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#again it's not my insurance i'm covered by my parents & they dont tell me all the details so idk how much theyre paying for it. might be a
lokigodofaces · 2 years
Text
being an american on here is wild because i keep seeing posts from other americans that describe things they've experienced and say that it is universal among americans and it'll be stuff i've either never heard of or know for a fact isn't true. maybe it's pretty common in your state or the states surrounding you, but there's so much stuff i see that i can not relate to whatsoever, and i've never left the states.
#liv won't shut up#i saw something about insurance today#said that optometry is never covered by health insurance#& i'm sitting here like dude the insurance my dad gets from work benefits (so it's not the best in a lot of ways) has covered our optometry#costs for 3 people for years. & actually idk the specifics but it seems like its not that bad of a plan. we usually buy more than a years#supply of contacts for me (only like a month more) and our insurance covers pretty much all the costs. i have to choose contacts or glasses#every year but my prescription has been very stable so i only have to get new glasses if they're damaged beyond repair#again it's not my insurance i'm covered by my parents & they dont tell me all the details so idk how much theyre paying for it. might be a#lot & we're doing it bc it's one of my dads benefits. but any way the point is that so many americans will say things like every single#person living in america understands & 90% of the time i have no frickin clue what they're on about or i have experienced the exact opposit#it's just interesting that this happens. & it happens all the time. 'all american schools require learning another language' no the frick#they do not. lots do (and this may be a state requirement thing wouldnt be surprised) but not all. wasnt required for me it was just highly#encouraged & i got a different type of diploma for my world lang classes (my hs had a few types of diplomas based on different classes/#grades/etc idk if thats a common thing or not). another good example are train posts actually. i can tell theres a divide between beliefs#on trains based on state & thats bc public transportation is not as feasible in some states. i've spent a good portion of my life living in#small towns or visiting small towns (family) & yeah public transportation in middle of nowhere wyoming and middle of nowhere idaho is a lot#less feasible than the east coast. those are places of vast nothingness other than a few towns every once in a while never exceeding 20000#(ID) or 500 (WY). & even in larger towns it seems like a lot of western states are more spread out. so a subway or other train isnt very#helpful (unless you want to do long distance trains then those could maybe work the issue is that costs money & idk if itd be used enough#to make it worth it for a gov/actually work well) & this is more of a rural/urban issue but that aligns with states as well in a lot of way#oh another one is about facs classes. so in a lot of places facs is being defunded or removed from curriculum. same with arts classes. &#this is becoming a problem in many places! but when ppl are like 'these classes are being taken away everywhere in america' i just sit#there thinking about my state requiring facs in middlie & high school (i believe but things could have changed) plus i had to take like 3#semesters of art (idk if thats state or school or district required) & thereve been talks of raising that requirement. & they add more opt#every year. i was helping my younger brother with his schedule & theres all sorts of stuff that wasnt there before. he has way more options#to fulfill that requirement than i did. & i'm not saying that this isnt a problem it is a problem most places but every state has different#legislation on this so for now at least lots of schools are required to have these classes. & i've probably lost my point by now but it is#odd that i see this so often. that most of posts about america i see are different from what i've experienced. idk maybe the states i've#lived in are weird but youd think that this wouldnt happen to me a lot would you? like sometimes yeah but this happens a lot.#my guess is that a lot of these things are very true if you talk about a specific region or state. but then ppl assume its an american
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violentviolette · 4 months
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ASPD diagnosis anon again.
Thank for responding, I really appreciate it.
You mentioned your bipolar diagnosis affecting your rights/freedoms, what did you mean by that? I ask because personally, I have lots of things i need to address, and process, but therapy as a whole just seems like a massive risk. I'm not asking for a "do this/dont do this," I guess, but more of your perspective and experiences.
Thanks again, just let me know if it's too personal. :)
so in the us at least, it can affect a lot. bipolar disorder is considered a legal disability tho and is protected under the ADA so some of these things u can fight, while others u cant
things like workplace or educational discrimination for example, both are required to provide accomodation for bipolar individuals, but them knowing ur diagnosis at all puts u at risk for discrimination. i know most places wont hire u if they know that upfront, and in some fields (like medical, govt work, ect) outright state that u cannot have a mental health diagnosis like bipd in their field and they straight up will not even consider hiring u
it can affect ur ability to get or renew a drivers liscence, especially specialty liscences like CDL's and motorcycle
it greatly affects ur medical treatment overall. ive had problems with some dr's not taking me seriously because they see i have a bipd dx. i had a bone tumor the size of a baseball in my shoulder for years and when i told dr's it felt like i couldnt breathe and that something was pushing my shoulder out they dismissed me as being a hypochonriac and told me to talk to my therapist. i also need to make a point to appear put together when i see certain dr's or else they take it as a sign im declining mentally
were often at an increased risk for involuntary hospitalizations, especially if healthcare workers believe u to be manic or having an episode. this leaves us more vulnerable to things like guardianships/conservatorships. it is much more likely for judges to rule against us in cases where someone is challenging our legal rights or trying to gain prolonged control. this can be especially dangerous for people in abusive relationships or with abusive parents.
it also counts negatively against us in family court proceedings. judges are much less likely to side with a bipolar parent in custody cases and it's much easier for partners, family members, and the state to seize control over ur children
we also cant buy or legally carry any kind of firearm or other weapons. even knives that are legal to carry for others can become issues for us if the law becomes involved. we're much more likely to be given harsher punishment and prison sentences, and more likely to be mistreated in police custody
overall tho it's about weighing the pro's and cons for u personally. for me with my bipolar, i Need medication or i will go insane and kill myself and so i really had no choice there. u need a diagnosis to access bipolar meds consistently, wheras with something like aspd, u dont need a diagnosis to access treatment so it was easy to keep that one off the books
generally tho, unless ur out here telling ur therapist ur about to shoot up the grocery store or kill ur dog or throw urself infront of traffic, getting hospitalized when ur just seeking average talk therapy is fairly unlikely. hospitals are overfull and the mental health system is way overworked and understaffed and most places dont want to fight with insurances that dont want to cover stays. so u do generally have to be saying some extream things to risk being coded currently, at least in my experience. ive been held for 24hr stays before, but never longer than that. they almost always dont have a bed and so unless ur really losing ur shit infront of them they dont want to have to keep u.
also if u seek out dbt centered therapy and resources they tend to be better about handling hearing the nasty symptoms without getting too nervous. things like issues with empathy and anger management are much more common for patients seeking dbt. it also helps if u tell them these things upfront. this makes u appear more self aware and in control, which works in ur favor and makes it less likely they'll view u as an active threat to urself or others. but it really just comes down to what ur looking for personally
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Is Obama’s health care law gonna make me pay for health insurance if I only make $10,000 a year?
"Is Obama's health care law gonna make me pay for health insurance if I only make $10,000 a year?
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BEST ANSWER:  Try this site where you can compare quotes: : http://freecarinsurance.xyz/index.html?src=tumblr 
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How much is State Farm Car Insurance per month?
How much is State Farm Car Insurance per month?
What company offers the cheapest car insurance for a first time driver?
And also what types of cars are the cheapest to insure? I live in nyc, the 11434 area code. I desperately need a car for college and everything I've checked so far is asking a fortune a month! Help! Thx in advance.""
Can anyone help me find cheap car insurance?
I'm 17 and live in the UK and I'm currently learning to drive. I really want a Fiat 500 when I pass my test, but the insurance is really expensive. My parents say they won't pay for it if it is more than 1000 a year, as I attend a prestigious driving school and they already pay my fees. However, my mum wants a new car and was considering a Fiat 500, so I could always be insured as a secondary driver. What's the cheapest way of doing it and can anyone find me a good insurance quote? I have no idea where to start and my parents won't help until I figure it out myself.""
Will my insurance go up after receiving3 points on my license?
I got careless driving and the cop told me it would be 3 points on my license. I took traffic school to remove previous points 6 months ago so I cannot do that. Will these 3 points raise my insurance rate? Also, I was pulled over by an unmarked detective, and he called in a motor cop to write the ticket. Would it be worth taking to court, and if I take it to court, what are the benefits vs. the losses I can face?""
How do you get car insurance for less than a year?
I would like to get car insurance for just a couple of months as the named driver, but all of the insurance quotes are for a year. Even the pay by month ones have a deposit.""
Car Insurance question?
So the other day as I was pulling out of the parking lot my car hit this non moving car next to me. The damage is not bad at all(a small dent with some scratches) and I am working with the other owner to get it fixed. I recently found out that they got an estimate from two places and both places are charging about 1000 dollars for their service. Do you think I would be better off paying for it from my pocket without informing my insurance place?(I am a broke college student). Should I get the car insurance involve? If I do get the insurance company involved will my rate go way up(cleaning driving record)? And how does car insurance company work(do they pay for all or partial)? What is my best option? Please Help!! Thank you so much for your time.
First car ... I need cheap car insurance.. what car offers cheap insurance?
Tell me how much the insurance costs if possible, bearing in mind I am a new driver.""
What auto insurance company has the best rates for teenagers?
i live in ontario ca if that helps and i drive a 95 caprice
HELP with car insurance for 17 year old?
I am trying to find cheap car insurance for a 17 year old :/ its proving hard and cheapest quote so far is 3500 with my mother as named driver. does anyone know any companys that specialise in young drivers insurance or ways to reduce it?
""What is the best car alarm system, that would also lower my insurance?""
I own a 2003 Toyota Corolla CE. My car insurance is moderately expensive, and I've been told that installing an alarm system would help lower my insurance. But I don't want a cheap alarm that can be easily set off by someone's sound system.""
Is Obama's health care law gonna make me pay for health insurance if I only make $10,000 a year?
I  hope  he isn't  going to make me  pay for  health insurance  when  I'm   in the poverty  level.  That  would  be  a bunch of  crap.  Making people that make over  $20,000  a year pay  for  insurance , I'm  all for  that,  but  not  some  poor  bastards  that  are barely  getting  by as it is.  Am I going to be forced to buy health insurance?
""Rear-ended, bent frame, does insurance replace my car?""
My frame was bent really out of shape in a really stupid rear ender at a metered ramp. The woman who hit me had insurance. My car can't even drive straight without me fighting the steering wheel. Will insurance cover the cost of a replacement? My car is literally 6 weeks old, has 649 miles on it. How pathetic is that?""
I live in arkansas and i need cheap car insurance and i just got my license. know of any cheap companies?
I live in arkansas and i need cheap car insurance and i just got my license. know of any cheap companies?
How much would it cost to add this to my car insurance policy?
okay, i am 16 years old and just got my liscense a couple of days ago. my parents are now paying an extra $800 to add me to the insurance but they want to buy me a really cheap car to drive for about 2 years so i dont crash the other expensive cars we have say i got a '93 honda civic for around $2,000 with around say 100k miles on it, how much do you think it would cost to add that to the policy?""
How much would average insurance be for a 20 year old student for a 2011 Camaro LS be?
Im looking just to get an estimate.
Can i get my car insured on my parents name?
i have recently passed my driving test and it is really expensive to get insured on cars i was wondering if i can get insured on my dads name until i reach a older age then it will be cheaper is it possible to get insured on my dads name?
I have a Mazda 6 ... whats the cheapest Car insurance I should get for it? per month?
What's the cheapest car insurance to get on a Mazda 6...2008? Expected Monthly payments, ect. I am currently at 70/month... with Allstate but I wanted to know if there was a cheaper service out there.""
AAA driving insurance questions?
my cousin is 16 and he wants to know how much driving insurance cost if you have AAA. he's a high school student, good grades, and etc... how many discounts will he get and how much does he have to pay each month?""
""Impossible to get car insurance, what should I do?""
I'm 18 soon and will be wanting to start driving but the cheapest quote i can get is 6000 etc on a 1.0 litre vauxhall corsa, There is no one i can get a policy with as my mum doesn't drive. is there any suggestions? only British people will understand this problem
""Where can i find cheap car insurance in Toronto, Ontario?""
Where can i find cheap car insurance in Toronto, Ontario?""
Will Progressive insurance do this for me?
Progressive advertises that they show you the rates of other insurance companies as well as theirs. I am a current long time customer of Progressive and want to shop to around for cheaper options. If I call Progressive, will they give me the quotes of other insurance companies without me having to shop around?""
Licence and car insurance in different names?
I have recently married and have taken my husbands name. This means for ID purposes I have changed my last name on my driving licence. However out of spite I chose not to change it on my car insurance as it meant paying an admin fee and rather change it when it comes up for renewal in 6 months. Does the different names invalidate my insurance?
How old dose a car/vehicle need to be for lower insurance?
I am 17 and i have been saving money for a brand new car and i started looking for one and i found the one i want and so i decided to get a quote on the insurance for it and the quote as around 350 and the car payment quote was 200 i thought that this is a little ridicules myself and i cant afford insurance that high... So i was just wondering how old a vehicle needs to be before the insurance is way lower than what it would be if it was brand new!
How much more is it to insure two personal cars vs. one?
I am just one guy, I live by myself and nobody drives my car but me. I keep insurance on it but conditions may turn out that I will end up with a 2nd car. I would ultimately drive them both and have them insured but how much is it for one person to insure a 2nd car? Is it (premium of one car) X 2 or more like 1.5(P) I hope this wouldn't be too expensive and make it not worth it.""
How much will insurance go up for a 17 yr old female with 6 months driving experience in an accident?
Accident was her fault. She rear ended a truck. The truck wasnt hurt at all but the car was totaled pretty much. Ticket was failure to reduce speed to avoid an accident. What is a rough estimate of how much insurance will go up for her?
How much does DMV charge for the 30 day car insurance?
How much does DMV charge for the 30 day car insurance?
Is car insurance sexist against males?
As an 18 year old man, I think that it is unfair that car insurance is higher for me than for some girl. Don't get me wrong, I love being a guy and wouldnt change it for the world, but even though I am a careful driver, I still have to pay more insurance simply because of the way I was born. I didnt even get a chance to screw up. If insurance was higher for blacks then they would be having a cow. What do you think?""
Which company has the best insurance leads?
Which company has the best insurance leads?
How much would you estimate the annual cost of living to be in central New Jersey?
This would be for a simple lifestyle- one bedroom apartment, utilities, food, clothing, phone, internet, cable, basic car, car insurance, gas, car maintenance, computer, pet, gifts, and a one-week basic vacation. You can provide an estimate both with, and without, a basic health insurance plan premium. I am just trying to figure out about how much it would cost to live in this area. Thank you for your advice.""
Do you have life insurance?
Ok we have been married for 10 years with 2 small boys. My husband works, I don't. I think he needs disability insurance and life insurance just in case something happens to him. And maybe even life insurance on me and the boys to cover at least funeral costs.. He thinks it's a big waste of money but I think we should. Also, my sister asked me if I would take her boys if something happen to her and brother-n-law. I said of course!! She told me that I would then get XX amt. of money from her life insurance... She also stated it's in their will!! OMG do I need a will too. What do I need in this will. I don't want my kids in foster care so I should name some people who would care for our boys..""
Do I have to give my Friend the car insurance details?
Me, my partner and my friend were in a car accident involving a polish driver who drove into the side of us. We exchanged details and my insurance company have been attempting to contact the polish insurance company with no luck. The accident happened in October and they has still had no luck. My friend said she wasnt hurt but was gonig to make a claim for whiplash. I told her she shouldnt make a false claim and I asked her not to as it would prob come out of my insurance as the polish company were not gettnig back to us. She agreed she wouldnt make a claim. She has since lost her job and spoke to me today saying she has spoken to a company who is going to make the claim for her. She has asked for the insurance details for the polish company as it was there fault and she says she doesnt need any details from me. Firstly - do I leagally have to give her the details for the polish driver/ insurance? and if she has no luck there will I have to give her my details so she can claim on my insurance? I know she isnt hurt and it just annoys me she could be putting my insurance up if she makes a claim against me! Any advice would be useful! Thanks""
Do I still have to have car insurance? I'm a new driver?
I'm using my parents' car and they already have insurance for it. Do I still need to have my personal one even though my parents already have one for it? sounds kind of a rip-off for me.
Insurance options for me?
I'm going to be 20 in July. Me and my Girlfriend are having a child we live in an apartment together in Iowa. I am self employed currently, I make roughly $20,000 a year while going to college full time. I was wondering if I can get insurance for myself through Title 19 or any other form of government insurance to assist me and/or my child. I know private insurance is an option too but I want to take advantage of anything I can get free first.""
""If I provide my health insurance information to a college abroad, will they be able to look up my medical hist?""
If I provide my health insurance information to a college abroad, will they be able to look up my medical history?""
No claim bonus on previous car insurance?
HI I WOULD BE GRATEFUL IF YOU COULD ANSWER ABOUT CAR INSURANCE CLAIM BONUS DID 2 YEARS INSURE WITH FIRST CENTRAL INSURANCE FROM DECEMBER 2010 TO DECEMBER 2012 THEN STOP DRIVING AND NOT DRIVE FOR 13 MONTHS DO I STILL HAVE CLAIM BONUS I WAS TOLD YES IT EXPIRE AFTER 2 YEARS IS THIS TRUE? I TRY CONTACT MY PREVIOUS INSURANCE ABOUT THIS BUT NO REPLY YET THANK YOU
Will the insurance company cover my accident on a rental car?
What happen if i rent a car in my friends name and take it out of state but use my dad's insurance card? I am only 19 and live with him. I am not adding my name as the secondary driver at the rental place. If i get in a accident in a different state will my dad's insurance cover the accident. And i can't rent in my dad's name. So that's out of the option. I am renting in Georgia and going to Florida. Thank you
Is Obama's health care law gonna make me pay for health insurance if I only make $10,000 a year?
I  hope  he isn't  going to make me  pay for  health insurance  when  I'm   in the poverty  level.  That  would  be  a bunch of  crap.  Making people that make over  $20,000  a year pay  for  insurance , I'm  all for  that,  but  not  some  poor  bastards  that  are barely  getting  by as it is.  Am I going to be forced to buy health insurance?
https://www.linkedin.com/pulse/car-insurance-give-young-driver-reasonably-quote-jose-bryant/"
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