#fucking insurance companies

[brightlotusmoon]

Friend on FB who has cerebral palsy:

"I was telling a friend today about the time years ago that an insurance company wouldn't let me get a standing chair. Some of you may know it, but just in case the rest of you needed a lolsob.

Basically right before I went to college, I, my family, and my medical team decided it might be good if I could get a power chair with a standing function, so that I could have things like increased circulation, decreased risk of pressure sores or muscle wasting, ability to stretch etc, all without he need for human intervention (especially as a busy student without access to human help round-the clock.

I kid you not, the insurance denied the standing feature because, quote, "standing is a luxury."

A comment:

"Ok so putting on my OT hat for a moment, kindly WHAT THE HELL. There were studies out 10 years ago showing the ridiculously high level of benefits of standing for people with a wide variety of medical situations. (That’s what started the goddamned standing desk craze)

THAT IS LITERALLY NOT EVIDENCE BASED. AND these blasted insurance companies want “evidence based treatment” but it can’t be too expensive of course.

*FLIPS ALL THE TABLES*

-

[astercontrol]

omg this is a cursed fanfic idea

Premise:

Before MCP captured him, Ram was an actuary program for an insurance company. But that means he's got some features that can't really be used much on the Game Grid, right?

Taking a page from "Overcharged" : let's say, like in that fanfic, his actuarial subroutines still get supplied with power but never get used-- causing energy buildup to painful levels, until he needs to relieve it by getting circuit-stimulated to the point of overload and reboot.

A thought experiment, here:

Is circuit-stimulation the only way to bleed off that energy?

or could he also get relief through the actuarial subroutines themselves?

"just let the nerd do math when he wants to!" seems like an obvious solution

But would that work only as a preventive measure to stop energy buildup from happening?

Or could it be used as a release valve once he's already gotten all overcharged?

My instinct says the latter is possible... but it would go slower. Torturously, edgingly slower.

Which leads me to the premise of the weirdest kink idea I've ever thought up:

...

Could an adventurous dom keep Ram restrained until he was going crazy with energy buildup... and then make him do their taxes til he gets off on it?

Or, better yet, their insurance?

...

A taste of the absolute batshit crackfic idea I'm thinking of:

...

"I'm not going to deny you release, Ram. You'll get it. I'll make you discharge all that pent-up actuarial energy, don't worry. But not all at once, program. Yes, you will get to have that good feeling that you get from helping folks plan for their future needs. But you will get it one drop at a time, one tiny step of progress at a time, while you get passed around from the pharmacy to the doctor's office to the insurance company to the damn pharmacy again, until you get that motherfucking prior authorization to go through...."

"ah... ahh... Is this... nnngh... is this 'cause I told you I deserve to be punished? For the whole working-for-an-insurance-company thing?"

"It's because I need you to do this, Ram. Don't make me start thinking about real punishment. But don't think I'm not gonna enjoy it-- watching you on the phone with fucking Healthpartners, trying not to moan and beg."

"aaah... I'll do whatever you ask, User, please..."

...

(...as a pharmacy technician in my sad off-Grid life, I guess fanfic can be more than one kind of outlet...)

[consider-your-potatoes-mashed]

Who the FUCK decided that insurance companies get to decide what’s medically necessary????????

[senselessalchemist]

Bow problems (+ other nonsense)

[hijinxinprogress]

Civilian Gothamites realizing they can get vengeance through Sword!Robin

Gothamites figuring out if they happen to mention a rogue treating animals poorly within hearing range of sword!Robin that rogue will be in custody with at least four fractures and a concussion and Damian being completely aware that like 63% of these people are lying but it’s the only way he can get experience with the nonlethal takedowns he’s experimenting with bc everyone keeps complaining about how he treats his opponents and allies 

Like he’s guiding a civilian to safety and they mention that “this would be the worst thing to happen to me today if riddler didn’t stab my fucking cat” and this civilian does not own a cat but they did own a car that was just paid off but riddler fucking crushed it with a stupid ass hot air balloon that’s shaped like a fucking question mark and Damian is aware of this bc he was the one that verified the insurance claim (but he’s been looking for a reason to punch Nygma in the throat since his last Arkham escape when he called Damian a moron)

And he also knows that if he plays along with it and says ‘as if I’d let that gaudy and tactless imbecile get away with committing such atrocities’ when prompted that he’ll get away with barely a slap on the wrist like he gets three half hearted but long lectures he’s not going to listen to and an online sensitivity training seminar he goads Tim into completing (Damian and Tim 100% try to trick each other into doing work they don’t want to do and full heartedly believe the other has no idea what they’re doing)

Bruce’s tendency for finding small crashouts at risk of becoming future rogues in Gotham and deciding they need love & supervision but what actually happens bc he’s so fucking awkward is they get almost the same amount of supervision just with like an hour of intense helicopter parenting a week but honestly besides that they just have more money and resources to do fuck shit

Tim 🤝🏾 Damian: using the manipulation tactics they learned from their mothers then later improved on with help from an assassin cult and bat/cape interrogation questioning techniques on the homies

[somecunttookmyurl]

insurance makes sense on a conceptual level but in reality insurance companies turn decently huge profits by a) relying on things not happening, which they mostly don't b) ensuring things mostly don't happen by exluding anything that might make "things happening" more likely and stacking it in their favour and then c) finding any excuse and loophole possible to not cover you if anything ever does happen

like. insurance would be good if it wasn't managed by insurance companies

[thesaltyoncologist]

I hate whatever asshole first decided that complex patient interactions can and should be shoved into 15 minute appointments.

[rainedropsart]

The milf of all time

[the-raven-lady]

minor life update, major news

I know a few of you know and a lot of you don't, but I've been fighting with workers comp for an entire year now to get an MRI done on my neck and upper back due to an overuse injury I obtained from lifting so much.

I have permanent nerve damage in my back. It causes me a lot of pain to sit for long periods of time as the unique burning and electricity of nervous pain starts before the muscles lock up, often accompanied by the ring and pinky fingers of my left hand going numb. I have days where I am entirely bedridden.

I have had my MRI denied five times.

Today, 08/01/2024, I received a letter in the mail stating that they have overturned that denial and I am finally getting what I fought so hard for.

It may or may not tell me what is actually going on in my neck and back, but I have put so much blood, sweat, and tears into this.

I finally won.

[amartianonmars]

aquarium field trip!

[guiltyidealist]

It should be a criminal offense if an insurance company is responsible for a delay in a policyholder's necessary health care.

Withholding prescribed treatments, even for just a day, can be anywhere from inconvenient to catastrophic for the victim. Medical providers may not withhold necessary treatment from any patient on any grounds, as it is their duty to provide it-- it should be justly illegal for any "middle man" to interfere with a medical provider's legal and ethical obligation to treat a patient.

Severity of the charge and its legal consequences should depend upon the scope of the offense (length of delay) and its consequences to the victim (impact on the person).

The testimonies of the victim, the pharmacy, and the medical provider who prescribed the treatment should be key considerations for the determination. Additional important testimony should come from the victim's other medical providers, housemates, family, educators/mentors, colleagues/coworkers, or employers.

The charge should become criminal record for the company. The company (perhaps the agent's office) should be fined per day delayed.

Some taxation can be applied; just to pay off the folks who do the filing, advocacy, testimony, processing. A hefty majority of the fine should be compensation owed to the victim.

If delays became a criminal charge on companies' records, then companies would have a strong motive to terminate agents who aren't performing with punctuality. It would become their best financial interest to invest only in timely agents who would, in turn, gain a best interest to invest only in timely subordinates.

I posit that insurance delays would wane significantly, resulting in more timely delivery of treatments to policyholders, and many people's qualities of life would improve drastically for it.

[habeascorpseus]

im going to commit a felony

[yardsards]

living in america is literally just like. yeah i could probably benefit from inpatient mental health services but honestly the resulting medical bills would just make me want to kill myself even more

[genderfluidgothwitch]

For those who are unsure of whether or not they really have the "sensitivity to cold" symptom of fibromyalgia, because you think that it's just you not being able to handle colder temperatures like other people, that's one way of putting it. The other way is, when it's winter and the temperatures start dropping, do you feel your pain more intensely? Do you feel like you have more problems with your joints? Is your partner always commenting how cold your fingers and toes are, but it somehow gets more frequent in winter? Those are other ways to consider being sensitive to the cold.

[chthonicillness]

why am i always so worried about doing things right and not fucking them up and inconveniencing everyone to the point it fucking paralyzes me when virtually everybody i ever have to interact with is constantly doing everything wrong and fucked up and inconveniencing ME

[hijinxinprogress]

Coffee addict Never sleeps Tim drake ❌ 

Solving cases in his sleep off 87 energy drinks Tim Drake ✅

The coffee addict never sleeps perpetually tired Tim Drake thing is a widely accepted headcanon however that was elementary school tim but after he stayed up for a week straight subsisting entirely on coffee to decipher the bat weekly patrol schedule and how it aligns with rogue attacks/Arkham breakouts, he crashed then when he woke up it was fucking wednesday so he missed his chance to commemorate his discovery with pictures of Robin and he decided that shit would never happen again and made himself an ‘efficient’ sleep schedule so he could run around doing fuck shit, add to his robin shrine, and stay on honor roll bc he was even more pissed to see the gotham gazette had pictures of Robin with an on site interview credited to Vicki Vale (listen bowl cut tim had a one sided beef with vicki vale that included tim judging who gets better pics of the bats but she isn’t even aware that she’s competing with a whole ass child 😭 he’s sitting at the table with a mug of orange juice and looks at the newspaper snorts and goes ‘fucking amateur I could do better’) 

Regularly unsupervised tiny businessman in training Tim ‘Ten hours of uninterrupted sleep?? That’s so inefficient not to mention fucking stupid’ Drake is so pissed he missed getting shots of Robin dropkicking a rogue from 6 six stories up (for absolutely no reason dick just thinks it’s fun) that he just takes at least 3 hour naps every eight hours 😭 he refuses to spend almost half a day sleeping ‘for no reason when he could be doing something productive’ 

And he still does this as a bat but it’s just easier to tell if he didn’t take his nap bc he has less than zero impulse control and he’s just fucking done with everything like the gcpd is terrified bc tim’s saying shit like ‘This guys a fucking moron, I could’ve done this in half the time without killing anyone fucking loser doesn’t he know if you keep them alive you can prolong the torture?’ and ‘you’re like all hysterical and for what 🤨 ‘you blew up 83% of Bristol waah’ stfu and fucking rebuild it?? It’s only rich mfs that live there, it’s just a matter of them opening their fucking wallets’ once a new recruit made the mistake of asking if robin had adult supervision regularly and Tim responded with ‘well if you’re gonna snitch to cps like a little bitch then yeah’ and that cop did snitch so tim fucking doxxed him

Yj has just accepted that sometimes they will find tim in an air vent, on the roof, in one of their closets, or something just fucking knocked out then an alarm will go off and he’ll just get up like nothing happened but for the first couple of months they were probably concerned bc ‘I’ve never seen you sleep?? wtf are you on man’ and Tim’s confused bc ‘I slept next to you this morning wdym??’ and that’s how yj discovers tim sleeps with his eyes open

But one of the worst things about Tim’s ‘time efficient sleep schedule’ nonsense is that it fucking works he’s one of the most well rested and coherent bats even after back to back Arkham breakouts however the absolute worst thing about his sleep schedule is the likelihood of going into the cave and seeing tim staring in a daze but wide eyed yet somehow never blinking at the batcomputer with 57 tabs open on top of being unresponsive and thinking he has a fucking concussion or he’s been replaced but he’s just doing case work while muttering nonsense in his fucking sleep for some reason