and hadn't realized Whedon directed it, while Mere Smith wrote it. Or how various themes in it were similar to Family. Of course I hadn't watched them closely together either. ( Read more... )
Should go to bed. But my IBS is acting up, and going to see if it settles?
On Threads, at least I think it was threads, it might have been Twitter - someone asked, how do you respond if someone states "I don't like you." ( Read more... ) ***
Speaking of liking things? Tried to read a negative review on Good Reads about a new Illona Andrews novel coming out. But half-way in, I realized the reviewer a) had only read 35% of the book, b) didn't really like Illona Andrews writing style all that much, c) wasn't much of a fan of the high fantasy or portal fantasy genre, d) hated a series of novels that I had enjoyed in that specific genre, and after checking their previous reviews/likes, discovered they loved Peter Watts' Blindsight - which I can't seem to read or listen to more than five percent of without going to sleep. (They also adore Martha Wells books and Miss Marple Mysteries (which I read when I was a kid and liked well enough.) In short, the reviewer is a hard speculative sci-fi fan, parlor room mystery reader, and Illona Andrews novels are NOT hard speculative science fiction or parlor room mysteries. That's not their genre. And outside of the Murderbot series and possibly Miss Marple, we do not like the same novels.
In short, I couldn't tell from their review whether I'd like the novel or not. Just that I don't tend to share their taste, and we'd most likely clash if we ever interacted online or off. ( Read more... )
That said? I admittedly read a lot of reviews - because I'm curious to see what folks thought about xyz, and have often seen or read the work prior to reading their review of it.
I'm a curious soul, and it often gets me into trouble - as being curious tends to do.
WARREN: What'll it do to Buffy?
ANDREW: Make her super magnetic!
JONATHAN: Wow, she won't be able to get out of her car.
WARREN: And knives and other sharp things will fly at her.
ANDREW: We could walk right by her, and she wouldn't be able to stop us.
WARREN: Unless we were wearing metal belt buckles, then we would stick to her.
ANDREW: In my plan, we are beltless.
So, I, uh, got my RSI/ergonomics debugged!* I then promptly lost two days to bad sleep due to another new mechanical failure of the balky meat mecha and also a medical appointment in re two previous malfunctions. But I seem back in business now. The new keyboard is great.
Patrons, I've got three Siderea Posts out so far this month and it's only the 12th. I have two more Posts I am hoping to get out in the next three days. Also about health insurance. We'll see if it actually happens, but it's not impossible. I have written a lot of words. (I really like my new keyboard.)
Anyways, if you weren't planning on sponsoring five posts (or – who knows? – even more) this month, adjust your pledge limits accordingly.
* It was my bra strap. It was doing something funky to how my shoulder blade moved or something. It is both surprising to me that so little pressure made so much ergonomic difference, and not surprising because previously an even lighter pressure on my kneecap from wearing long underwear made my knee malfunction spectacularly. Apparently this is how my body mechanics just are.
Hey Americans (and other people stuck in the American healthcare system)! Shopping for a health plan on your state marketplace? Boy, do I have some information for you that you should have and probably don't. There's been an important legal change affecting your choices that has gotten almost no press.
Bronze and Catastrophic Plans Treated as HDHPs: As of Jan. 1, 2026, bronze and catastrophic plans available through an Exchange are considered HSA-compatible, regardless of whether the plans satisfy the general definition of an HDHP. This expands the ability of people enrolled in these plans to contribute to HSAs, which they generally have not been able to do in the past. Notice 2026-05 clarifies that bronze and catastrophic plans do not have to be purchased through an Exchange to qualify for the new relief.
If you are shopping plans right now (or thought you were done), you should probably be aware of this. Especially if you are planning on getting a bronze plan, a catastrophic plan, or any plan with the acronym "HSA" in the name or otherwise designated "HSA compatible".
The Trump administration doing this is tacit admission that all bronze plans have become such bad deals that they're the economic equivalent of what used to be considered a HDHP back when that concept was invented, and so should come with legal permission to protect yourself from them with an HSA.
Effective immediately, you should consider a bronze plan half an insurance plan.
This post brought to you by the 221 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.
Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!
I don't know what it is like elsewhere? But this is turning out to be a bitterly cold December in the Northeastern US, specifically New York. It felt like 18 degrees F or -7 C with windchill today, in actuality 34 degrees F or 1 degrees C. Bitter, bitter wind. But sunny and pretty outside with a blue sky and scattered white puffy clouds.
Mememage - Question a Day (because I'm slightly behind, too busy writing about Buffy for the upteenth time. You'd think I'd get bored of it eventually, but apparently not? I can't remember where I left off? I had to go back and check - can't have any repetition, can we? I might contradict myself.)
8. Today is Green Monday: the most lucrative shopping day of the year. This is usually the last day that people can shop online so that the purchases can still arrive in time for the holidays. What’s the last thing you bought from an online retailer?
Sudoko Book and Calendar for my mother, and I did on Thursday (as in today), but it can still arrive in time for the holidays.
9. If you have a battery smoke alarm in your home, do you check the batteries regularly?
No, it's one of those newfangled ones that has batteries which last ten years. Combo smoke/carbon dioxide detector. Although, now that I no longer have a gas stove/oven, less chance of carbon dioxide poisoning.
10. Do you have a blanket you can snuggle under on your couch/sofa?
Yes, but I don't own a couch or sofa. I own armchairs. And an ottoman/coffee table. ( Read more... )
11. How often do you chew gum (or bubble gum)?
I no longer do. I can't - high in sugar. Also it sticks to my teeth, and loses it's taste too quickly.
***
Knee was hurting last night, but it's better today. I've also been off of it more, giving it a rest. Did some exercises, but once it began to ache, pulled back a bit. Iced it as well.
***
Making headway through the Paul Newman Memoir - which is a lot better than the Ethan Hawk documentary, also a lot kinder to Newman. Making me think Hawk is a bit of a judgemental prick? ( Read more... )
Also making headway through "Lady's Guide to Mischief and Mayhem" which is more romance than mystery, and there's no mischief or mayhem. It's okay. I'll most likely finish it? But I wouldn't rec it to anyone?
***
Me: So where did you get that strap that we're using for the exercises? PT: Amazon. Me: What do you call it? PT: Stretch Strap for exercises or stretching strap.
I've noticed a pattern of late? I see something I want, I ask people where they got it, and they state: From Amazon.
Damn. Amazon is doing well.
I also bought humidifiers. My skin is drying out, I have a dry cough, and my lips are chapped. Time for humidifiers.
***
Saw a stray cat (at least I think it is - might not be) on the way home. It's fairly healthy for a stray, so may be just out and about. But thought, it's awfully cold for a cat. Granted they have fur but still.
CORDELIA: Cordelia. (chipper) Hi. I'm Cordy. I'm Cordelia Chase. I'm— Just breathe. Just breathe. (sighs, walks to a nearby table) Sunnydale. (opens yearbook, sees picture of her as cheerleader) OK, popular. No real surprise there. (flips to messages written by classmates) (reading) "Cordelia, homeroom was fun. Too bad it burnt to the ground." What? (reading) "Hey, how 'bout that giant snake." (reading) "Dear Cordelia, thanks for the flaming arrows." Flaming arrows?
Buffy: They have cheerleading coaches?
Amy: Oh, yeah! Don't you have? I train with my mom, three hours in the
morning, three at night.
Buffy: Hmm, that much quality time with my mom would probably lead to
some quality matricide.
Per the PT, I've an irritated or nappy meniscus: ( Read more... ) ***
Watched Buffy S5 episode 5, "No Place Like Home", which oddly, I liked better than Episode 4. (Hmm,as an aside, television writers seem to like annoying characters, and somewhat whiny characters, don't they?) ( Read more... )
1) In another sign of AI run amok, I do the AARP Trivia quiz each day. I swear they have delegated its creation to AI. There have often been errors in the past, usually spelling ones, though sometimes also offering the same answer twice (out of 4 choices) -- which if it happens to be the right answer means you have a 50/50 chance of being wrong even when you're right.
Last weekend there were two. An "explainer" or "further info" box usually pops up after you finish a question. One of them just said "nar."But my favorite was the question "What is the name of dish where beef is cooked in wine." The answer? Coq au Vin. To boot the explainer mentioned that though the name meant rooster it was often made with chicken. Which is, as we know, beef. ( Read more... )
2) This is the first I've heard that Friday Night Lights is getting a sequel, or maybe a reboot depending on how you look at it.
3) Back in October my Garmin tracker just stopped working as I was biking. It didn't do anything the rest of the day and I figured its (unchargeable) battery was dying, since it was guaranteed for a year and it was almost exactly that. Since Garmin seems to be moving away from selling trackers, I decided to try a Fitbit as my partner was satisfied with his. However the next day, the Garmin was working again, so I hadn't opened or set up the Fitbit yet.
Cut to last weekend when it went out again while I was exercising. The Garmin came back after an hour but I'm suspecting that the battery is dying and so it's particularly stressed during continuous activity. It's probably been cutting out for some time, as I've noticed odd differences in step reports during days that are functionally the same.
Skipping over all the things I already don't like about the Fitbit, I decided to start using it alongside the Garmin. The first morning, before I even started exercising, there was already a 200 step difference between what the Fitbit showed and what the Garmin reported. ( Read more... )
3) Saw the last Mission Impossible movie and have to say I was pretty unimpressed. Of course, they were never my favorites to start with. I thought I'd done a review of an earlier film but if so, I can't find it. So this will have to do. ( Read more... )
4) As if people who need groceries delivered (likely those with disabilities or lack of transport) weren't already paying more, now there's dynamic food pricing in action. "hundreds of volunteers shopped on Instacart for identical baskets of goods from Safeway and Target. Of the 437 participants, every single one was exposed to algorithmic price experiments, according to the report. The investigation also found evidence of price experimentation at Albertsons, Costco, Kroger and Sprouts Farmers Market." " All told, the price variations could cost families $1,200 a year, based on how much Instacart says the typical household of four spends on groceries."
"Customers were also shown different "original" prices, making some savings appear larger, the report found, a concept known as "fictitious pricing." Amazon was sued this October for allegedly using this tactic during its summer Prime Day sale."
Also a shout out to Consumer Reports for being one of the few sources that can be counted on in this time of media greed, kowtowing, and chasing squirrels.
"The settlement also requires Dollar General to modify its business practices to prevent future violations of Pennsylvania's consumer protection law, the attorney general's office said. The changes include training employees, maintaining enough staffing to update shelf tags weekly and posting notices at registers saying the lowest posted price will be honored." "We are hopeful the corporation takes this settlement very seriously as Pennsylvanians expect to pay the price that is on stickers and labels.""
This is correct. The document is very clear on that point. But here’s more from Anders:
The United States sees it as a strategic priority… that MAGA movements come to power in Europe, and they intend to use the means that they have to support such movements in the fight against the current centrist governments.
These are some very dramatic statements that have raised deep questions about whether there is any foundation for NATO to function going forward if the United States sees it as a strategic priority to undermine the governments of other NATO countries. …
It’s really hard to see how there can be an alliance any more. The reality is that the views expressed in this [policy document] are in many ways identical to the Russian viewpoints on Europe and the Russian goals of regime change in European countries.
He further discusses the document’s demands for ‘free speech,’ in the sense of ending social media moderation and opposing the exclusion of hate speech, the lifeblood of MAGA fascism. There are several demands in the document around these topics, which he sees – correctly – as focused on helping Elon Musk and Mark Zuckerberg push MAGA/fascist propaganda into Europe through their algorithmically-driven propaganda machines.
Elon Musk’s “X” is the bigger threat, of course. As Nielsen puts it: “If you’re European, then it is a national security priority to stop using X.” Elon Musk bought Twitter to turn it into a fascist propaganda fountain, as opposed to Zuckerberg’s primary intention of making as much money as possible, working with fascists if that’s what gets the job done.
I have, of course, been saying that it’s time to stop using X since a few months into Elon Musk’s takeover of the site because of this exact reason, but, well – who the fuck listens to me?
Anders’s final key takeaway here is that this document doesn’t show a MAGA-led US deciding not to care at all about Europe, but instead shows a US deciding to care very much about Europe – mostly western Europe – with the specific and stated intention of installing MAGA governments, telling Europe that they must be MAGA – fascist – to be allied with the US.
This move would be an extension of what MAGA see as “their” western hemisphere, which other than western Europe means North and South America, including Greenland.
Naturally, this process would include granting Russia and Trump’s second-best pal Putin their own sphere of influence in the east. This portends the US’s impending betrayal of Ukraine, and later, a betrayal of the Baltic states, Poland, probably a couple of others (Moldova? Romania? Bulgaria?) as well.
But why? Does Trump love Putin and Orban that much?
I believe It’s more than that, and more than Trump’s ego, believe it or not. It’s more than his desperate longing to be a dictator and it’s more than his sheer will to steal every dollar in sight. Trump and MAGA, well… they are definitively fools, morons, white nationalists, imperialists, longing for a white imperial past. But I still think that Putin has more choate strategic plans than Trump, and I still think Ukraine is a climate war, so…
…shall I post this line again? Sure, I’ll post this line again. Here’s what I think Putin really wants – not what he’ll get, what he wants. It’s a minimum goal, to “secure” the nation:
That’s oversimplified, of course, but this is a small map and a big thick line. The reality would be far different, and most likely more like existing national boundaries, but still: it gets the idea across.
Meanwhile, when Russian maximalists and propaganda shills talk about how “we should march all the way to Paris” – which they do, repeatedly – here’s what I think they want:
And what do these lines have in common?
Mountains.
Tall, easier to defend, mountainous, migration-blocking borders.
It’s simple-minded in a lot of ways, I suppose, but so is keeping the border at the Rhine and that kept French foreign policy busy for a few centuries, so border politics don’t have to be all that complex.
Putin et al – they know climate change is real. Trump’s a decaying fool and might not know now if he ever did, but Putin? He knows. But heading a petrostate dictatorship with lots of far-northern land? He doesn’t want to stop it, because it’s the outsourced expense of allllllll Russia’s money, and if billions die, well, that’s the cost of doing business.
I call map one Putin’s Wall. Map two? Let’s call it Solovyov’s Wall, since as far as I can tell he’s the most famous proponent of “marching all the way to Paris.” Soloyvov’s Wall isn’t attainable – it won’t happen, it’s (ugh) aspirational – but I do think Trump wants to give Putin his wall, and that Putin has enough trust in Russia’s ability to handle MAGA that he’s willing to let Trump and his replacements handle the west.
Personally, I think MAGA has enough interest in a semi-mythical White Europe that they’re willing to do it. As long as they’re lead by the right – white, fascist – governments.
Hence, this hideous betrayal of a document.
That said, let me be real clear about something: On their own, Russia cannot attain Putin’s Wall. It’d take a complete American betrayal and European capitulation for them to have any chance. They cannot do it alone.
But thanks to MAGA and Trump, they’re on the edge of getting that American betrayal. They want to push that betrayal to completion. If they get it, then they’ll help the US make MAGA happen in Europe, in order to get the second necessary condition of European collapse and capitulation.
Russia’s no match for the EU as a whole. But torn apart? Picking off one little country at a time is… it’s not easy, it’s absolutely not, but they’re willing to kill as many of their own as is necessary for as long as is necessary to do it. Particularly if they’re ethnic minorities. And since nobody wants to flee a climate disaster to a war zone anyway, so he wins either way. Whether deterred by mountains or by war, refugees would go elsewhere, or not at all.
And that’s why I think this is a climate war. Not a war triggered by climate changes in Russia, but by Russia wanting to keep oil and gas going forever and keep out the people that will starve and kill.
You noticed Iran saying that Tehran will have to be abandoned as a capital, didn’t you? It’s more corruption and incompetence than climate change – but it’s a bit of all three. Climate change has moved the timetable. Made things worse. And yet, we’re just getting started.
So, then. Where are we? Ah, yes. How this all plays out.
There’s a bit of a feeling out there that Trump is weakened and even some who think that this nightmare is… more or less over. That Trump is a “lame duck,” that there is no MAGA without him.
That’s partially true. Trump is weakened. MAGA is, too, and they’ve been dependant upon his stardom – and fandom – to reach critical mass. They will be badly wounded – but not out – once he goes.
But none of that means this is over. The more trouble MAGA and Trump think they’re in, the more Trump and MAGA will lash out, trying to push their fascist power fantasies into existence. We will all see more betrayals, more sabotage, more oppression – the ICE army of white supremacists they’re working to summon into existence, funded by the so-called “big beautiful bill,” will actively work to dwarf the violence and abuses we’ve seen this year.
It’s their vision of the future, and they’re going to fight for it. It’s what they want, it’s what they’re all in to get, and it’s what they will do anything to achieve.
And they will not go down quietly. Take heart in the recent massive election shifts. Take heart in Trump’s decay and weakness and failing… opinion polls. Take heart in the America First/MAGA civil war. Take heart in all of it.
But do not, for a moment, think this is actually over.
Dru: "I'm full and warm - yet all alone."
Angelus: "That's not true, precious. You've got us."
Dru: "Not in the least. You won't even hurt me just a little bit."
Darla: "All you have to do is ask."
Dru: "No. He's head's too full of you, grandmother."
Darla: "Stop calling me that."
Dru following: "Don't be cross. I could be your mummy."
Had another PT appointment on Monday, which...went okay, I guess? ( Read more... )
Work party and work in general made me want to walk out the door and retire today. But alas, I can't. I'm not positive, but I have a feeling Breaking Bad felt much the same way. ( Read more... ) Today was my father's birthday - which FB decided to alert me to. Annoying considering my father was never on FB and disliked it. My father, had he lived, would have turned 90. He died in 2022 at the age of 86 just short of his 87th birthday.
So feeling a bit down and out today. Not helped by the bitter cold snap plaguing New York and the East Coast at the moment. It was 18 F degrees this morning, I think that is -6 C. Tomorrow it is supposed to get up to 45 and possibly rain, practically balmy. ****
Buffy S5 Rewatch
Episode S5.4 Out of My Mind
Definitely enjoying Angel more this go-around, probably because I've watched this season one too many times? That said, the dialogue in this episode for the most part is rather good. And there are some good bits here and there.
The episode is mainly about Riley and Spike. ( Read more... )
I went to a bi speed-friending thing on Sunday (it was great) and one of the conversations I had there reminded me of this weird, hilarious moment of fandom-meets-normal-people I had a while ago.
So there were six of us sitting at a round table in a restaurant, having just done a fun activity for sodsta’s birthday. Me, sodsta, januarium, Januarium’s husband A, and our friends L and F. Importantly, L is a uni friend of A’s, and F is her partner. We’re definitely all big nerds together but I’m not sure even L knew that Januarium, Sodsta and I all met through Harry Potter fandom.
We did, though. And we’re part of a group of 11 friends who all have a lightning bolt tattoo - mostly about two inches long, on the inside of our wrists. They were drawn for us originally by lizardspots, because she wasn’t gonna get a tattoo herself but she was part of the group. None of us, I think - including the 4 or so of the group who are trans - regret the tattoos, because they’re a symbol of friendship rather than Potter in itself.
Sooooo like two years ago, we’re sitting around having dinner and F starts excitedly talking about how she’s reading HP for the first time, and really enjoying them. She’s very offline and you can tell from how she’s talking that she has no idea about JKR’s fall off the deep end - and her girlfriend L, who 100% knows, is trans. So she’s happily talking, and L is looking at us in desperation, clearly hoping we’re not about to burst F’s bubble with any information about JKR’s transphobic activism. And I think we all silently decide that if L doesn’t wanna have that conversation, we won’t inflict it. But we’re all kinda like ‘hmm, interesting’ lol, not really engaging about HP, more drawing the conversation towards like reading in general. You’d have no idea any of us had even read those books.
And then F goes something like ‘and the red dragon, the - I can’t remember, the - ’
Januarium: the Norwegian Ridgeback?
F: ???
Sodsta: the Chinese Fireball, wasn’t it?
Me, joining in for the fun of it: or the Welsh Green?
F: …wait…
Januarium, sodsta and I: :look at each other, then slowly slide our wrists onto the table and pull back our sleeves to reveal our tattoos as one:
So we basically did a big reveal that we’d secretly been in a cult the whole time, lmao.