KenDurf

KenDurf t1_j6n6z3z wrote

I’m no HVAC guy but I do have a decent amount of chemistry - anything will freeze under the right conditions. We’re getting to some laboratory levels of cold and I prefer to be cautious over having an issue with the thing keeping the water in my pipes from freezing. I like OP’s thermometer suggestion.

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KenDurf t1_j6n1xoy wrote

I have an unheated basement where my oil tank and boiler are. Do I need to keep an electric heater on to avoid the oil in the unheated basement from freezing? I guess heating oil just gels, and that happens at 16 degrees, so my assumption is that the system will be fine but you know what they say about assumptions!

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KenDurf t1_j6mwt6p wrote

To add to this, my therapist doesn’t take my insurance so it falls into “out of network.” If your insurance has gotten better, and you have them on the phone, also ask about medically necessary out-of-network costs. They often put the deductible absurdly high but you might be able to get out of network care and then get reimbursed on the backend after you hit your max.

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KenDurf t1_j6l3u3x wrote

Just avoid the subscription services (imo they’re a money grab.) You want services straight from a clinician, not Talkspace or Cerebral, or whatever they push on your algorithms.

I’m in the midcoast area but found providers through psychology today. I tried three before finding my person. My therapist was originally booked up, put out feelers on my behalf, and I asked to be put on their waitlist. Six months later they had an opening, I had been receiving care through one of their referrals and it wasn’t perfect so I made the choice to move. Best choice ever. I can’t echo the other commenter’s post enough - it’s all about finding the right person.

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KenDurf t1_j0i5mtb wrote

Reply to your edit about Maine’s thresholds. They could do that but it would have to be state-only money. The traditional non-expansion population is covered 69.5: 30.5, federal dollars to state dollars. The expansion population was covered at a higher rate to encourage states to expand so we’re getting more like 90/10 federal to state. I was a wonk in Colorado before moving here so I’m less versed on MaineCare but expanding eligibility to cover the gap would either require a state plan adjustment, an advanced planning document, or another document to continue to ensure federal financial participation.

TLDR: to cover these people the state would need a disproportionate amount of money due to which FMAP these folks would fall into. Also, we would have to ask the feds usually.

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KenDurf t1_j0i4fxe wrote

There is a world where someone could loose their benefits. Medicaid eligibility is notoriously behind so if you’re an individual in that situation, I’d recommend letting them locate the discrepancy.

My point was, if you put off raising minimum wage because a small subset of people would loose services, you do a different disservice. The Medicaid expansion (moving from 100 to 133 FPL) outweighs the increase in minimum wage since then.

It’s also worth noting that Medicaid expansion hoped for competitive private plans on the marketplace but in practice that hasn’t happened. So this hypothetical family where they don’t want an increase in their minimum wage pay because they’d loose benefits, should be able to purchase a federally subsidized plan off the marketplace - which they still can, it’s just expensive and worse care than Medicaid.

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