Affordable Care Act: Good For Women and Kids

Gianna at the Park

In researching more affordable health insurance options yesterday morning, I learned that we’ve been being screwed by our insurance company.

On one hand, we’re to blame for not bothering to look into better options sooner, but basically it comes down to this: the Affordable Care Act, aka Obamacare, forces insurance companies to pay for well checks for women and kids from age 0-21.

Of course there are a few loopholes, like in our case. If your policy started before the law took effect in March 2010, you are “grandfathered” in. We didn’t change our plan once we had Gianna, especially since after her birth our deductible was met through the end of 2011.

If your plan is old, the insurance company doesn’t have to pay for “well checks.”¬†If you don’t have kids or aren’t a woman, you may not know how damn expensive that stuff is. Gianna’s first round of shots and one office visit cost $700. That’s right. $700 for maybe half an hour and a few shots.

I’m not talking about whether or not you think it’s fair that the law works this way. But I do want people to realize that their well checks are covered by their insurance.

So hey, educate yourselves and don’t trust your insurance agent to let you know that your old plan sucks and you’re not taking advantage of a better plan.

Comfort: The Biggest Killer of Productivity

Rodin's Thinker

Being comfortable is the biggest killer of productivity.

When you have something to prove, or are hungry to better yourself, you work for it. You bust your ass. Once you attain a certain level of success, whether it’s in your job, your housing situation, your car, your weight, fitness level, whatever, it becomes a lot harder to keep your eye on the prize. Your goals change. It’s easier to coast a bit and just do enough to maintain your ¬†comfort level. Maybe you slip (which I’ve done with my fitness and weight in particular), maybe you don’t. But it’s sure as hell a lot harder to remember to work for what you want once you sort of reach your goals.

This applies to my writing, fitness, weight, work, just about everything. I’ve recently had good reason to look at where I’m at and realize that I have been coasting for a long time. I haven’t been writing enough, for one thing. But I’m back in the swing of things now and am making progress on pretty much all fronts.

What about you? Do you need a wake-up call? Get out there and do something to better your life.

P.S. I got off my ass and did 1.5 miles on the treadmill this afternoon. It’s not much, but it’s a start.