Something Doesn’t Add Up

Correct me if I’m wrong, but something about this scenario doesn’t make sense.

For a family of 3 we pay $806 a month for medical and pediatric dental insurance. We pay this because we own our own company and only having 2 employees does not qualify us for a “business” health insurance plan, therefore we have the individual (family) health insurance plan. This also does not include adult dental insurance because by law only pediatric dental insurance is mandated. So our premiums amount to $9,672 a year out of our own pocket. We have a deductible of $6,350 per person. That adds up to $19,050 a year. That is the out of pocket money we have to spend for anything other than an office visit or wellness visit. And of course for those we still have our $20 to $50 copay depending on the doctor. But for the sake of this argument I’m only basing this on the premium and deductible amounts. So the total for the year between premiums and the maximum deductible is $28,722.

Now generally we try to avoid going to the doctor as much as possible. All three of us are in good health, with a few minor issues that have been creeping up due to the aging process. There are no major conditions such as diabetes, heart disease, terminal illness, you get the idea.

This year has presented us with a few health issues that have been diagnosed and advised by the doctor to be taken care of. The total cost for one procedure was $3,188.78. Another procedure was $575.87. This all went towards the deductible for one family member. So now out of pocket we have paid $3,764.65, the insurance company has paid $0. So in keeping with the math, we have paid out of our own pocket $13,436.65 so far for the year. (This is our yearly premiums plus out of pocket expenses). Again, the insurance company still has paid $0. Yes, it’s less than the $28,722 if all three of us had met our deductibles and paid the premiums for the entire year. But even if we did that, the insurance company still would have paid $0 and I’m still out $28,722.

My question is this – why then must I have health insurance that isn’t paying for anything? I get absolutely no benefit from the insurance company. If I don’t have insurance I get fined by the federal government. If I didn’t have insurance this year I could have saved $9,672. This could have gone into an interest bearing account for say my child’s college education, or an emergency fund if something catastrophic should have happened. I could have also used that money to pay for the expenses that we did have and still have some left over. I get that there are those who didn’t have insurance, who needed insurance, who can now get supposedly affordable insurance. I also get that it’s possible tomorrow, next week, or next year one of us could be diagnosed with some awful, terrible disease. It’s also possible that I’ll live to be 100 and be perfectly healthy that entire time too. What I don’t get is why is this being forced on me, making me pay for something that is not benefiting me in any way, and based on the letter I just received getting more expensive next year? I just don’t understand.

VidCon 2015

vidcon-logoSo I’m just back from VidCon 2015 in Anaheim California. For those who don’t know, VidCon is a convention of YouTube creators, producers, industry types, and fans. Lots of fans. Mostly girls from what I can tell, between the ages of 12 and 24. These days it’s hard to tell the age of some of them based on clothes, makeup, height, and just the general way they carry themselves.

While I wasn’t actually attending the convention, there wasn’t a need for me to spend money on a ticket, I was at the Hilton hotel and convention center where everything is taking place. It gave me the opportunity for a bird’s eye view (being on the 11th floor we got to see a private YouTube party Thursday night – more on that in a bit), as well as a street level view in the lobby, the restaurant, the gym and the pool.

Here are just a few random observations.

  • Girls travel in packs. I guess they always have. I know I did at that age. And they are always on the look out for whoever their favorite creator, just in case they can get that selfie they are always chasing. It got to the point that the hotel had to set up security checkpoints in order to verify that you were actually a guest and had reason to be going up to the rooms. Some of these packs were downright rude, in one case immediately closing the door and not letting people on the elevator who had already been waiting a while. I know because I was one of the people who had been waiting.
  • You never know who you will randomly meet. One morning I shared the elevator with Drew Scott of HGTV’s Property Brothers. Personally I had no idea who he was at first. It wasn’t until someone else in the elevator asked why he wasn’t wearing a “yellow badge” (for the featured creators) and he said he was just here as a producer, not an actual creator. Super nice guy, polite and no ego on display during the ride or on the walk down the hall, since we were staying on the same floor.
  • Even if you’re not attending the convention, there is still a lot of walking involved. We didn’t rent a car, there wasn’t a need to, but place we’ve wanted to go for dinners have been at least 1/2 a mile to a mile away, so we would walk. Downtown Disney, which is a public area (no ticket required) is also a must stop and see place while we’re here, so we’ve walked there at least 3 times. And while the teenager is at the convention, I’m occupying my time at the gym and in/around the pool, so add that extra exercise in and let’s just say, my muscles are feeling it.
  • It was nice to see on the agenda panels discussing issues that are relevant to the audience that is attending. There was a mental health panel addressing anxiety, depression, cutting and other current issues teens and young adults are facing. There was a LGBTQ panel and then meet up as well. There was no tolerance for bullies (one attendee/creator was kicked out of both the convention and the hotel). As a parent it made me feel a little better about letting my 15 year old explore and do her own thing without me having to hang around all the time.
  • All in all things seem to operate much more smoothly this year. The only hiccup was on Wednesday evening. The e-mail attendees received said registration would be open until 8 pm. The website also had this listed as the time for registration. The sign outside the convention center where they were supposed to go to register had 6:00 pm printed as the closing time. This led to some confusion when the girls got there at 7:00 pm they found out that it was already closed. Because of this it took away some of their time from the following morning. With an event this large I know there are bound to be mistakes, but when it comes to registration and associated signage/messaging this should have been caught beforehand.
  • Thursday night there was a private party for what appeared to be the featured creators, industry types, and invited guests. This was what we were guessing since we we’re actually watching from the 11th floor and the party was on the 5th floor lanai area. The teenager actually spotted quite a number of creators that she follows, so you would randomly watch them throughout the crowd to see who else she could spot at the party. It was something like a real life “Where’s Waldo?” or in this case “Where’s Phil?” game. It turns out we must not have been the only ones doing this because suddenly party goers started shining their phones lights up at the rooms and waving hi. Of course we got in on that fun, waving back and using our flashlight apps to signal as well. Neither one of us has any idea who most of the people were that interacted with us, but it was a fun memory made during the conference.
  • You pretty much are running on adrenaline the entire time you are there. As an attendee you are rushing around, trying to get to signings, panels, events, and meet-ups. Food, who has time to eat? As a parent, you are on a heightened level, because you will get the “OMG I just met fill in favorite YouTuber’s name here!!” text accompanied by a picture of said event or the “I’m staying out later. Is that okay?” text, or the sobbing, hysterical, breakdown phone call because they have finally reached the limit of over stimulation and absolute exhaustion. (Thankfully we didn’t have that happen this year, but it has happened). You’re getting up early to try and get breakfast, then up late because all the events of the day must be rehashed and replayed over and over and over.

All in all, a great time was had by all. The teenager had a blast meeting her favorite creators, giving them her personalized artwork, I was able to get in some good, quality time with her too, and had a chance to relax poolside and enjoy the southern California sunshine. Now to rest up, because I know we’ll be doing this all again next year.

Not A Resolution

weight-scale2For the past 3 1/2 years I’ve been working out with a trainer (and some on my own). It’s been hard work, but the results have definitely been worth it. When I first started I was coming in at around 186 pounds. At 6 feet tall (or 5 foot 12 inches as a friend used to say) I was able to carry the weight without most people noticing too much. But I noticed and it bothered me. I didn’t like the size clothes I was wearing, having a hard enough time finding things to fit right because of my height, my weight didn’t help either.

Working with a trainer has probably been one of the best things I could have done. It helps to hold me accountable, not only getting to the gym, but also because he checks in with me to see what I’m eating, if I’m doing workouts on my own, and making modifications based on how my body is responding and if there are injuries to be considered. And even after working with him for as long as I have, the workouts are never boring, never the same.

Over the past year I have also been using a program to track the cardio portion of my workouts. These are primarily my warm ups before sessions with the trainer and a couple of hours on my own during the rest of the week. What surprised me was the totals that I reviewed when I looked at my “lifetime” achievements. Since I started tracking last January I have worked out for 246 days (out of 356, give or take a day), I have completed 117 hours and 55 minutes, for a distance of 1,322.81 miles and a calorie burn of 59,266.

I have also made dietary changes, because exercise alone is not going to give me the results if I’m still consuming too much or the wrong things. Don’t get me wrong, I still have sweets on occasion, and bread (my biggest weakness) and other foods that most diets would tell you are “forbidden”. But they are in moderation along with adding a lot more of the healthy things I should be eating. And the results of all this, I have lost and kept off 25 pounds, I have gone from sizes 12/14 to sizes 6/8, I sleep better, I’m more flexible now than I’ve been in years past, and just the other day I was actually able to run sprints and not experience pain or ill effects (something doctors told me I shouldn’t do because of my knee issues). I don’t say this to brag, I just share it as an example of what can happen when you make a change and stick to it.

I’ve also learned something else important in all this. You have to find what works for you. All these crash diets, plans, and workouts that are out there are only as good as you make them. If you aren’t going to enjoy what you are doing, if you think it’s a drag or a chore, you won’t get the results you want. And until you are ready to fully commit to the change, it’s just another resolution you make at the beginning of the year that will be forgotten in just a few short months (or weeks).

And now I’m off to the gym, because now when I don’t go, I miss it.

A Tale of Two Experiences With Customer Service

I am big believer of treating others as you would like to be treated. So when I have to call or have some sort of customer service interaction I keep this rule in mind. Recently I have had two customer service experiences that were about as opposite as you can get.

The first experience was at our local veterinarian. Both the dog and cat were due for refills of their flea medications. When the husband called to request these he was told that the animals would need to be seen for an exam before they could refill the prescriptions. Because it was close to the holidays and knowing how much that was going to be, he requested that the appointment be after the first of the year. They agreed and said they would dispense a one month refill to get us by until then. It would take 24 hours before the refill was ready, but we could pick it up anytime after that. Fast forward two days – we stopped by the clinic to pick up the medicine at 2:00 in the afternoon. When I got out of the car I was met in the parking lot by one of the staff who asked me what I needed, note “what I needed” not “how can I help you?”. I told her I was there to pick up medicine for our animals. Without asking any questions or giving me a chance to explain any further, she informed me they were in the middle of a staff meeting and that I would have to come back after 3:00. She did not ask what sort of medicine it was, if it was any kind of emergency situation, just that they were unable to serve me during their regular business hours. The tone in her voice was one of inconvenience, as though I was interrupting a highly critical procedure or crisis. Never mind that I was the customer, there during their normal posted hours, attempting to give them my money. Based on her attitude and the utter lack of communication on their part, we will no longer be doing business with this clinic.

The second experience I had was with an insurance company. I went in expecting the worst, mainly because it’s health insurance and past experiences of dealing with them while working for a chiropractor some years ago. After getting through a ridiculous number of prompts and irrelevant information I reached an actual live person. Darren was very pleasant from the get go and easy to understand (always an added bonus these days when calling what I expected to be a call center). I explained my situation to him, confirmed the answers to his questions, and he was able to take care of my issue without any hair pulling, up selling or any other hoops that I would have to jump through. A few things that stood out from this experience were the fact that it was not a call center that I had reached, but the actual insurance company offices, that they have a significant number of long term employees and they promote from within, and lastly, that when you address a cs rep by name they are quite surprised and pleased that you took the time to notice and use their name. Darren even went so far as to thank me for using his name and said most people don’t do that and typically start off the conversation by yelling at him. I don’t understand this logic. If you are calling someone for help, why would you be so combative right off the bat? Would it hurt to take a minute, address them as a human being with a name, explain the situation, and let them try to help you to the best of their ability. While the call did take almost a half an hour, we had a pleasant chat during the wait time, he shared with me a bit about the company and their work environment, and proved to me that this was a company I would continue to do business with based on the way they treat their employees and customers. And it turns out the problem I had was a computer glitch and an easy solution was found.

So as we approach the end of this year and look forward to a new beginning in 2015 I challenge you to keep in mind this one simple rule – treat others with the same respect as you would have them treat you. You’ll be amazed how much more pleasant and enjoyable your life can be.