elodieunderglass:

anamatics:

thevelvetdevil:

smallercomfort:

luchia13:

hey guys psa regarding hospital bills

don’t just pay it. do not automatically pay the hospital bill when you receive it. call your health insurance provider and POLITELY say, “excuse me, i just received a bill for $1200 for my hospital visit/ER visit/etc., is that the correct amount i’m supposed to pay?” because hospitals bill you before your health insurance and they will take your money no matter how the amount due may change based on your health insurance looking at it. 90% of the time, if your health insurance is in any way involved in the payment of that bill, you do not have to pay as much as the hospital is billing you for. call your health insurance provider first, and POLITELY request clarification, always remember that the person you are talking to is human and this is just their job, and then you will very likely find out you actually only owe $500.

don’t shout at anyone about it, don’t get mad, just understand that this is The Way Things Are right now and call your health insurance provider before paying the bill your hospital just sent you. there’s a chance the hospital bill might be correct, true, but call your health insurance provider.

THIS IS SUPER IMPORTANT. after my car accident last year the hospital billed me ~$8000. They sent me letters asking me to pay, and I called them back saying my insurance was processing the claim. This is also what I told the collection agency when they kept calling me about the $1000 emergency room fee (billed separately from the hospital fee, mind you). Once everything got straightened out, all I was actually liable for was my $200 emergency copay.

!!!!!!! things my ass didn’t know !!!!!!!!

Yes this is a life lesson my adulting ass didn’t know I needed and I’m out 80 bucks for an anti-nausea pill. 😒😒😒😒😒

Reblogging for American friends.

Also, it is important [for people receiving medical care in the USA] to carefully read all of the items on the medical bill and look for errors and overcharges. I know that the normal feelings of avoidance and dread can make it hard to look at scary hospital bills, and that’s okay! But as the OP mentions, private orgs like hospitals don’t monitor overpayment of bills - they are motivated to charge you extra - and it is basically impossible to get your money back. Read the bill carefully and make sure that the charges are correct, using the links below for help if you need. If they haven’t sent you an itemized list, you can ask for one. Sometimes you will be charged extra for items or treatment you didn’t receive. Most people don’t know that you can dispute medical bills! But in 2009, Consumer Reports stated that 8 out of 10 medical bills scrutinized by a watchdog had errors, and generally you are not obligated to pay for someone else’s error.

You may be charged for using medication that you actually brought into the hospital with you - that’s easy to dispute! You may be charged for the consumables used during your stay such as sheets, gloves, gowns, etc - the hospital should actually cover that under its running budget. You may be charged for a brand name drug if the generic was available for cheaper - the links below explain how and when you can dispute this. You may be charged a surprisingly expensive “oral administration fee” (where a nurse puts pills for you to take in a little clean paper cup and then hands it to you) but that’s worth disputing if you were actually able to take the pill out of a bottle and put it in your own mouth. And so on.

8 Things You Should Know About Challenging a Medical Bill (FORBES) (includes links to sites that help you calculate how much a procedure/treatment usually costs in your area, if the costs seem super high)

7 Tips for Fighting and Paying A Huge Medical Bill (FORBES) This explains briefly how to negotiate costs, and payment plans.

10 Common Medical Billing Overcharges You Can Prevent (Bill Advocates) A breakdown of errors and overcharges to double check.

Check medical bills for errors: Overcharges are fairly common, and correcting them can save you thousands of dollars (Consumer Reports) More of the same with links to some groups.

onlinecounsellingcollege:

1. Don’t take yourself too seriously. Learn to laugh at your mistakes.

2. Life is too short it to waste it on resentments, bitterness or grudges you’re holding against others.

3. You don’t have to win every argument and fight. Sometimes it’s OK to just agree to disagree.

4. Make peace with your past - then let it go, and move on.

5. Choose to go after what brings you happiness.

6. Don’t compare yourself to others.

7. It doesn’t really matter what others think about you – just live your own life and be true to who you are.

8. Life isn’t always fair – but sometimes good things happen, too!

9. Ignore your feelings – and keep taking the next step.

10. Ask for what you want.

11. Don’t suffer in silence – reach out for support.

12. Everything changes.

13. Be willing to experiment and try something new.

14. The most important thing is to love and be loved.

15. Believe that the best is yet to come.

geekandmisandry:

d6-da-maniac:

clairethehuntress:

soul-angelos:

wear-it-like-armour-bastard:

testxsterone:

hollowedskin:

raphaelsdumort:

sarsbabe77:

animatedamerican:

inquisitivespirit:

protectnevillelongbottom:

littlepumpkinprincess:

fiercefatfeminist:

fiercefatfeminist:

It is our duty as feminists to protect and respect women in Hijabs

Now. More. Than. Ever.

Question: if I see someone pull off a Hijab, what should I do? I know there are reasons they are worn so I want to if i should stand in between them and who did this, should i protect them from view somehow, or something else? This has been happening a lot so I feel it’s something everyone needs to know.

Good question! I cannot correctly and effectively answer, as I am a white, non-Muslim person; however, I will reblog in case any of my followers can answer. 

I asked my Hijabi friend, so here’s one Hijabi’s answer: 

“my opinion is, definitely try cover them or give them something to cover themselves with. And perhaps shoo off the person, without putting oneself in danger! God forbid, if that happened to me, I would like someone to come and comfort me and give me something to cover my hair with and then help me report it to the cops “

(Followers, if any of you are hijabi and would like to expand on this answer or offer alternatives, please do.)

If u see it happen to 1 of us, pls cover our head + hair with a coat or shawl or any piece of cloth, while hugging us in comfort. Please don’t get hurt by lashing out @ the perpetrators in any way, coz if they dare to do that, they’re probably too far gone in their own hatred to listen to any reason. Much love + Thank You to anyone who supports us.

yes !! everything said here is important af. if you see someone pull off a girl’s hijab immediately cover her hair and provide comfort. don’t talk to the perpetrator but try to get the woman out of there if you can. maybe if you have a scarf on you at the time give it to her so she can wear it until she’s alone and can replace her hijab. please please protect muslim girls because we already had it hard before donald trump became president and now its gonna be worse with people going around thinking their violence and cruelty is justified 

for my other white ppl who might have a hard time, it’s my understanding that a hijab is like a major item of clothing, not an accessory like a hat or a scarf.
so think abt it more like if someone just ripped someone’s shirt or skirt off. u don’t want to be left there exposed or have to walk home without it.

everyone, even outside America needs to protect our Muslim sisters in these times.

as a man, what would be the best thing to do? should i turn my head and avoid looking at their hair? can i still offer a jacket or something similar?

^I’m hoping someone has an answer islamaphpbia is on the rise in my town and I want to be a good male non Muslim ally

For men, yes please, we would prefer it if you avoided looking at our hair, and if we don’t have something to substitute as a hijab at that moment, anything you could lend us, a jacket, etc, would be very appreciated.

Also, since most girls avoid physical contact with men they’re not related to, please do not hug them, but rather shoo the offender away if you can, or at least escort the girl to a safe place. You can still offer words of encouragement and support. Furthermore, understand that the victim may not be very welcoming towards you because she’ll obviously be shaken, and won’t know where you are coming from. If that’s the case, please still give her something to cover herself (hijab is very important, think of it as someone ripping your shirt off) and stand some distance away until you are sure she’s in safe hands.

Thank you so much for your support, we really appreciate it, god bless all of you.

In the horrible climate we’re currently in, please take note of this.

Reblogging this again for the guy-instructions

Same