wintermoth: aquadraco20: pyroteknich: mycatisabunny: I feel like I should make a post about this…

Wednesday, November 6th, 2019





I feel like I should make a post about this because it’s not something that’s very well-known, and that Americans in particular may need to know about given the uncertain state of our healthcare system at the moment. I’ve wanted to write this out for a while, It’s kind of a long post, so sorry about that!

If you have an emergency and have to go to the hospital, you’ll owe the hospital a lot of money.
(I got into a car wreck and broke my ankle and my arm. My hospital bill was around $20,000)

You’ll also owe the ambulance provider, if you need one.
(My ambulance bill was about $800)

You may get separate bills from the anesthesiologist or surgeon.
(My anesthesiologist bill was $1,700)

You may need follow-up appointments.
(My orthopedic surgeon billed me for the appointments and his surgery together and it was about $1,000)

You’ve also got to pay for medical equipment you need afterward, like crutches or a walking boot.
(Mine cost about $75)

Altogether, I ended up with almost $24,000 in medical debt from one car accident. That’s a really scary number for someone like me who makes $10/hr at a 12 hour a week job.

I got my debt down to $1075 by making some phone calls and submitting some paperwork.

The first thing I did was contact the hospital. They don’t make it easy to find, but many hospitals (perhaps most hospitals?) have financial assistance programs for people who can’t afford medical bills. I don’t make a lot of money, and I have bills to pay, so they were able to help me.
I called the billing department and asked if they had any assistance programs for low income people who can’t pay their bills. I had to call multiple times, and I got transferred in circles by people who didn’t know what I was talking about. Finally, I got an appointment with someone in “Eligibility Services” (I don’t know what other hospitals call it, if it’s something different). I had to bring my pay stubs and copies of all of my bills. When I got to the hospital for the appointment, nobody knew what I was talking about so I had to wander a little to find where I needed to go. I spoke with the guy in Eligibility Services, and I waited for a decision on how much of the bill they would forgive. A month later, I got a call telling me it was totally forgiven.

I did the same thing for my ambulance bill and my anesthesiologist, but the process was a LOT easier. I just had to mail some paperwork and it was totally forgiven.

I didn’t bother with the medical equipment suppliers, since the bills came from separate companies and I didn’t feel like going through the process twice for $75. I was assured at the hospital that they had similar programs for debt forgiveness, so I could have probably avoided paying that too.

The only thing I couldn’t get taken care of was the surgeon/follow-up appointment cost, but they were able to put me on a no-interest payment plan.

Medical debt is scary because it’s something that can come from stuff that’s already really scary. I didn’t need the burden of $24,000 in debt on top of trying to get around on a crutch with a broken arm (it’s not easy, believe me!).. but I can’t imagine what it would be like with a bigger debt or a more severe medical emergency.
I see lots of people in even worse trouble than I was in, both financially and medically. Please know that there are options for you when that GoFundMe doesn’t do enough. Even if your income is higher than mine, it’s worth a shot even for partial debt forgiveness.

I am about 900% sure there are people who don`the know this. 


I had to do this once as well and I can ABSOLUTELY confirm that this is true.

Get in contact with the hospital. Don’t just…sit there and let the anxiety grow and panic and then ignore it in an effort to find peace.

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Wednesday, July 17th, 2019


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dendroica:Summer Azure, Celastrina neglecta (by me)

Thursday, September 20th, 2018


Summer Azure, Celastrina neglecta (by me)

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mr-flibble-says: postsfromthemrs: sosuperawesome: Moth and…

Friday, April 13th, 2018




Moth and Butterfly Fibre Sculptures, by Yumi Okita on Etsy

See our ‘sculpture’ tag

I used to be scared of moths but I’ve seen the error of my ways now. I would like at least one of each please.


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lazyjacks: Gloriana, 23 June 1891Detroit Publishing Company…

Monday, January 29th, 2018


Gloriana, 23 June 1891
Detroit Publishing Company photograph collection
Library of Congress Prints and Photographs Division

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Tuesday, January 23rd, 2018

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Friday, December 8th, 2017

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humanoidhistory:20 YEARS AGO TODAY: Comet Hale–Bopp made its…

Monday, April 3rd, 2017


20 YEARS AGO TODAY: Comet Hale–Bopp made its closest approach to Earth on March 22, 1997, passing within about 122 million miles. (NASA: 1, 2)

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we-are-star-stuff: Herd immunity is the idea that if enough…

Saturday, March 4th, 2017


Herd immunity is the idea that if enough people get immunized against a disease, they’ll create protection for even those who aren’t vaccinated. This is important to protect those who can’t get vaccinated, like immunocompromised children. 

You can see in the image how low levels of vaccination lead to everyone getting infected. Medium levels slow down the progression of the illness, but they don’t offer robust protection to the unvaccinated. But once you read a high enough level of vaccination, the disease gets effectively road-blocked. It can’t spread fast enough because it encounters too many vaccinated individuals, and so the majority of the population (even the unvaccinated people) are protected.

Find out more here.

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thefilmstage: “If you listen, you learn; if you talk, you…

Friday, January 27th, 2017


“If you listen, you learn; if you talk, you don’t.”

R.I.P. John Hurt, who has passed away at the age of 77.

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Monday, January 9th, 2017

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the-movemnt: George Takei op-ed recalls Japanese internment in…

Saturday, November 19th, 2016


George Takei op-ed recalls Japanese internment in wake of Trump’s Muslim registry proposal

follow @the-movemnt

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shipwreckedcomedy: Shipwrecked Comedy and American Black Market…

Monday, October 3rd, 2016


Shipwrecked Comedy and American Black Market proudly present: Chapter Seven of Edgar Allan Poe’s Murder Mystery Dinner Party – “Mesmeric Revelation”

It’s beginning to look like this is not the kind of night Edgar Allan Poe had planned.

Written and Created by Sean Persaud & Sinéad Persaud

Featuring: Sean Persaud, Sinéad Persaud, Mary Kate Wiles, Sarah Grace Hart, Jessica Jade Andres, Ashley Clements, Tom DeTrinis, Joey Richter, & Blake Silver

Directed by: William J. Stribling

This episode’s transmedia prompt is: Eulogy.  Let your imagination run wild! If you would like to participate, you have until Saturday October 8th at 11:59 pm PDT to get in your entries, and Sunday October 9th each member of Shipwrecked will pick an entry to be featured and reblogged here on Shipwrecked’s official tumblr. Entries of all types are encouraged–fan fic, fan art, crafts, playlists, whatever our prompt inspires you to create! Be sure and tag your entries poe party ftw to be considered.

                 Twitter | Tumblr | Instagram | Facebook | YouTube | Merch

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refinery29: Donald Trump, a man who has never been elected to…

Tuesday, September 27th, 2016


Donald Trump, a man who has never been elected to any public office, just tried to describe the Presidency to Hillary Clinton, the most over qualified candidate in the history of our country.

Gifs: NBC News

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I begin to detect a pattern…

Friday, June 10th, 2016

I begin to detect a pattern…

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lizclimo: rest in peace

Thursday, April 21st, 2016


rest in peace 

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theraptorcage: Thick-billed Raven

Saturday, April 9th, 2016


Thick-billed Raven

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extinction-illustrated: New sketchbook!I’ve been so busy I…

Sunday, March 13th, 2016


New sketchbook!

I’ve been so busy I haven’t scanned or posted any sketches for over a week, so the backlog will be staggered over the next few days.

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With Senate’s approval, S.D. could be first to pass transgender bathroom bill

Tuesday, February 16th, 2016

With Senate’s approval, S.D. could be first to pass transgender bathroom bill:


This is so embarrassing. Why does my home state only ever make the news when it’s doing something discriminatory and shameful? Growing up with a liberal mindset in a place as conservative as South Dakota was exceedingly challenging – in school, I felt surrounded by hatred and hostility for the unfamiliar and unknown. I can’t fathom the sort of fear my classmates who struggled with gender identity or sexual orientation must have harbored. This is a sad perpetuation, a wrongful confirmation to fearful people that their perverse interest in what’s going on under someone’s clothes is any business at all of theirs.

South Dakota is a beautiful state with a rich and complicated history, but it’s difficult to speak kindly of it as a whole when it regurgitates such a lack of compassion under the guise of protection. 

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Casting Doubt with Paula Rhodes……is hilarious and…

Friday, February 12th, 2016

Casting Doubt with Paula Rhodes…

…is hilarious and depressing at the same time.

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