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Cold Moon

So, I'm in the middle of the second of The Sharing Knife books, but I drag myself out of the drama to take my kid to the cell-phone store to replace her phone, which has stopped charging unless you hold the charger in just right.  Which she did this morning, long enough to talk in astonishment with her good friend about her friend's high-school-style drama (involving the friend's boyfriend and his best friend, and being seen at a mall, but not the one she said she'd be at, if the snippets I caught while I was calling the cops)--ah, I got ahead of myself.  The charging of the phone was supposed to be for transferring the memory to a new phone, so I dragged myself out of my good book and we went out into the cold to hurry off to the store and stopped in dismay.

Someone broke the driver's window on my car last night or this morning.  So I sent her in for a bag to clear glass into and called the cops.  And went in for plastic and tape.  And called the insurance company.  And we went to the store, finding that the first bit of plastic really wasn't large enough, but at least the store isn't that far.  And I find that the soonest I can get the window fixed is Monday, messing with plans for shopping and getting together with people.

And I have been wanting to replace my own phone, as the ear-bug function and speaker function are both working poorly.   So, we get there and can set her up with a new phone, but I can save $100 by waiting six days to replace mine.  So I still have the same frustrating old phone, at least until Friday.   And I have to pay for a new window for the car, since they expect the cost to be under the deductible.  And I don't get to go sell young fish, to get store credit to get new filters, that store is far too far away in this weather without a window.  

And now I wish I'd decided to splurge and go to GAFilk--it probably would have cost about as much as the new car window, and then I'd still have the car window.  It certainly would have been a heck of a lot more fun as a way to spoil this month's budget--and I haven't even gotten to pay for my expensive asthma meds yet (the new year's huge deductible for that is now in effect too, though with no guarantee that if I start paying this one I won't have to start paying another soon, seeing as how the old insurance plan has dropped Aurora (ALL of the Aurora hospitals and clinics and doctors in the area...hmm, that probably means the Aurora pharmacies too, sigh, which means I'll most likely need a new pharmacy to spend my deductible at), and so the firm is looking into possibly switching health insurance carriers, depending on what kind of quotes they get as to premiums...)

Perhaps I should go bury my head in my book again!  There's no snow in there, at least not in this chapter...

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( 3 comments — Leave a comment )
(Deleted comment)
wyld_dandelyon
Jan. 13th, 2009 07:31 pm (UTC)
Insurance companies are certainly...debased. (There's got to be a better but still polite word for it, but it doesn't come to mind right now.) I don't think they play fair.*

My latest realization is that my health insurance has TWO deductibles. One $1250 for preferred providers, and a totally separate deductible of the same astronomical amount for non-preferred providers. PLUS the substantial copays (40% for non-preferred providers), and the reductions for "above reasonable and customary charges" and whatnot.

*To some extent, a recent analysis of banking things as being NOT reasonable to cover with contract law extends to the insurance industry. These "contracts" are so long and so complicated as to not be understandable by people without specialized training. It is not two equals coming to a meeting of minds as to who will pay for what, and memorializing it with a document. The insurance company goes not even direct to us, but to our employers, so our only recourse is to take what's offered or do without. And in some areas, like auto insurance, most States don't even allow you to do without.

But I'm not wanting to rail (more) about insurance companies today. I'll go back to reading E. Bear on writing the other at http://matociquala.livejournal.com/1544111.html
mbumby
Jan. 13th, 2009 06:50 pm (UTC)
Sorry to hear about the car window. Yuck.
wyld_dandelyon
Jan. 13th, 2009 07:17 pm (UTC)
Thanks for the sympathy. I'm REALLY tired of paying for broken car windows!!!

*sigh*
( 3 comments — Leave a comment )

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