#emergency medical coverage

[asjinsurance]

Travel Insurance - 5 Reasons Why You Should Never Ignore Your Travel Insurance Coverage

Traveling is an exhilarating experience, offering the opportunity to explore new destinations, immerse in different cultures, and create unforgettable memories. However, amidst the excitement, it’s crucial not to overlook the importance of travel insurance. Here are five compelling reasons why you should never ignore your travel insurance coverage: 1. Protection Against Trip Cancellations or…

[fluffghostrp]

i want to Respond to Drafts because i actually have the focus necessary for once....

except i gotta sleep in like an hour or so because i gotta be up at 4am for a 12 hour shift.

why meeeee i've only been home for an hour I wanna wriiiiiiite.

[ms-insurance]

Accidental and Sickness Insurance in Saskatoon – Secure Your Future | Ms Insurance

What is Accidental and Sickness Insurance?

Accidents and unexpected illnesses can disrupt life and create financial burdens. Accidental and Sickness Insurance provides coverage for medical expenses, lost income, and other related costs. If you live in Saskatoon, securing the right insurance ensures financial stability and peace of mind.

Why is Accidental and Sickness Insurance Important?

Life is unpredictable, and health issues can arise at any time. Here’s why this insurance is essential:

Covers Medical Expenses – Helps pay for hospital bills, doctor consultations, and treatments.

Income Protection – Provides financial support if you cannot work due to an accident or illness.

Peace of Mind – Reduces stress for you and your family by covering unexpected medical costs.

Emergency Benefits – Some policies offer additional support for critical illnesses or disabilities.

Coverage Offered by Accidental and Sickness Insurance

A well-structured Accidental and Sickness Insurance policy in Saskatoon typically includes:

Accidental Death & Dismemberment (AD&D) – Pays benefits in case of death or permanent disability.

Hospitalization Coverage – Covers hospital stays, surgeries, and medical treatments.

Income Replacement – Provides a percentage of your income if you cannot work due to injury or illness.

Rehabilitation Costs – Covers physiotherapy, occupational therapy, and recovery treatments.

Critical Illness Coverage – Offers a lump sum for severe conditions like heart attacks, cancer, or strokes.

Who Needs Accidental and Sickness Insurance?

Everyone can benefit from this insurance, but it is especially valuable for:

Self-Employed Individuals – No employer benefits, making coverage essential.

Freelancers & Contractors – Income loss can be significant during health issues.

Families & Parents – Protects loved ones from financial hardship.

Workers in High-Risk Jobs – Construction, transportation, and manual labor professionals need added security.

Students & Young Professionals – Affordable protection for medical emergencies.

How to Choose the Best Accidental and Sickness Insurance in Saskatoon

To find the right insurance policy, consider these factors:

Coverage Amount – Ensure it meets your financial needs and lifestyle.

Premium Costs – Find a plan that fits your budget.

Policy Inclusions & Exclusions – Understand what’s covered and what isn’t.

Waiting Periods – Some policies have specific waiting times before benefits apply.

Claim Process – Choose a provider with a simple and quick claims process.

Benefits of Getting Accidental and Sickness Insurance from MS Insurance

At MS Insurance, we offer customized Accidental and Sickness Insurance plans tailored to your needs in Saskatoon. Here’s why you should choose us:

Affordable Premiums – Competitive pricing to fit every budget.

Comprehensive Coverage – Protects against medical emergencies, income loss, and more.

Fast Claims Processing – Hassle-free claims for quick assistance.

Expert Guidance – Our team helps you select the best policy.

Frequently Asked Questions (FAQs)

1. Can I get Accidental and Sickness Insurance if I have pre-existing conditions? Yes, but coverage may vary based on the condition and insurer’s terms.

2. How much does this insurance cost in Saskatoon? Premiums depend on age, coverage amount, health history, and occupation.

3. Can I combine this insurance with other policies? Yes, it works well with health, life, and disability insurance for full protection.

Get Your Accidental and Sickness Insurance Today

Don’t wait for an emergency to secure your financial future. Contact MS Insurance today for the best Accidental and Sickness Insurance in Saskatoon. Get a free quote and ensure your peace of mind!

[newsjet]

Importance of international health coverage for expats

DUBAI, UAE – (ARAB NEWSWIRE) — International health coverage is essential for expatriates, providing peace of mind and financial security in unfamiliar health care environments. Moving abroad brings a range of new experiences but also unique challenges, especially when it comes to accessing medical care. Expats often face varying health care standards, language barriers, and differing medical…

[tuttle-did-it]

If I had it, I'd give it. But if you can, please do.

Medical coverage should be a human right. No one should have to ever run fundraisers for medical bills.

Legendary U Washington bookseller Duane Wilkins is drowning in medical debt

Nearly every sf writer who's ever toured the west coast knows Duane - he's the encyclopedically knowledgeable sf buyer for the U Washington Bookseller, who has organized some of the best sf signings in Seattle history. He's a force of nature.

He's also broke. A two-week hospital stay left him drowning in medical debt - despite being insured! - and now he's being threatened by a collection agency.

Now, Duane is forced into participating in one of the most barbaric of contemporary American rituals, fundraising to cover his medical debt. He's raised $6k of the $10k he needs (I just pitched in $100).

If you can afford to help out someone who's done so much for our community, please kick Duane whatever you can spare.

[hospitalhelper]

You know those days that you realize you have a weird job? Today I provided medical coverage for a group of first responders doing a run in chemical protective gear and then in the afternoon I covered the same group playing dodge ball and jokgu. No one got hurt or passed out during the gas mask run but I had something like fifteen people come to me for scrapped knees and a concussions after dodge ball. However competitive and try hard you remember being durring high school P.E. I need you to immagine that same drive in a group of full sized adults who are all incredibly fit in ways that body builders aren't. None of those muscles are for show and they can whip a foam ball hard enough to concuss someone in the audience.

[riding-with-the-wild-hunt]

compiling some mutual aid projects and nonprofits working in sudan. though depending on where you get your news you may not see very much coverage of the unfolding crisis, millions of people are in danger every day as the situation continues to deteriorate. i've been really astounded by the scale of your response to the earlier list of gazan initiatives, and i hope you extend the same support to these organizations too!

khartoum aid kitchen - currently running 12 community kitchen sites and supporting five others that collectively provide food for over 10,000 people

fill a heart - provides financial support to sudanese hospitals and families displaced in egypt. updates are available on their instagram.

sudan solidarity collective - supporting civil society organizations and providing psychological and educational programs for displaced people. can also donate through their paypal

darfur women action - runs programs for displaced women and girls

sudanese american physicians association - provides medical treatment and supports healthcare infrastructure

amal for women - currently focused on providing water, food, hygiene products, and shelter for displaced people. general projects include education programs for children, support and professional training for single mothers, and providing trauma care. also has a gofundme

hadhreen - provides food, water, solar panels for hospitals, children's educational programming, and a variety of other support services

hometax - provides necessities for displaced people, including food, shelter, and medical assistance. updates can be found on their instagram.

barana hanabneiho - originally focused on rebuilding and equipping schools, currently providing food, water, tents, mosquito nets, and weather-appropriate necessities to displaced people. they have an instagram and also accept donations through zeffy

saving algeneina initiative - provides a variety of necessities, including food, rain covers for tents, and medical care. works with displaced people in both sudan and chad.

sudanese red crescent society - runs health programs across all 18 states as well as delivering essential supplies

sadagaat - various initiatives including water stations and community kitchens

hope relief and rehabilitation for disabilities support (hrrds) - originally focused on disability justice programs. currently providing food, water, hygiene products, mobility aids, and other necessities with a focus on supporting disabled people and other vulnerable groups

medglobal's sudan emergency appeal - provides medical supplies, equipment for doctors, and fuel for hospitals

sudanese american medical association - provides food, water, and medical equipment, as well as training clinicians and sending extra doctors to hospitals

siha network - provides menstrual products and obstetric/gynecological care

as before, this is not an exhaustive list, so please feel free to add any similar initiatives or organizations you know of. and as always please donate whatever amount you can and share! every small action makes a difference, even if it feels inconsequential to you.

[shayerid]

Secure Your Journey: Find a Travel Insurance Broker Near You with Blue Umbrella Financial Services

Planning your next adventure is an exciting endeavor, but amidst the excitement, it's crucial to prioritize your safety and peace of mind. That's where Blue Umbrella Financial Services steps in – your trusted travel insurance broker near you, committed to ensuring you embark on your travels fully protected.

Travel insurance is a vital component of any trip, offering financial protection and assistance in the face of unexpected events such as trip cancellations, medical emergencies, or lost luggage. As your local travel insurance broker, Blue Umbrella Financial Services is dedicated to helping you find the perfect coverage tailored to your unique needs and travel plans.

With a wealth of experience and expertise in the insurance industry, our team at Blue Umbrella Financial Services understands the intricacies of travel insurance policies and works tirelessly to match you with the most comprehensive coverage available.

Finding a travel insurance broker near you shouldn't be a daunting task. At Blue Umbrella Financial Services, we strive to make the process simple, convenient, and hassle-free. Whether you're traveling for leisure or business, domestically or internationally, we'll guide you through the options and help you select the right policy for your journey.

As your trusted travel insurance broker, Blue Umbrella Financial Services goes above and beyond to provide personalized service and support every step of the way. From assisting with policy selection to offering claims assistance, we're here to ensure you travel with confidence and peace of mind.

Don't leave your travel plans to chance – partner with Blue Umbrella Financial Services, your premier travel insurance broker near me. Contact us today to explore your options and secure the protection you need for your next adventure. With Blue Umbrella Financial Services, your travels are in safe hands.

[uae-tourist-visa-online-service]

Buy UAE Travel Insurance Online | Secure Your Trip with Ease Safeguard your travel plans to the UAE by purchasing travel insurance online. Get comprehensive coverage for medical emergencies, trip cancellations, lost baggage, and more. Buy UAE Travel Insurance Online, Dubai Visa, Uae visa, Emirates Visa, Dubai Tourist visa, UAE Tourist Visa, Dubai Visa Online, UAE visa online, Abu Dhabi Visa, Sharjah Visa, Dubai Visa From Saudi, UAE visa From Saudi, Dubai visa From Qatar, Uae visa from Qatar, Dubai visa from Switzerland, UAE visa from Switzerland, Dubai visa from south Africa, Uae visa from south Africa, Apply UAE Visa Online, Apply Dubai Visa Online

[uaevisa23]

Buy UAE Travel Insurance Online | Secure Your Trip with Ease Safeguard your travel plans to the UAE by purchasing travel insurance online. Get comprehensive coverage for medical emergencies, trip cancellations, lost baggage, and more. Buy UAE Travel Insurance Online, Dubai Visa, Uae visa, Emirates Visa, Dubai Tourist visa, UAE Tourist Visa, Dubai Visa Online, UAE visa online, Abu Dhabi Visa, Sharjah Visa, Dubai Visa From Saudi, UAE visa From Saudi, Dubai visa From Qatar, Uae visa from Qatar, Dubai visa from Switzerland, UAE visa from Switzerland, Dubai visa from south Africa, Uae visa from south Africa, Apply UAE Visa Online, Apply Dubai Visa Online

[ana-bananya]

URGENT: Aalaa only has 3 days left to achieve her goal

Current progress: $45,328/50,000

Vetted on SudanFunds.com

"Following my mother's recent surgery and upon last week's check ups and testings, with further tests and medications still required, we face significant medical expenses. Despite two months of fundraising efforts, we are yet to reach our goal and my mother remains uninsured. This lack of coverage affects my entire family, including my mother and my 15 my year-old brother, who needs to undergo emergency surgery for an open foot fracture. We urgently need to raise $6000 to cover these mounting medical costs and respectfully request your assistance."

– Update from Aalaa posted on gfm in April

Aalaa still has not been able to cover insurance for her family or been able to schedule check ups for her mother. Her brother is also still waiting to be able to afford surgery to heal his foot.

It has been 3 months of failed attempts to help get Aalaa's family the funds they need for their medical expenses. Now, this is the final push to get the money to them by the end of May. We need to help Aalaa complete her goal of $50k in the next 3 days.

Please do whatever you can to help her, whether that be sharing or donating. Anything you could give will help immensely.

Tagging for reach. Please share if you see this. Thank you

@harfee @beybuniki @umbr3llaz @5nake-eater @romantiquue

@terezbian @vaas @ayllu @nonbinarythoughts @satyajit-ray

@seepweed @chubbles-7x @aroshenanigans

@tuxedokit @gamb0fficial @vincentspork @teabisexual @officialscud

@sleeplessea @musicrunsthroughmysoul

@raccoon-in-a-hoodie @mintidotxml @infinitemacaroni

@livindeddreamz-rbs-and-nonsense @weirdmarioenemies

@amvs @lun4rc0w @purpleweredragon

@aetharis-starcaller @bobanchikn-reblogs @twstchatterbox

@weirdmarioenemies @ugisfeelings @cosmicgamerboy

[amaditalks]

Abortion Is On The Ballot

In ten states, there are ballot measures or questions which will be decided in the November election which will impact the future of abortion access in those states. Here’s what you need to know.

Arizona

Arizona Proposition 139 the Right to Abortion Initiative will amend the state constitution to provide for the fundamental right to abortion that the state of Arizona may not interfere with before the point of fetal viability unless justified by a compelling state interest.

To enshrine abortion rights protection in the state constitution Vote Yes

Colorado

Colorado Amendment 79, the Right to Abortion and Health Insurance Coverage Initiative will amend the state constitution to create the right to an abortion and authorize the use of public funds (Medicaid) to pay for abortion care.

To enshrine abortion rights protection in the state constitution Vote Yes

Florida

Florida Amendment 4, the Right to Abortion Initiative, will amend the state constitution to declare that "no law shall prohibit, penalize, delay, or restrict abortion before viability or when necessary to protect the patient’s health, as determined by the patient’s healthcare provider.” The current constitutional provision requiring parental consent for minors' abortions will not be affected.

To enshrine abortion rights protection in the state constitution and overturn the current six week abortion ban Vote Yes

Maryland

Maryland Question 1, the Right to Reproductive Freedom Amendment, will amend the state constitution to establish a right to reproductive freedom, defined to include "the ability to make and effectuate decisions to prevent, continue, or end one's own pregnancy."

To enshrine reproductive rights protection in the state constitution Vote Yes

Missouri

Missouri Amendment 3, the Right to Reproductive Freedom Initiative will amend the state constitution to provide the right for reproductive freedom, which is defined as "the right to make and carry out decisions about all matters relating to reproductive health care, including but not limited to prenatal care, childbirth, postpartum care, birth control, abortion care, miscarriage care, and respectful birthing conditions," and providing that the state legislature may enact laws that regulate abortion after fetal viability.

To enshrine broad reproductive rights protection including abortion in the state constitution and overturn the current complete abortion ban Vote Yes

Montana

Montana CI-128, the Right to Abortion Initiative will create a constitutional "right to make and carry out decisions about one’s own pregnancy, including the right to abortion," and allow the state to regulate abortion after fetal viability, except when "medically indicated to protect the life or health of the pregnant patient."

To enshrine broad reproductive rights protection including abortion in the state constitution Vote Yes

Nebraska

The Nebraska Prohibit Abortions After the First Trimester Amendment will amend the state constitution to elevate the current twelve week abortion ban law to a constitutional provision with limited exceptions for medical emergencies or in cases of rape.

To prevent the current legislative abortion ban from being enshrined in the state constitution Vote No

Nevada

Nevada Question 6, the Right to Abortion Initiative will amend the state constitution to create a constitutional right to an abortion, providing for the state to regulate abortion after fetal viability, except where medically indicated to "protect the life or health of the pregnant patient."

To enshrine abortion rights protection in the state constitution Vote Yes

New York

New York Proposal 1, the Equal Protection of Law Amendment will amend the state constitution to provide that people cannot be denied rights based on their "ethnicity, national origin, age, and disability" or "sex, including sexual orientation, gender identity, gender expression, pregnancy, pregnancy outcomes, and reproductive healthcare and autonomy."

To enshrine equal rights protection for pregnant people and abortion patients in the state constitution Vote Yes

South Dakota

The South Dakota Constitutional Amendment G, the Right to Abortion Initiative will amend the state constitution to protect the right to an abortion based on a trimester framework, with no restrictions permitted in the first trimester, only limited medical need restrictions permitted in the second trimester and allowing deeper restrictions in the third trimester except "when abortion is necessary, in the medical judgment of the woman's physician, to preserve the life and health of the pregnant woman."

To enshrine abortion rights protection in the state constitution and overturn the state's current full abortion ban Vote Yes

If you live in one of these ten states and abortion rights matter to you, get registered or double check your registration and make your voting plan today. Every single vote matters significantly in amendment questions.

[intersex-support]

Intersex Resources: Books, Art, Videos

Here's a list with some resources to learn about intersex community, history, and politics! These include some academic sources and some community sources. I'd love to add sources in other languages and that focus on countries besides the United States, so if anyone has recommendations, please let me know. Continually updating and adding sources.

Reading list:

Intersex History:

"The Intersex Movement of the 1990s: Speaking Out Against Medical and Narrative Violence" by Viola Amato.

Hermaphrodites with Attitude Newsletters.

Jazz Legend Little Jimmy Scott is a Cornerstone of Black Intersex History By Sean Saifa Wall

"Hermaphrodites with Attitude: Mapping the Emergence of Intersex Political Activism" by Cheryl Chase

Chrysalis Quarterly: Intersex Awakening, 1997.

"What Happened at Hopkins: The Creation of the Intersex Management Protocols" by Alison Redick.

Bodies in Doubt: An American History of Intersex by Elizabeth Reis.

Intersex Politics

“A Framework for Intersex Justice.” Intersex Justice Project

"Creating Intersex Justice: Interview with Sean Saifa Wall and Pidgeon Pagonis of the Intersex Justice Project." by David Rubin, Michelle Wolff, and Amanda Lock Swarr.

"Intersex Justice and the Care We Deserve: ‘I Want People to Feel at Home in Their Bodies Again." Zena Sharman.

Critical Intersex edited by Morgan Holmes.

Envisioning African Intersex: Challenging Colonial and Racist Legacies in South African Medicine by Amanda Lock Swarr.

"Intersex Human Rights" by Bauer et al.

Morgan Carpenter's writing

"I Want to Be Like Nature Made Me: Medically Unnecessary Surgeries on Intersex Children in the US." by Human Rights Watch.

Cripping Intersex by Celeste E. Orr.

"From ‘Intersex’ to ‘DSD’: A Case of Epistemic Injustice" by Ten Merrick.

"Did Bioethics Matter? A History of Autonomy, Consent, and Intersex Genital Surgery." by Elizabeth Reis.

Intersex Community

"Normalizing Intersex: Personal Stories from the Pages of Narrative Inquiry in Bioethics." edited by James DuBois and Ana Iltis.

Hans Lindhal's blog.

InterACT Youth Blog.

Intersex Justice Project Blog.

"What it's like to be a Black Intersex Woman" by Tatenda Ngwaru.

Intersex Inclusive Pride Flag by Valentino Vecchietti.

The Interface Project founded by Jim Ambrose.

Intersex Zines from Emi Koyama

Teen Vogue's Intersex Coverage

YOUth& I: An intersex youth Anthology by Intersex Human Rights Australia

Intersex OwnVoices books collected by Bogi Takacs.

Memoirs:

Nobody Needs to Know by Pidgeon Pagonis.

Inverse Cowgirl by Alicia Roth Weigel

XOXY by Kimberly Zieselman

Fiction:

Icarus by K Ancrum.

An Unkindness of Ghosts by Rivers Solomon

Video/Audio

Every Body dir. Julie Cohen.

Hermaphrodites Speak! 1997.

Liberating All Bodies: Disability Justice and Intersex Justice in Conversation.

"36 Revolutions of Change: Sean Saifa Wall."

Inter_View: An Intersex Podcast by Dani Coyle

Hans Lindhal's Youtube channel.

What it's Like to be Intersex from Buzzfeed.

Emilord Youtube channel

I'm intersex-ask me anything from Jubilee

What it's like to be Intersex-Minutes With Roshaante Andersen.

Pass the Mic: Intercepting Injustice with Sean Saifa Wall

Art

"Hey AAP! Get your Scalpels Off Our Bodies!" 1996.

Ana Roxanne's album Because of a Flower.

Intersex 1 in 90 potraits by Lara Aerts and Ernst Coppejans

Anyone can be Born Intersex: A Photo-Portrait Story by Intersex Nigeria.

Pidgeon Pagonis "Too cute to be binary" Collection

Juliana Huxtable Visual Art

Koomah's art

Please feel free to add on your favorite sources for intersex art, history, politics, and community !

[stevetoday]

Pro-Choice - Abortion Measures on The Ballot

Florida Amendment 4, the Right to Abortion Initiative A Yes vote with 60% will Establish a constitutional right to abortion until viability, with exceptions for later pregnancies. Arizona Proposition 139, Right to Abortion Initiative (2024) A "yes" vote supports amending the state constitution to provide for the fundamental right to abortion, among other provisions.

Colorado Amendment 79, Right to Abortion and Health Insurance Coverage Initiative A  "yes" vote supports creating a right to abortion in the state constitution and allowing the use of public funds for abortion. Maryland Question 1, Right to Reproductive Freedom Amendment A "yes" vote supports adding a new article to the Maryland Constitution's Declaration of Rights establishing a right to reproductive freedom, defined to include "the ability to make and effectuate decisions to prevent, continue, or end one's own pregnancy."

Missouri Amendment 3, Right to Reproductive Freedom Initiative A "yes" vote supports adding a fundamental right to reproductive freedom, defined to include abortion and “all matters relating to reproductive health care,” to the Missouri Constitution, among other provisions. Montana CI-128, Right to Abortion Initiative

provide a state constitutional "right to make and carry out decisions about one’s own pregnancy, including the right to abortion," and

allow the state to regulate abortion after fetal viability, except when "medically indicated to protect the life or health of the pregnant patient."

Nebraska Initiative 434, Prohibit Abortions After the First Trimester Amendment A "no" vote opposes amending the state constitution to prohibit abortions after the first trimester unless necessitated by a medical emergency or the pregnancy is a result of sexual assault or incest.

Nebraska Initiative 439, Right to Abortion Initiative A "yes" vote supports amending the state constitution to establish a right to abortion until fetal viability. Nevada Question 6, Right to Abortion Initiative A "yes" vote supports providing for a state constitutional right to an abortion, providing for the state to regulate abortion after fetal viability, except where medically indicated to "protect the life or health of the pregnant patient." New York Proposal 1, Equal Protection of Law Amendment A "yes" vote supports adding language to the New York Bill of Rights to provide that people cannot be denied rights based on their "ethnicity, national origin, age, and disability" or "sex, including sexual orientation, gender identity, gender expression, pregnancy, pregnancy outcomes, and reproductive healthcare and autonomy."

South Dakota Constitutional Amendment G, Right to Abortion Initiative A "yes" vote supports providing for a state constitutional right to abortion in South Dakota, using a trimester framework for regulation:

During the first trimester, the state would be prohibited from regulating a woman's decision to have an abortion;

During the second trimester, the state may regulate abortion, but "only in ways that are reasonably related to the physical health of the pregnant woman;" and

During the third trimester, the state may regulate or prohibit abortion, except "when abortion is necessary, in the medical judgment of the woman's physician, to preserve the life and health of the pregnant woman."

[ms-demeanor]

I've been following what's been going on with Belphie the kitten and his person, Greer Stothers, has just mentioned pet insurance in a tag on a post and I wanted to give an example from my life backing up why pet insurance can be a good idea and why I think it is worthwhile.

Two years ago my sister's dog had bloat while she was on vacation. The kennel he was staying at recognized symptoms and called my sister to clear them to take him to the emergency vet. My sister is very financially secure and this dog is an enormous part of her life, so she said yes with barely a moment of hesitation. That ended up being about twelve thousand dollars of emergency surgery.

Large Bastard and I got pet insurance for Tiny Bastard the same week because we realized that if someone had presented that option to us, we would have had no choice but to have Tiny Bastard put down, and we didn't want to be put in that position.

I did a lot of research about different kinds of pet insurance and different levels of coverage and annual maximums and deductibles and so on and so forth. Tiny Bastard is a senior dog, so this was going to be expensive no matter what options we went with, so I chose a moderately priced plan with a $500 annual deductible, unlimited annual coverage, that pays 80% of the bills incurred annually below the maximum. What that means is that we pay the first $500 of care totally out of pocket, after which point we are reimbursed 80% of any vet bills for care covered by the plan.

The first year we had this plan I was kind of iffy about it. It's a noticeable monthly expense and we didn't even spend the deductible in vet bills the first year. Except that a month before the policy was set to renew, Tiny Bastard got diagnosed with diabetes. We now have monthly insulin costs and syringe costs; there are tests she has to have regularly to monitor her overall condition and we need to do more frequent vet visits to track symptoms.

Suddenly the insulin alone means that the insurance is break-even within six months and the additional visits and tests are something we can afford instead of something we'd have to put on credit.

Our plan (through ManyPets) covers medication, surgery, diagnostics, medical equipment, and euthanasia and cremation. It doesn't cover pre-existing conditions, joint conditions for dogs who were signed up over a certain age, dental care, spay/neuter, vaccinations, or prescription food but honestly all of that makes me just kind of wish we'd signed her up earlier - her knee problems *would* be covered if we'd had her signed up as a puppy, and the monthly cost would have been lower if we'd signed her up then. And there are at least a few emergency vet bills that I wouldn't still be paying off on my credit card. Hell, I've probably paid more in interest on some bruising she got in a fight three years ago than I have for this policy as a whole.

I am glad that Greer is able to take care of Belphie. I am glad that my sister was able to take care of her dog. But I'm also really, really glad that for a relatively low cost, I would be able to take care of Tiny Bastard if she were catastrophically injured, or if she needed emergency surgery. I'm glad that I'm able to take care of her now with her medications and her additional vet visits.

There are a lot of people who say that pet insurance isn't worth it, especially not for young animals. But if your young animal gets very sick, or gets badly injured, or eats a hairband and needs an emergency endoscopy, then it will probably be VERY worth it. It's a risk/reward question. You feel like you're wasting money if you're paying for a policy that you never use, but honestly that just means you're lucky to have a healthy pet.

I'm lucky that Tiny Bastard was relatively healthy before I got the insurance; I'm also lucky that she was insured when she was diagnosed with a chronic illness that will need lifelong care. This enables me to provide care for her that would otherwise be financially unmanageable, and that makes the insurance *extremely worth it* from my perspective.

And Belphie is a good example of why it's a good idea to get coverage even for very young pets. Greer is recommending it because this kitten has required a tremendous amount of care during a period in his life when it's generally taken for granted that a cat will be healthy. (And Greer is not stupid for forgoing pet insurance - pet insurance is still a relatively new concept and there are lots of people who are leery of it for a number of good reasons)

So I'd say that if you've got a pet or are getting a pet it is very worthwhile to find a pet insurance plan that fits in your budget. There are a variety of plans out there and some are very inexpensive. Check coverage levels (you can even get some with wellness plans that include dental care and vaccinations) and see if there's something that works for you.

I personally don't think I'm ever going to own another pet without having pet insurance. It's ridiculous how much easier it is for me to say yes to diagnostic tests or different treatments than it was before because I know I'm going to be able to fit Tiny Bastard's care into our budget.

[introvert-in-hell]

ReproductiveRights.Gov Information

Copied all of the information off of ReproductiveRights.Gov using the WayBackMachine (<3) seeing as it's gone now. I don't know how much of it will hold in the coming days but it's still important now. If you want to see the website here's a link that works (as of 21/1/25), and if it stops I copied all the info below the cut.

YOUR RIGHTS

Update on Medication Abortion

On June 13, the Supreme Court issued a unanimous decision holding that the plaintiffs in FDA v. Alliance for Hippocratic Medicine lacked standing to challenge FDA’s actions. Mifepristone—which FDA approved as safe and effective more than 20 years ago—remains available under the conditions of use approved by FDA.

The Biden-Harris Administration remains committed to protecting reproductive rights, ensuring women can make their own decisions about their own bodies, and preserving the FDA’s authority to make science-based determinations about what medications are safe and effective. Read statements from President Joe Biden, Attorney General Merrick Garland, and Health and Human Services Secretary Xavier Becerra.

Know Your Rights: Reproductive Health Care

Reproductive health care, including access to birth control and safe and legal abortion care, is an essential part of your health and well-being. While Roe v. Wade was overturned, abortion remains legal in many states, and other reproductive health care services remain protected by law. The U.S. Department of Health and Human Services (HHS) is committed to providing you with accurate and up-to-date information about access to and coverage of reproductive health care and resources. Our goal is to make sure you have appropriate information and support.

Your Reproductive Rights

Below you will find information on your right to access reproductive health care, what your health insurance is required to cover, and where to go if you need health insurance.

Whether you get coverage through your employer, Medicaid, HealthCare.gov, or elsewhere in the private insurance market, most plans cover family planning counseling, birth control, and other preventive services at no additional cost to you. Federal law allows federally-funded health coverage (like Medicaid) to cover abortion in some situations, and some private health insurance plans also cover abortion care.

Your Right to Emergency Care

In light of the Supreme Court's decision to overturn Roe v. Wade, it's more important than ever that you know your rights on receiving emergency medical care.

The Emergency Medical Treatment and Labor Act (EMTALA) requires Medicare-participating hospital emergency departments to offer any person who requests it an appropriate medical screening examination within the capability of the hospital’s emergency department.

If the hospital determines that you have an emergency medical condition, federal law requires the hospital to offer you treatment until your emergency medical condition is stabilized, or an appropriate transfer to another hospital if you need it.

An emergency medical condition includes any medical condition manifesting itself by acute symptoms and that, in the absence of immediate medical attention, could reasonably be expected to place the person’s health in serious jeopardy. Emergency medical conditions involving pregnant patients may include, but are not limited to, ectopic pregnancy, complications of a pregnancy loss, or emergent hypertensive disorders, such as preeclampsia with severe features. In some instances, the treatment reasonably necessary to stabilize a pregnant woman’s emergency medical condition may be an abortion.

These federal rights preempt any directly conflicting state laws or mandates that apply to specific procedures.1

To learn more click here.

1 Please note: pursuant to the injunction in Texas v. Becerra, No. 5:22-CV-185-H (N.D. Tex.), HHS may not enforce the following interpretations contained in the July 11, 2022, CMS guidance (and the corresponding letter sent the same day by HHS Secretary Becerra): (1) the Guidance and Letter’s interpretation that Texas abortion laws are preempted by EMTALA; and (2) the Guidance and Letter’s interpretation of EMTALA — both as to when an abortion is required and EMTALA’s effect on state laws governing abortion — within the State of Texas or against the members of the American Association of Pro Life Obstetricians and Gynecologists (AAPLOG) and the Christian Medical and Dental Association (CMDA).

Your Right to Birth Control Coverage

The Affordable Care Act requires most employer-based health plans and private health insurance plans to cover family planning counseling and to cover certain birth control methods with no out-of-pocket costs to you if you have a prescription. This includes, but is not limited to:

Hormonal methods, like birth control pills and vaginal rings

Implanted devices, like intrauterine devices (IUDs)

Emergency contraception, like Plan B® and ella®

Barrier methods, like diaphragms and sponges

Patient education and counseling

Sterilization procedures

And additional forms of contraceptives approved, granted, or cleared by the Food and Drug Administration (FDA)

To learn more about birth control coverage requirements for different types of health coverage, visit here. To learn more about birth control methods, visit here.

Some birth control methods are available over-the-counter and without a prescription including:

Emergency contraception, like Plan B®

Condoms

Birth control pills, like Opill®

Your Right to Access Medication

The law prohibits pharmacies that receive federal financial assistance from discriminating on the basis of race, color, national origin, sex, age, and disability in their health programs and activities. While pharmacies regularly dispense medications; make determinations regarding the suitability of a prescribed medication for a patient; and advise patients about medications and how to take them, pharmacies that receive federal financial assistance may not discriminate against pharmacy customers on the bases prohibited by statute when they do so. Read the guidance for the nation's retail pharmacies here.

HHS is committed to ensuring that people are able to access health care free from discrimination. If you believe that you or another person’s civil rights have been violated, you can file a complaint with HHS here

Your Right to Access Abortion

As a result of the Supreme Court's decision to overturn Roe v. Wade, access to abortion will depend on the state you live in even more than before.

Mifepristone, in a regimen with misoprostol, has been approved by the Food and Drug Administration (FDA) since 2000 for the termination of early pregnancy, and is safe and effective when used as directed. Mifepristone for medication abortion currently is available for dispensing by mail by certified prescribers or by certified pharmacies for prescriptions issued by certified prescribers, in addition to in-person dispensing in clinics, medical offices, and hospitals.

If you are covered through Medicaid:

While federal Medicaid funds can only cover abortion in the circumstances of rape, incest or if the patient’s life is in danger, there are over a dozen states that provide more comprehensive coverage for abortion using state Medicaid funds. To find out more on state funding of abortions under Medicaid visit this website

If you are covered through your employer, a plan offered through the Affordable Care Act Marketplaces, or elsewhere in the private market:

Coverage will vary by state, employer, and insurance company. In some states, private health insurance plans (including employer coverage) are required or allowed to cover abortion in either all or certain circumstances. Review your plan benefits document to find out whether your plan covers abortion. If you are using a plan where you are not the primary policy holder (for example if you are on a parent’s or spouse’s plan), be mindful that the policy holder may receive documentation from the plan known as an “Explanation of Benefits” that includes information about your care.

If you need help paying for an abortion, abortion funds may be able to provide financial assistance. Information about abortion funds and resources to help are available at AbortionFinder.org

If you need information on your state’s laws or legal help, you may consider this website: AbortionFinder.org

Your Right to Coverage of Other Preventive Health Services

Most employer health plans and health insurance plans must cover certain other preventive health services with no out-of-pocket costs because of the Affordable Care Act. Specifically, they are required to cover women’s preventive health services, including:

An annual well-woman visit to screen your health (which may be completed at a single visit or part of a series of visits over time) including a pap smear, breast exam and regular checkup

Certain counseling and screening services

Breast and cervical cancer screenings

Prenatal care, which is care you would receive while pregnant

Breastfeeding services and supplies

Interpersonal violence screening and counseling (e.g., sexual assault evidence collection exams)

HIV screening and sexually transmitted infection (STI) counseling

If You Do Not Have Health Insurance Coverage

Go to HealthCare.gov and see if you qualify for insurance coverage and financial assistance to make coverage more affordable.

Title X Family Planning Clinics provide a broad range of family planning services and provide preventive health services that benefit reproductive health, such as STI and HIV testing, HIV counseling, and HPV vaccines. Find a Title X Family Planning Clinic near you.

Health centers are community-based organizations that deliver high-quality primary health care services, regardless of your ability to pay. Find a health center near you.

The Ryan White HIV/AIDS Program provides medical care, medications, and essential support services to people with HIV. Find how to get HIV care and services through the Ryan White HIV/AIDS Program near you.

Civil Rights Complaints

The U.S. Department of Health and Human Services’ Office for Civil Rights (OCR) enforces federal civil rights laws that prohibit discrimination in health programs receiving federal financial assistance. If you believe that your or another person’s civil rights or health information privacy rights have been violated, you can file a complaint with HHS here.

Patient Privacy

Federal law prohibits health care providers, health insurance plans, and other entities subject to the HIPAA Privacy Rule from using or sharing your health information to investigate or impose liability on yourself or any person for the mere act of seeking, obtaining, providing, or facilitating lawful reproductive health care.2 To learn more click here.

Understand your rights to protect your private medical information under federal law. If you think your privacy has been violated, click here to learn how to file a complaint.

Guidance on Protecting the Privacy and Security of Your Health Information When Using Your Personal Cell Phone or Tablet may be found here.

Guidance on the HIPAA Privacy Rule and Disclosures of Information Relating to Reproductive Health Care may be found here.

Guidance on the Use of Online Tracking Technologies by HIPAA Covered Entities and Business Associates may be found here.

Department of Justice Resources

The U.S. Department of Justice is also working to protect access to reproductive health services under federal law. Visit the Justice Department's Reproductive Rights Task Force website for more information.

EMERGENCY CARE

Update on Emergency Medical Care

On June 27, the Supreme Court issued its order in Moyle v. United States, reinstating the protections of the Emergency Medical Treatment and Labor Act (EMTALA) for pregnant women experiencing emergency medical conditions in Idaho. On July 2, the Department of Health and Human Services sent a letter reminding hospitals and provider associations that it is a hospital’s legal duty to offer necessary stabilizing medical treatment, including abortion care (or transfer, if appropriate), to all patients in Medicare-participating hospitals who are found to have an emergency medical condition.1

The Biden-Harris Administration remains committed to protecting reproductive rights and maintains our long-standing position that women have the right to access the emergency medical care they need. Read statements from President Joe Biden, Attorney General Merrick Garland, Health and Human Services Secretary Xavier Becerra, and CMS Administrator Chiquita Brooks-LaSure.

Your Right to Emergency Medical Care

In light of the Supreme Court's decision to overturn Roe v. Wade, it's more important than ever that you know your rights on receiving emergency medical care.

The Emergency Medical Treatment and Labor Act (EMTALA) requires Medicare-participating hospital emergency departments to offer any person who requests it an appropriate medical screening examination within the capability of the hospital’s emergency department.

If the hospital determines that you have an emergency medical condition, federal law requires the hospital to offer you treatment until your emergency medical condition is stabilized, or an appropriate transfer to another hospital if you need it.

An emergency medical condition includes any medical condition manifesting itself by acute symptoms and that, in the absence of immediate medical attention, could reasonably be expected to place the person’s health in serious jeopardy. Emergency medical conditions involving pregnant patients may include, but are not limited to, ectopic pregnancy, complications of a pregnancy loss, or emergent hypertensive disorders, such as preeclampsia with severe features. In some instances, the treatment reasonably necessary to stabilize a pregnant woman’s emergency medical condition may be an abortion.

These federal rights preempt any directly conflicting state laws or mandates that apply to specific procedures.1

1 Please note: pursuant to the injunction in Texas v. Becerra, No. 5:22-CV-185-H (N.D. Tex.), HHS may not enforce the following interpretations contained in the July 11, 2022, CMS guidance (and the corresponding letter sent the same day by HHS Secretary Becerra): (1) the Guidance and Letter’s interpretation that Texas abortion laws are preempted by EMTALA; and (2) the Guidance and Letter’s interpretation of EMTALA — both as to when an abortion is required and EMTALA’s effect on state laws governing abortion — within the State of Texas or against the members of the American Association of Pro Life Obstetricians and Gynecologists (AAPLOG) and the Christian Medical and Dental Association (CMDA).

If you are a health care provider:

For frontline health care providers, EMTALA requires a hospital to provide stabilizing medical treatment to any pregnant patients presenting to the hospital with an emergency medical condition, regardless of any directly conflicting restrictions in the state where you practice.

This means that physicians and other qualified medical personnel are required by federal law to offer stabilizing medical treatment (or an appropriate transfer) to a patient who presents to the emergency department and is found to have an emergency medical condition. This requirement preempts any directly conflicting state law or mandate that might otherwise prohibit such treatment, such as state prohibitions or restrictions on abortions.

Stabilizing treatment could include medical and/or surgical interventions (such as abortion, removal of one or both fallopian tubes, anti-hypertensive therapy, or methotrexate therapy), irrespective of any directly conflicting state laws or mandates that apply to specific procedures.

Health care professionals and institutions with religious or conscience objections to providing abortions do not have to do so. To learn more click here.

If you are a patient:

If you present to the emergency department, you must be offered an appropriate medical screening examination to determine if you have an emergency medical condition. If you do, your health care providers in the emergency department are not permitted to wait until your emergency medical condition deteriorates before they provide stabilizing treatment.

The enforcement of EMTALA is a complaint driven process. If you or someone you know did not receive the emergency stabilizing medical care to which they were entitled, you can file an EMTALA complaint either by contacting your state’s survey agency or by using the Centers for Medicare & Medicaid Services webform.

To contact your state's survey agency, use the tool below.

To file a complaint with the Centers for Medicare & Medicaid Services click here.

Contact Info (Take into account I don't know if these still work)

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1-877-696-6775

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