Showing posts with label health insurance. Show all posts
Showing posts with label health insurance. Show all posts

Monday, January 4, 2021

Day 4029

Good grief. My watch dialed 911 in my sleep last night. That was a surprise. I woke up to this voice saying "This is Dallas 911, can we help you." What? It took me a moment to realize what was going on, but when I noticed that the voice was coming from my watch, I knew. I spoke into the watch and told the lady that I was sorry, but the call was a mistake. "That's OK," the dispatcher said and hung up. How did this happen? I didn't even know that my watch had this capability. I definitely didn't want this to happen again, so I took the watch off and put it in the office before I went back to bed.

This morning I opened up the Apple Watch app on my phone and looked carefully at all the settings. Sure enough, there was an SOS setting that would summon an emergency response if you fell and didn't immediately press the "I'm OK" button on the watch face. You could also place an emergency call if you held down the flat side button on the side of the watch for a certain length of time. Maybe this button got pressed in my sleep. I certainly didn't fall, although this watch has done strange things before. I disabled the SOS function because I didn't want to wake up later this week with an ambulance in the driveway and EMT technicians knocking on my door. I guess it's a good thing that your watch can call 911 in an emergency, but I wouldn't call having a dream much of an emergency. It wouldn't take long to get classified as a nuisance caller if your watch did this very often. Nice idea Apple, but I don't think this feature is quite ready for prime time.

The watch incident reminded me that I still had a free offer to upgrade to Fitbit Premium. My health insurance provider recently added Fitbit integration to it's gym membership program. The letter that explained the offer had been sitting on my desk for weeks, but I'd never bothered to follow the instructions for the Fitbit upgrade. Fitbit Premium seems harmless enough. I like tracking fitness stats and I don't think there is any way that my Fitbit will call 911 in my sleep. The Fitbit upgrade is probably like that sensor that monitors our electric wiring. A year from now I'll probably regret signing up for both services.

I tried to call the dehumidifier manufacturer and ask some questions about the strange behavior of the replacement unit I received. The company still seems to be closed for the holidays. Nobody answered my call or the e-mail I subsequently sent. Something is clearly wrong with the replacement dehumidifier. I still think they sent me a refurbished unit instead of a new machine.

Since it's Monday, Janet and I went up to visit the kennel Dalmatians this afternoon. The kennel was quiet and most of the holiday boarding dogs were gone. There are currently three Dalmatians at the kennel and I think a fourth might be coming next week. I still need to take pictures of Cooper, but since he is still dealing with a few health issues, he is not ready for adoption yet. I'll take my camera when we visit next week. There might be two dogs to photograph.

When we walked Dawn this morning, she only walked one mile, just like yesterday. We wondered if she'd like to try another walk when we returned from the Dalmatian kennel. She seemed enthusiastic, but froze again after she had traveled one mile. One mile seems to be her limit these days. Nothing is wrong with Dawn. As soon as she sees that we have turned around and are headed home, she resumes walking briskly toward the house. Instead of training Dawn, I think she is training us.

I'm curious when Janet and I will get the vaccine. Several people I know have already been vaccinated. Since we are older and in a high priority group, I don't imagine that the wait will be all that long. I'll take the vaccine, but I'm in no hurry. I'd like to see if the people ahead of me in line have any serious side effects. Will life return to normal when Janet and I have been vaccinated? Somehow, I doubt it.

Hunter is today's Dalmatian of the Day


Watch of the Day


Tuesday, March 26, 2019

Day 3379

I learn something new everyday. I've been getting letters from my insurance provider urging me to switch to one of their 'preferred pharmacies' so I could save more on my prescription co-pays. I've been reluctant to switch, since I've been going to this pharmacy forever and I like the people there. Today I decided to see how much I would save if I switched. Would you believe nothing. Absolutely nothing. Insurance hasn't even been paying for my prescriptions since the retail price for these generic drugs is less than the co-pay. Evidently, if the retail price is less than the co-pay, you just pay the retail price and insurance pays nothing. All this time I've been thinking that my prescriptions were a lot more expensive than they actually were. I thought I was getting a bargain, but I was just paying retail.

So why do I even have Part-D coverage if the insurance is paying nothing? I guess the answer is pretty simple. It's insurance. When I was being treated for Hepatitis C, one of the drugs I was taking was horrendously expensive. A lot of cancer drugs are extremely expensive as well. As I was told today, you don't have Part-D coverage to pay for common Tier-1 medications. You have it so you don't get wiped out if your doctor prescribes some life saving but hugely expensive drug. Fair enough. I just never realized that I'd been paying retail for my pills. I guess I could save a little by switching to a mail order pharmacy, but it isn't worth the trouble. I'll just leave things alone.

My taxes are ready to submit. I was still confused why I owed more than I did during my peak earning years, so I called my accountant again. I'd glad he's a patient guy. To make a long story short, social security payments, plus required IRA distributions, plus the art sales and the fact that I had nothing withheld this year put me in a higher bracket than I was before. "You're doing OK," the accountant told me. "Then why do I feel so poor," I asked?

Dash continues to seem a little stronger on his walks while simultaneously appearing a little weaker around the house. I would think he'd be stronger around the house but tire quickly on walks, but the opposite is happening. I'm just glad that he's still interested in something. Dash still seems to love his daily walks. Unfortunately, he doesn't seem to love the special food we've been cooking for him anymore. Why? This special stew is so good that I could eat it myself. Dash has gone back to preferring dog food though. Go figure.

My dentist called today to remind me of an upcoming appointment. I need to remember to ask him if I need a new Essix retainer. My old retainer broke in half a few months ago, so it is basically worthless. I'm hoping that the dentist will say I don't need the retainer anymore, but I imagine he'll recommend fitting me for a new one. Dentists never recommend less dental care. Maybe I do need the retainer. My teeth seem to be shifting a little. I wonder if old people ever need orthodontia? I'd feel weird wearing braces at my age.

I'm hoping that Dash will let me sleep tonight. We didn't do so well last night. I'm probably doomed to feeling perpetually tired.

Bubba is today's Dalmatian of the Day
Watch of the Day

Monday, November 20, 2017

Day 2888

I got another jury summons today. When I tried to postpone the summons again, I was informed that I'd used up all my postponements and would have to serve. I've noticed that every time I postponed the summons I would receive a lower juror number the next time. Unless I get kicked out during the Voir Dire Process, I'm almost certain to sit on a jury. Oh, well. This is probably the last time I'll ever get called. As soon as I turn seventy, I'm going to request a permanent exemption.

The whole judicial system seems weird to me. If you've ever been questioned during Voir Dire, it quickly becomes obvious that the lawyers from both sides are trying their best to pack the jury with people who are sympathetic to their case. Jury selection seems to be a lot more about winning than about fairness. Even if you're selected to sit on a jury, there's a good chance that the lawyers will reach a plea deal before you ever enter the courtroom. Judges love plea deals because it saves them a lot of time.

I've heard that in China they are already experimenting with robot judges. People tend to like the robots because they seem to be more lenient than human judges. If robot judges work, maybe we ought to try robot juries too. When I'm out and about and take a good look at who my peers actually are, I think I'd trust a robot more.

My new doctor want me to go in for a Calcium Score Screening to check for plaque in my arteries. Even though this test is very effective, it is seldom covered by insurance. As a result, numerous services have sprung up that offer low cost CAT scans. My scan will cost $79. Sounds fair to me. You just pay cash and the test isn't billed to your insurance plan at all. $79 is a small fraction of what imaging labs usually charge for a CAT scan or MRI. When I've had scans before, my insurance was billed between $500 and $4000 dollars. This is why health care is so expensive. It's not the doctors or the government that makes health care expensive. It's the insurance companies. A lot of times I wish health care was more like taking care of your dog. You pay cash for everything at the vet, but prices are much more reasonable. Dot and Dash have both gone through some very complex surgeries. The surgeons were excellent and the facilities were as up-to-date as anything you'd find in a human hospital. The only difference was the price. The prices for veterinary medicine are fair because the customer actually pays the bill. When insurance companies get involved, prices go through the roof.

My package is still lost. It was supposed to arrive today, but of course it didn't. This might be the last time I order online and and select the option to pick up my order at the store. When you order this way, the store doesn't need to provide tracking. Your order just gets put on the truck with all the other inventory being shipped to the store. There doesn't seem to be any particular hurry. I'm sure I'll get my order eventually, but nobody seems to know when. It's just "in the system" somewhere.

I have my first meeting on the new website project tomorrow. I'll try to keep an open mind. I did a little research on the Wordpress template I'm supposed to use and discovered that it's basically just like every other Wordpress template. I still don't understand why people like Wordpress. It's not rocket science, so I guess I can live with the situation. Anyone who can hand code a site can definitely fill in the blanks on a Wordpress template.

I talked to people today and made decisions. I think I prefer the days when nothing happens.

Puppies are today's Dalmatians of the Day
Watch of the Day

Tuesday, August 15, 2017

Day 2791

I got my car safety inspected today. I called to see if I needed an appointment and my service guy said to come on up because they weren't very busy. I shouldn't have believed him. Instead of taking a few minutes as promised, the inspection kept me at the dealership for over two hours. I used to enjoy wasting time at the dealership. I would look at all the new cars and try to imagine what I'd be driving next. Now, looking at cars is depressing. The ones I like are all ridiculously expensive.

The dealership always asks me if I'd like them to wash my car while it's there. I usually tell them to go ahead because it's free and it saves me the trouble. Typically, the maintenance on my car takes so long that I get impatient and ask them to cancel the car wash so I can get back home a little sooner. That's what happened today. I knew that Dash was waiting for his dinner, but it's a shame I didn't have more time. The car was pretty dirty.

I got a reply from the roofer today. He told me that he didn't have time to send a crew to patch the defective spots this time, but that he would drop off a can of the elastomer coating and I could make the repairs myself. This seemed kind of rude, but I wasn't completely surprised. The roofer has made many trips to my house already. I think he's probably trying to cut his losses. It's too bad that so few flat roofs come with the kind of warranty you typically get with a shingle roof. I'm kind of at the roofer's mercy.

After my recent dog bite, I have become very nervous about walking Dash. The park is so popular now that people come from all parts of town to walk their dogs. There is almost always somebody who wants to walk their dog without a leash. Some of these dogs are well behaved, but many aren't. I try my best to avoid loose dogs at all costs, but it's getting harder and harder. I don't even trust dog parks anymore. We saw another loose dog today. Luckily, Dash and I made it home in one piece.

I was balancing my checkbook this afternoon and I couldn't figure out why there was a $300 difference between me and the bank. I'm usually pretty accurate with bookkeeping. I finally figured out that my supplemental medical insurance had gone up in cost earlier in the year and nobody had bothered to tell me. I have health insurance payments directly debited from my account because I don't want to lose coverage just because I forgot to pay a bill. You've got to keep looking at your bank statements though. It's surprising how often rates go up.

I guess I could go get my new vehicle registration sticker tomorrow. I still can't remember how the new rules work, but I think you just need to wait 24 hours for the safety inspection information to be recorded in the state's database. I was thinking that Texas eliminated the safety inspection requirement earlier this year, but apparently not. The bill was passed by the Texas Senate but rejected by the House. I think the legislature is still trying to eliminate safety inspections. It seems like it would be better to keep the safety inspections, but eliminate the registration sticker.

It looks like there might be quite a few clouds across the United States next Monday. I guess it doesn't matter to me since I won't be traveling to view the eclipse anyway. It would be a shame if the weather won't cooperate. So far it looks like Idaho has the best chance of clear skies. I hope you have clear skies wherever you plan on viewing the eclipse. These things don't happen all that often.

Freckles is today's Dalmatian of the Day
Watch of the Day

Friday, April 14, 2017

Day 2668

Dot wouldn't settle down this morning, so I skipped going out to breakfast. I don't know what has changed, but she is more active now after we return from our morning walk. It's a good thing I stayed home, because she needed to go outside to pee twice while I was sitting in the kitchen eating my frozen toaster waffle. I walked her around half a dozen times before she finally settled down around 10 AM.

While I was waiting for Dot to go back to sleep, there was a knock on the door. The roofers had arrived. I wasn't expecting the roofers at all today. Truthfully, I wasn't even expecting them this month, so it was somewhat of a happy accident that I decided to stay home this morning. I went up on the roof with the crew to show them where the damaged areas were. There was still water on the roof, but the guys said they would blow it away with a leaf blower before they made their repairs. I would have picked a sunny day to come out, but beggars can't be choosers. I was glad they were here.

The repairs only took a couple of hours and then the roofers were gone again. I was a little worried that it would rain this afternoon before the patched areas had completely dried, but the skies cleared and the temperature got warmer as the day progressed. I think the patches will have plenty of time to cure properly and maybe I won't have to worry about leaks again for the rest of the Summer.

Dash has started throwing up again. This has happened periodically for years. I take him to the vet and they can never find anything wrong. They either tell me to give him a Pepcid, or if he vomits more than once they prescribe some Cerenia. Usually this takes care of the problem. I used to think that Dash had just eaten something bad in the park, but this has been going on so long that I now suspect that there is something else involved. Intermittent problems like this are very hard to diagnose. I'll talk to Dash's oncologist the next time we go in for a check up, but I think he just suggested taking a Pepcid too.

Since Dot has switched her nap time to the afternoon, I waited until she was asleep to go to the store and pick up something for dinner. On my way to Central Market I stopped by my doctor's office to ask why I was no longer receiving reminders to come in for lab work. I used to get lab work done every three months, but the nurse I talked to today told me that Medicare will now only cover once set of labs per year. Did I really ever need the extra blood tests when the doctor was able to bill them out? I'll never really know. Maybe once a year is enough, but I'd have a blood test every week if I could. Frequent tests allow you to chart the results and see if a change in diet or meds is making a difference. Once a year isn't really enough. An annual test will warn you if something really alarming is happening, but it doesn't let you monitor subtle changes. The neighborhood health food store used to offer low cost blood tests several times a year. The tests only cost $25 and I would always take advantage of them. It was really disappointing when one of the guys administering these tests unexpectedly died of a heart attack and the testing service was discontinued. The fact that these $25 tests went to the same lab as the $400 tests my own doctor gave me told me everything I needed to know about the health care system. As soon as insurance gets involved, things suddenly get very expensive.





The dogs are both quiet now. Nobody is pooping or throwing up. I hope it stays that way. Whenever Dot and Dash are having problems at the same time, I realize that one high maintenance dog is really all I can handle. I'm glad the roofers finally made good on their promise. That's one more thing I can cross off my list. Now, I just need to get the landscapers to come out and take care of the back yard.

Flash is today's Dalmatian of the Day
 
Watch of the Day
 

Saturday, November 12, 2016

Day 2525

I stopped by a popular animal rescue event today. There was a big crowd and the weather was perfect. I used to work with this group a lot. Someone else does the marketing and promotions now. He does a good job. I saw a lot of new faces and a few familiar ones. It was nice to see that the group has prospered over the years. As I said hello to old friends, I kind of missed being involved. It was my choice though. There are other priorities now.

Maybe it wasn't a good idea to withdraw from almost everything. There's also the possibility that taking care of an old, sick dog has been the best thing that ever happened to me. Seeing Dot survive and even thrive long past her expected expiration date has certainly been its own reward. I'm working on becoming more patient and understanding. Everything seems to happen in slow motion now. The dogs control the flow of the day and how long I feel comfortable being away. The visit to the rescue event, grocery shopping, and filling the car with gas took a little over two hours. That was about right.

It was really cold this morning when I walked Dash. I've stopped wearing shorts on these morning walks and I'm going to have to start wearing a warmer jacket soon. I'm looking forward to cooler weather. I've got waterproof boots, several warm jackets, and some leggings for really cold days. The dogs love cold weather, so it should be easier to get them to walk. It costs less to run the furnace than the air conditioner too, so maybe our electric bill will go down a bit. I'm not going to get too enthusiastic though. Cold weather is fine. Snow, not so much. I'm not looking forward to snow at all.

I wonder if Obamacare is really going to get repealed? It would be easy enough to roll things back to the way it was before, but then a lot of people would lose their coverage and there would be a big outcry. Health insurance has always been confusing and a lot of the current narrative is just untrue. There have always been ways to get insured if you have a pre-existing condition. High risk pools were set up in most states for exactly this purpose. When I started my company, I was able to find good, reasonably priced health insurance. Then, five years later, my insurer pulled out of the Texas market because they thought they weren't making enough money. I had to start all over again and look for new insurance. I was older and it was much harder the second time around. To make matters worse, my doctor had discovered that I had Hepatitis C, which was considered a very expensive pre-existing condition at the time. This made it much harder to find new insurance. I was advised to join the Texas high risk pool, but I really wanted something better. I finally ended up leasing myself from an employee leasing company and then was able to get on the employee leasing company's group plan. As a leased employee, I paid myself minimum wage and was able to get pretty good insurance in return. The whole thing was an accounting nightmare, but it worked. The weird thing is that I thought I was paying a small fortune for this opportunity to join a group plan, but it was actually much less than most people are paying for Obamacare today. Good insurance has always been available, even to self employed people like me with pre-existing conditions. You just had to pay for it. It was only when the government decided to insure everybody, whether they could pay or not, that things began to get weird. Somebody had to pay, and in many cases, it turned out to be you.

I hope this nice weather continues tomorrow. The roof is dry, I don't have to empty the dehumidifier bucket very often, and the air conditioner isn't running constantly. In my world, it doesn't get much better than this.

Jada is today's Dalmatian of the Day
Watch of the Day

Monday, June 13, 2016

Day 2373

Automatic payments are a mixed blessing. They save on postage and you don't have to worry about forgetting to pay a bill. On the other hand, if you don't check your balance frequently, you can end up with a lot less money in your account than you thought you had. I was under the impression that my health insurance bills would go up in June. Nope. They actually went up in January. I should have noticed this earlier, but I didn't. My bad. It took me hours this afternoon to straighten out my bank balance.

I also sent out my June invoices today. There is still more money going out than coming in each month, which is probably why I don't check my balance as much anymore. It's too depressing. Eventually, I corrected my statement, got everything in balance again, and took the small stack of invoices to the post office. Things may change, but I suspect that this slow downward spiral will continue.

The wet weather is certainly continuing. There were sporadic thunderstorms throughout the day which meant I couldn't count on the dogs sleeping peacefully while I worked. Since Dot is almost deaf, she only gets upset when she sees the lightning. I try to make sure she doesn't take her naps near a window, but it doesn't always work. She knows something is wrong when Dash gets upset and Dash still hears everything. It was a long day.

When it rains, my boots get muddy and it takes me a while to clean them off on the porch before I go inside. I also have to clean the dogs paws before I let them inside. For the past week or so, I've gotten eaten alive by mosquitoes while I'm doing this. They say the Zika mosquitoes are already in Texas, but I hope they haven't arrived in my back yard yet. There is no avoiding getting bitten. The ironic thing is that I can't apply the mosquito retardant spray until the yard is dry, but when the yard is dry there isn't a mosquito problem. Catch-22.

I had some work to do today, but it's getting to where the website updates I make don't seem much different than doing a load of laundry. It's all just tedious and mechanical. Maybe if it was sunny outside, I'd feel differently. I'd like to be excited about something again, but right now I'll settle for a good night's sleep. I really wonder how long this rain is going to last. I thought last year's wet Spring set some kind of record, but this year is even worse.

We'll see if the sun comes out tomorrow. I have a feeling that the day will go a lot smoother if it does.

Marcie is today's Dalmatian of the Day
Watch of the Day

Wednesday, October 28, 2015

Day 2143

I went and got the blood tests that my doctor needed right after we walked the dogs this morning. They always want you to fast before these tests, so it's easier to do them first thing in the morning and eat breakfast afterwards. A lady I'd never seen before approached me with a pile of forms to sign before they drew my blood. She said she was a representative of the lab that did the testing. I read page one of the forms and they basically said that I had to pay for anything that insurance didn't cover. What was this all about? Insurance has always covered everything before. I told the woman with all the forms that it was my doctor who insisted on all these tests and it was his job to get them paid for. The whole incident was irritating. Maybe I'll eventually get a bill and maybe I won't. That's not the point. The whole process of navigating the healthcare system is kind of like being lost in a corn maze. It's hard to tell the good guys from the bad guys.

Today was a writing day. I didn't think my writing assignments would take me as long as they did, but sometimes the muse just isn't with you. I struggled today. I often find that the "no-brainer" jobs are the hardest, because it can be very difficult to write something compelling when there is nothing to say. Really innovative products sell themselves. The rest provide job opportunities for people like me. I'm not complaining, mind you. I'll write about virtually anything if you pay me.

Yesterday, I was pleasantly surprised to discover that my defective watch winder was being replaced for free with a brand new model. Today, I was disappointed to discover that it will cost three times as much as I originally anticipated to fix my old multi-track tape recorder. These two different approaches to a repair problem illustrate perfectly how we have become a throw away society. The watch winder was made in China and it was actually less expensive to throw the old unit away and replace it with a new one than it would have been to ship the winder back to the Chinese manufacturer. The tape recorder had to be repaired because it was no longer in production. Most of the repair cost was labor. The cost of the parts themselves was minimal. In the future I don't think anything will be repaired. It will all be replaced. It's so much easier to throw the old stuff away and let the robots build more.

While I was on the phone trying to get some medical records this afternoon, Dot had a major accident in the house. I smelled it before I saw it. It was like a poop explosion. She pooped all over the carpet in my office and then stumbled and fell in the poop. First I had to clean Dot up. Then I had to take her harness off and hose it off before I put it in the washing machine. Then I had to do my best to clean the carpet itself. It sure would have been nice if Dot had pooped on one of the dozens of small rugs we've spread around the house to help her walk. I can take the rugs to the laundromat or hose them off outside. The carpet is more of a challenge.

Tomorrow is another day. I'm hoping that Dot does well at her physical therapy session. I'm hoping that it doesn't rain. I"m hoping that the carpet still smells clean after it dries out tomorrow.

Abi is today's Dalmatian of the Day
Watch of the Day

Sunday, May 3, 2015

Day 1965

The dogs don't frequently decide to sleep in late, but when they do, it is always appreciated. The whole family finally got a good night's sleep for a change. When she finally did wake up, Dot was ready for a walk. She's kind of reached a plateau where her strength isn't increasing as quickly as it initially did, but these morning exercise walks are still doing her a lot of good. We're walking the dogs together now, but since Dash needs a much longer walk, he continues on with Janet after I return to the house with Dot. This works out pretty well. Both dogs get to smell things together along the trail for a while which makes them happy, and then when Dot gets tired, Dash can continue for as long as he wants.

After breakfast, I organized a big stack old old bank statements and brokerage reports. I don't know why I save these things so long, but it's a habit. After I got everything in the proper manila envelope, I turned my attention to a smaller stack of unopened mail. Whenever I sort through the junk mail pile, I inevitably find a few unpaid bills. Usually these are medical bills and most of the time they are a mistake. My secondary insurance is supposed to pick up the charges that my primary insurance doesn't pay, but frequently things aren't submitted correctly. Usually a few phone calls takes care of the problem. The reason that these bills wind up in the junk mail pile in the first place is that the healthcare industry is a huge source of junk mail. The older you get, the more of this type of mail you get.

I didn't make it to the gym today because I managed to think of three or four good excuses why I didn't need to go. My jaw continues to hurt, so I didn't want to do any cardio exercises that would raise my heart rate and cause me to start bleeding again. I had to burn some CD's for a client which took a lot longer than it should have, mostly because I had a bad batch of blank discs. I even considered going to a local car show that was being held down in the park today, but decided to just wash my own car instead. I used to love going to this annual British car show, but like the home tour a few weeks ago, seeing immaculately restored and preserved things just depresses me now. How do these people find the time to keep all their stuff so nice and pretty when my own stuff is falling apart?

I've got another photo shoot tomorrow. It's not actually a new job, just a continuation of the assignment I started last week. I think I'll take a different camera this time. The camera I took last week got confused by the mixture of incandescent, fluorescent, and LED lights. I never could get the white balance quite right. I could have took strobes for more consistent lighting, but it would have taken away from the spontaneity. Maybe all I need is a different camera.

I should probably call the dentist tomorrow. I've just about finished all my meds and my jaw still hurts. I don't know whether I've got a dry socket, or whether I'm just being a big baby. I kind of thought the pain would have completely gone away by now, but it hasn't. This is what happen when you only go to the dentist once a decade. I just don't know what to expect.

Milo is today's Dalmatian of the Day
Watch of the Day

Saturday, January 3, 2015

Day 1845

The sun finally returned today. It's still a bit chilly, but it was actually a beautiful day. The abrupt change in the weather made me realize that it was time to start the new year. I took down the Christmas tree and put the ornaments away for another year. I went up on the roof and removed a week's worth of accumulated water. I even thought about cleaning the office, but wisely decided not to get ahead of myself.

I've just about given up on getting a response from Jawbone, so I went out and purchased another UP fitness band. This one syncs automatically using Bluetooth, so you don't have to plug it into your phone everyday. I must be a glutton for punishment, since this will be my fourth UP band in just a few years. I love these things, but they just aren't made very well. The batteries don't last very long. The little LED status lights frequently stop working. And, in the case of my last band, they sometimes refuse to go into sleep mode. You'd think I'd wise up and get a Fitbit or something more durable, but I still like the UP band best. It is still the smallest and most unobtrusive fitness tracker you can wear on your wrist. You can wear an UP band with a watch without feeling that you've got a watch on both wrists. And best of all, Jawbone has easily got the best smart phone app to track your results. It's just too bad the company hasn't figured out a way to make these clever little gadgets last more than a year.

I guess I'm officially in the loop for the upcoming launch of the SMAP satellite. I'm starting to get e-mail from my contact at the Jet Propulsion Lab and was invited to join a recently created Facebook group where other people attending the launch can share information. I still haven't made any travel arrangements, but that's on my list for next week. It was kind of unnerving to see that there was snow in Southern California last week, but hopefully the weather will improve by the time I depart. The weather has always been fabulous whenever I've visited the Los Angeles area and I'd hate to break a winning streak.

The range of motion on my right arm is increasing, now that I've been doing the stretching exercises that are supposed to loosen up the muscles in my bad shoulder. Unfortunately, the shoulder still hurts just as much as it always has. I wonder if I've really proved anything if all I can do is painfully extend both hands all the way above my head. Maybe I'm just not being patient enough. I don't really like to exercise and exercise that causes pain is even worse. I'm going to ask my physical therapist if they offer cold laser therapy like Dot is currently getting. The laser treatments seem to be helping Dot, and it certainly seems like I ought to be able to get the same kind of care as my dog.

I had to get some prescriptions renewed this afternoon and I noticed that the price of several drugs had gone up almost 40%. Every year, my drug plan adjusts prices in January and they never go down. I hope this isn't a sign of things to come. We're only a few days into 2015 so far, and I'm trying to remain optimistic.

Chase is today's Dalmatian of the Day
Watch of the Day

Tuesday, February 18, 2014

Day 1526

Another stressful day. We've known for some time that Dash has a lipoma in his neck. These fatty tumors are very common in dogs and most of them are benign. When I took Dash for his antigen shot today, his vet thought that the lipoma had grown a bit and wanted to run some tests to make sure it wasn't malignant. She aspirated cells from several sections of the tumor and sent them off to a pathologist for analysis. We should know the results before the end of the week. If the growth is a normal fatty lipoma we don't need to do anything. If the cells are abnormal or malignant, more tests and even surgery may be required.

I certainly hope the growth isn't cancer. We have had two dogs that have had cancer. Spot, our first Dalmatian, remained cancer free after some serious surgery that removed six inches of his intestines. Gretta wasn't so lucky. She died two days after a surgeon tried to remove a cancerous lobe from her liver. She didn't even make it home from the surgery center. Hopefully, the growth in Dash's throat is benign. It is in a difficult place, right next to his carotid artery. It would take a very skilled surgeon to successfully remove it.

If any of you have had to switch to Obamacare, you have my sympathies. I'm on Medicare now, and even though the government has had decades to work out all the kinks, Medicare is still a huge mess. I'm almost certain that Obamacare will be worse, since it's brand new. I found out today that even though I enrolled in Medicare over six months ago, none of my claims have been processed. Apparently Medicare still thinks my "employer" is paying for my health insurance, not realizing of course that I have been my own employer for over twenty years. The group insurance plan I discontinued last June when I enrolled in Medicare is still listed as my primary health insurance and Medicare is listed as secondary insurance on Medicare's own website. After calling three different numbers and sitting on hold for almost an hour, I finally ended up talking to someone who understood my problem. They have an entire department dedicated to resolving these type of problems because they are so commonplace. I think it's called the Coordination of Benefits Department. The lady I talked to was very nice and told me that she had updated my records to indicate that Medicare was now my primary insurance. She never told me how the group plan I discontinued over six months ago had gotten into the system however. Evidently mistakes like these are quite common when you are self-employed. When I asked if there was anything else I needed to do, the lady casually mentioned that I needed to have all my doctors submit their claims again. "But you already have all their information," I said. "Can't you just reprocess it?" No can do, the lady told me. The doctors will have to start over and resubmit all their claims. They'll have to wait ten days before they do this too. That's how long it takes for the government databases to be updated with the new information they entered today.

A can light in the bathroom ceiling burned out this morning. I got a ladder and looked at the fixture, but couldn't find anything wrong. I hate to call an electrician because they will charge me $300 or more to do something simple that I could do myself.  I hate to do this job myself either. If I remember correctly, the last time I tried to fix something up on the ceiling was when I managed to get my neck out of joint and had to go to physical therapy for three months. Whatever happened to the fixture also managed to ruin one of my fancy new LED light bulbs. These LED bulbs are supposed to be indestructible and last forever. Apparently not.

Maybe tomorrow will be better. I can't think of many good things that happened today at all.

Bailey is today's Dalmatian of the Day
Watch of the Day

Thursday, January 23, 2014

Day 1500

My visit with the hepatologist today was very encouraging. The new treatment for Hepatitis-C is far superior to the old interferon and ribavirin treatment. The new treatment only takes 12 weeks. It is almost always successful. And there are no horrible side effects. The old treatment could take up to a year, involved injecting yourself with very expensive interferon every week, and it almost always made you feel like you had a bad case of the flu. You also had to worry that the medicine would destroy your white blood cells.

Sovaldi, the major component of the new treatment, appears to be an amazing new drug. I'm glad someone finally invented it. The only downside is that I have to get approved before the pharmaceutical company will start sending it to me. The first part of the approval process involved getting new baseline blood work done. That part was a piece of cake. The next part involves getting insurance approval.  Lets see. A brand new advanced drug and an antiquated approval system that doesn't even understand some of the regular medication I take. What could possibly go wrong?

The best part of this new treatment is that my reluctance to inject myself with interferon has actually worked in my favor. Apparently Sovaldi works best if you have never had the interferon and ribavirin combo before.  We'll see what happens. My medical team wants to see me again in March. They say that I should be halfway through my treatment by then.

It was so cold today that the dogs and I were both reluctant to go outside. Nature calls though, so we had to bundle up and make the best of it. I found some new dog coats that are much easier to get on and off and the dogs seem to tolerate them pretty well. Getting them to wear their old sweaters was often an exercise in futility. Luckily, we didn't have to stay outside as long as we used to. Dash has finally learned to poop in the yard on cold days. Thank god! I don't know why it took him five years to learn this simple trick, but I'm glad he's finally acting sensible.

The tree service is supposed to come out and remove the tree from my roof tomorrow. We'll see how that goes. I wouldn't be terribly surprised if the tree trimmers never show up. The tree has been sitting up there on the roof since well before Christmas, despite several promises of a speedy removal.  When the tree is finally gone, I'll move on to my next big project: doing my taxes.

Chloe is today's Dalmatian of the Day
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Saturday, December 14, 2013

Day 1460

I think we're finished with pet photos for another year. The four Santa Paws events were a resounding success, and hopefully our efforts will help Dalmatian Rescue find homes for some deserving dogs in the year ahead. We've been doing these fundraising events for so long now that we've watched some dogs grow from their first photos as wild little puppies, to become mature adult dogs, and finally to return again as sedate senior dogs with grey muzzles. All these dogs are incredibly important to their owners and yet they don't live nearly as long as they should. I've always wished that dogs lived as long as we do. Seven to fourteen years isn't enough time.

I found out today that one of my doctors is still billing everything to my old insurance company. As if things aren't screwed up enough already. I've updated my records three times with the correct information, but nothing seems to change. Lord help these guys when they get hit with all the new ObamaCare regulations. My situation is simple. If they can't manage to keep my information current in the computer, a lot of their patients are totally screwed.

I thought the weather would be nice today, but the temperature is still hovering around freezing. I need at least one nice day to get all the leaves and water off the roof before the next round of bad weather hits. Maybe tomorrow. "Maybe tomorrow" seems to be my response to just about everything these days. The closer is gets to Christmas, the more errands there are to run. I don't think I'm ever going to get caught up at this point. If I remember to pay the property taxes, I forget to go to the dentist. If I remember to pick up the dry cleaning, I forget to take my evening meds. On and on it goes. About the only thing I remember consistently are the dogs vet appointments.

I'm taking some pictures for a friend of Janet's tomorrow. This shouldn't take long, so maybe I'll find time to make it back to the gym again. I haven't been all week and it's starting to show. I'm sure that all my storm related activities must have burned of a few calories, but it's not the same. Hey, a good workout, a clean car, and the missing UPS package back on my doorstep and I'll be back in business again.

Lance is today's Dalmatian of the Day
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Tuesday, October 8, 2013

Day 1393

I barely left the house today. Don't worry, the dogs still got their morning and evening walks, but that was about it. The rest of the day I spent staring at the computer. It's no surprise that carpel tunnel has taken its toll on my wrists. My main exercise today was pushing the mouse around on my desk.

Not that it matters, but I did get quite a bit done. Three more websites are up to date again, an article is on its way to be published, and a new print ad is looking pretty good in Quark Express. Sometimes I think I ought to teach my clients to update their own websites, but that would be shooting myself in the foot. I'm fully aware that my client's don't hire me for my wisdom. They hire me because I'm willing to do tiresome, mindless things that they don't feel like doing.

Although I've never liked the randomness of Texas weather, I find the changing of the seasons comforting. As Fall continues its approach, I see familiar signs that I know I've seen before. The leaves on certain trees are starting to turn yellow and orange. The Coots have returned to the lake and the Cormorants aren't far behind. As the days grow shorter, the dogs and I cast long shadows on our morning and evening walks. I'm certainly no Henry David Thoreau, but I've documented these seasonal transformations so thoroughly over the years, that I can tell you exactly what is going to happen next, just by looking at the photos I took in previous years. Maybe the ice is melting and the oceans are rising in other parts of the world, but nothing is changing here. Spring, Summer, Fall, and Winter are as regular as clockwork.

I am baffled by all the bickering in Congress. Sometimes I don't think anyone understands the healthcare industry at all. First of all, there is nothing new about Obamacare. Most states have had high risk pools for people with pre-existing conditions for decades. I should know, because I have some serious pre-existing conditions myself. It's not that people with pre-existing conditions can't get insurance, they just don't want to pay for it. Anyone with a pre-existing condition could always get health insurance the same way I did. For over a decade my company has leased my own services through an employee leasing company, just so I could get on the employee leasing company's group health insurance plan. This was always an expensive solution, but the insurance was quite good.

I have a feeling that I made the transition to the world of Medicare at precisely the right time. I noticed recently that the employee leasing company I was affiliated with has quietly dropped the gold plan I was using and is now advising customers to use one of the new private health care exchanges instead. The irony of this whole healthcare mess is that the people who hate the Affordable Care Act the most will probably benefit from it by being able to drop their company insurance programs entirely. On the other hand, the people who love the Affordable Care Act now, will probably hate it several years from now when they discover how much they will actually have to pay.

Noting is as it seems. I discovered that a long time ago.

Madison is today's Dalmatian of the Day
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Tuesday, September 17, 2013

Day 1372

I guess if you snooze, you lose. The car I was thinking about buying was sold to someone else today. I wish I was quicker about making these kind of decisions, but I'm not. I've always gone back and forth about big decisions. There's a good chance that the next car I find will be snapped up by someone else as well. Eventually, I'll find something I like though. I always do.

One of my doctors keeps submitting bills to the wrong insurance company and then I get billed for the entire amount when the insurance company says they never heard of me. I call and get things straightened out, and then a few weeks later the same thing happens all over again. I am slowly losing faith in people's ability to do anything correctly without having the luxury of a "do over." Sometimes I think the whole world has become incompetent.

One of my favorite rescue dogs passed away today. Connor was one of the lucky ones, because he found a wonderful second home. I just wish he had been given a little more time, because he was an amazing dog. Our canine friends just don't live long enough. I am reminded of this every day as I watch Dot's steps become slower and slower. She stumbles easily now and I have to be careful where she walks. Dot does the best she can and I do the best I can to take care of her. Hopefully, this will give us the additional time we both still need.

Dash is still a young dog, but he has his own health issues. He was back at the vet again today for his antigen shot. Along with the phenobarbital he is taking for seizures, he will probably have to continue these bi-weekly antigen shots for the rest of his life. If controllable epilepsy and skin problems are all Dash has to worry about though, he's doing pretty well. I have seen so many dogs who have had to deal with far worse.

I'm so tired of dealing with health issues that I suspect this is one of the reasons I want a new car. I can't guarantee that the dogs will stay healthy any more than I can guarantee my own health. When you realize you can't make yourself new again, and even the prospect of making your house new again seems remote, maybe making your car new again might be as good as it gets.

I need to remember to get up early tomorrow for my Wednesday morning business networking breakfast. I hope getting up before sunrise once a week eventually becomes second nature to me, but the desire to "rise and shine" certainly hasn't kicked in yet.

Connor is today's Dalmatian of the Day
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Wednesday, February 13, 2013

Day 1156

The specter of medicare on the horizon is already starting to bother me. I've finally got a group of doctors that I like along with some pretty decent health insurance. I'd hate to lose all this when the government takes over. Since nobody seems to know anything specific about medicare except the people who are already using it, I thought I'd do a little research. I discovered that medicare advantage plans and supplemental insurance are completely different. I also learned that you don't need both. I learned that part-d prescription drug coverage is really just another form of supplemental insurance. Most importantly, I learned that insurance companies and health care providers make a ton of money from selling medicare advantage programs and aggressively try to sign you up for their particular plan when you begin to approach the magic age of 65. It all comes down to money. Are you all that surprised?

I'm really hoping that my latest blood test results will vindicate my new somewhat austere diet. Although I'm slowly acquiring a taste for fruits and vegetables, I do miss bacon, french toast and cheeseburgers. When I asked my nutritionist why my new diet wasn't more popular if it could actually reverse diabetes, prevent heart attacks, and improve liver health, he told me that there wasn't any money in a good diet. The pharmaceutical industry is a billion dollar empire with tentacles everywhere. Selling pills is big business. Eating broccoli isn't. Maybe it is really that simple. Look at the ads you see on TV. It seems like 80% of them are selling pharmaceutical products. When you go to the doctor, there are often more drug company reps sitting in the bobby than patients. The pharmaceutical lobby in Washington DC is probably even more powerful than the gun lobby. Everyone wants you to take a pill because pills are wildly profitable. Again it all comes down to money.

Maybe the medical industry's fixation with money wouldn't be so irritating if I made more of the green stuff myself. I consider my company successful because I've managed to stay in business for over twenty years during a period of time where many businesses like mine have failed. I've never been wildly profitable though. I work hard for my money and profits are somewhat self-limiting. I have never been able to take advantage of economies of scale, since it is only me doing all the work. I'm very reluctant to hire people and grow, because that's exactly why several friends of mine failed. Growing too fast can be much worse than not growing at all.

Maybe I should resign myself to walking the dogs and making just enough to pay the bills. I wrote two articles today. That ought to pay the electric bill.

Tessa is today's Dalmatian of the Day
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Saturday, October 27, 2012

Day 1047

Janet and I went over to the neighborhood health food store to get our blood tested this morning. The store has these cholesterol screening events four times a year and they are dirt cheap, especially compared to what your doctor would normally charge. The huge price differential for lab work sums up the whole health care delima for me. When my doctor does my blood work, Labcorp bills my insurance a minimum of $400. Hey, why not. They know that my insurance will pay. When essentially the same labs do these public events for seniors, the test costs $20. That's what they know people will be willing to pay using their own money. I'm sure the lab makes a profit in both cases. It's just insane. So why is medicine so expensive? Because the money is there. If everybody was paying for healthcare with their own money like they do when they take their dog to the vet, costs would be much, much lower. Yeah, I know. Some people don't take their dog to the vet, because they don't want to spend the money. Some people wouldn't go to the doctor for the same reason. In general, medical costs would be much lower without insurance though. The only fly in the ointment would be that more people would die.

I wonder why I hate health insurance so much? I'm perfectly fine with car insurance. Homeowners insurance isn't so bad either. Maybe car insurance just seems more fairly priced and health insurance seems like a rip off. All I know is that a simple blood test should never cost $400.

I opened the filter drawer of the new furnace today to measure the filter and discovered that the filter was already filthy. It needed to be changed. How did that happen so quickly?  When I went to look for a new filter, I discovered that my filter was a very odd size. It couldn't be 10x20 or 20x20 like most furnaces. That would be too easy. No, it had to be a special size. I finally found a filter that would fit, and as you might expect, it was more expensive than the other filters. Hopefully, this fancy new energy efficient furnace will save me enough in gas to pay for all the filters I'll need.

After our blood test, Janet and I went out for breakfast at the restaurant with good bacon. She couldn't believe that I'd already tried everything on the menu. Hey, aren't there 52 Friday's in a year?  That's a lot of breakfast choices. 

Dash is today's Dalmatian of the Day
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