mycatisabunny:

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.

maybe-this-time:

Everyone always wants to talk about Hook or Pan. Everyone always wants to debate which one is good and which is evil - who we’re supposed to follow and who we aren’t. The Peter Pan mythos has pretty much shrunk down to nothing but Hook and Pan (Hook, SyFy’s Neverland, Pan, OUAT, etc). Occasionally Tinkerbell factors in (Hook, Disney’s Tinkerbell, OUAT, etc). There’s one character, however, that always gets sidelined - which is puzzling since they are the main character of both the play and the book. That character is, of course, Wendy Darling.

Peter Pan is Wendy’s coming of age story. Wendy who decides to run away from home. Wendy who realizes that she must grow up - and that there’s no shame in that. Wendy who sees Peter as deficient and sees Hook as empty and decides that, no, she doesn’t want to be a part of that. Wendy gets the adventure she’s always wanted and she turns away because she realizes that it’s lacking. She’s the only one who truly sees the hollowness of being young forever. Barrie even says “You need not be sorry for her. She was one of the kind that likes to grow up. In the end she grew up of her own free will a day quicker than other girls.”

People always debate on who the hero is. When they learn that Peter could be horrid they assume it has to be Hook. Of course, the answer is that neither of them are the hero. Wendy is the hero of the story. You’re not supposed to be like Peter, who kept every good and bad aspects of being a child and can’t tell right from wrong. You’re not supposed to be Hook, either. He let go of everything childish and loving about him and became bitter and evil. They’re both the extreme ends of the scale. You’re supposed to fall in the middle, to hold onto the things about childhood that make it beautiful - the wonder, the imagination, the innocence - while still growing up and learning morality and responsibility. You’re not supposed to be Hook. You’re not supposed to be Peter Pan.

You’re supposed to be Wendy Darling. 

aspecsapphic:

those on the ace spectrum deserve positivity and love and acceptance all the time and not just during ace awarness week

bepeu:

i just need a hug(e amount of money)

copperbadge:

copperbadge:

I hung a sign on my door tonight reading 

I have the flu! I don’t want to infect any little monsters! So please help yourself!

with an arrow pointing to the candy bucket next to the door. 

So far three separate small children have yelled PLEASE FEEL BETTER at me through my door. Also one of them told what was clearly his younger brother “Take ONLY ONE, don’t be greedy, the Great Pumpkin can see you.”

Faith in the world: restored. 

When I loaded up the bucket it had in it:

One bag’s worth of Starburst
One bag’s worth of Dum Dum lollipops
Two bags’ worth of M&M snack-size packs
Two small bags’ worth of erasers (skulls and black cats)
One bag’s worth of plastic fangs because those were MY FAVORITE as a child

I just brought the bucket in and it had in it:

Two individual Starburst
About half a dozen erasers
One Blow Pop lollipop
One snack-sized Twix bar

Apparently someone thought that I might like a blow pop and a Twix bar. Thank you, trick-or-treating child, I DID.