UP FOR DEBATE

Soooooo….day care dropped ZGirl on her head.

For those of you who didn’t know that yet, I’ll provide details about it later (she’s fine but did end up with a nice shiner to match my avatar). Instead I want to ask your opinion about who should pay.

Well, besides ZGirl, who paid with seemingly endless tears and screams, the swelling of her eye to less than 50%, the abrasion from the carpet or the goose-egg on her head. Or of course, myself, who when she received the news via a phone call from the day care director, had the blood first drain from my head and then rush back up to it in fear and anger.

I’m talking money here.

I used to deal exclusively with no-fault insurance situations through my employer. I understand that most home-owners and almost all business carry it and why. However, I have decided to have the charges related to the ER visit (they charged us a level 5. I should be impressed since that’s usually for patients who have coded, lost a limb or need to be strapped to the bed with ankle and wrist cuffs), which will include a CT scan, sent to my own health insurance. I will then send the copay and/or deductible to the no-fault insurance at the daycare.

I made the mistake of mentioning this to someone who thought that since my employer pays for my health insurance (a portion. Not a majority, either), that I should send it to the no-risk first.

My reason to submit it the way I just mentioned is that I’ve seen similar instances where the no-risk is sent a claim, they pay, but the benefits get maxed (don’t forget I will have more than just an ER visit, but the ER physician and radiology physician to pay), and a balance is billed to the private insurance, who then apply the copay and/or deduc, leaving the poor policy owner/injured still having to pay out of pocket.

Some technical stuff to know: my health insurance is not Medicaid or Medicare which WOULD require by federal law for me to go through the no-risk insurance first.

What would YOU do? Yes, I really am interested in your opinion either way since nothing has been done yet.

(Tidbit of no purpose whatsoever:  did you know that there’s are codes for fall from commode, fall from other furniture, fall from wheelchair and even one for fall from cliff. A CLIFF! I’m not sure why that struck me as bizarre.)

SNOW

To get the snow on your blog (wordpress, only),  here’s what you do:

  • Login to your wordpress blog
  • Go to Dashboard
  • Go to Appearance
  • Go to Extras
  • Check box for the snow
  • Save

Ta-da! Snow.

FLOCKING FAB

I decided to take my hiatus at precisely the same time I was tagged (she used “awarded” to make me think I was special or something). I swear, it was purely coincidental.

Two reasons I am doing this now:

  1. Jess is my alter-ego: sexy, strong, and has a take-it-or-leave-it attitude, and I want her to like me.
  2. The badge!

award-boot-fucfab

I’m now supposed to list 5 Addictions. The award does come with strings attached, dammit.

  1. Chocolate
  2. Blogging
  3. The sound of XBoy’s laughter
  4. The smell of ZGirl after a bath
  5. Sleep

There are some other rules as well, but seriously, it’s a meme. Whatchya going to do? Call the blogging police and take away my birthday? Pfft.