A long awaited victory

2025-12-20 09:31
[personal profile] andrewducker
9 years ago I bought Bloodborne as one of my first Playstation games.
I was rubbish at it.
I'd play for a bit, get stuck on Father Gascoigne, go play something else, come back two years later, repeat.

Today, having not played Bloodborne for months, I thought I'd give the fight a few goes through, to warm up on the game again. It took me at least ten minutes of wandering about to remember what the buttons did.

And then I beat him first time, without it even feeling that hard.

I made mistakes, I nearly died twice, and I'm not sure I *deserved* the win, but for the first time he felt clumsy, and like he was giving me space to breathe, and I wasn't panicking all the way through the fight.

And now I get to play the other 90% of Bloodborne.

(I'm now trembling quite a lot, as my adrenaline levels drop back to a reasonable level. If you'd like to see what the fight looks like, for someone rather better than me, here's an example).

JMG in NYC, updated

2025-12-17 16:35
[personal profile] ecosophia
NYCAs I noted a little while back, I will be in New York City this coming weekend, and plan to meet readers and friend who happen to be nearby on the evening of Saturday, December 20. We've got a place lined up -- Walker's Bar in Tribeca, at 16 N Moore Street (website) -- and a time -- I'll be arriving there right around 6 pm on Saturday. I look forward to seeing people there! 
[personal profile] mjg59
I recently won a lawsuit against Roy and Rianne Schestowitz, the authors and publishers of the Techrights and Tuxmachines websites. The short version of events is that they were subject to an online harassment campaign, which they incorrectly blamed me for. They responded with a large number of defamatory online posts about me, which the judge described as unsubstantiated character assassination and consequently awarded me significant damages. That's not what this post is about, as such. It's about the sole meaningful claim made that tied me to the abuse.

In the defendants' defence and counterclaim[1], 15.27 asserts in part The facts linking the Claimant to the sock puppet accounts include, on the IRC network: simultaneous dropped connections to the mjg59_ and elusive_woman accounts. This is so unlikely to be coincidental that the natural inference is that the same person posted under both names. "elusive_woman" here is an account linked to the harassment, and "mjg59_" is me. This is actually a surprisingly interesting claim to make, and it's worth going into in some more detail.

The event in question occurred on the 28th of April, 2023. You can see a line reading *elusive_woman has quit (Ping timeout: 2m30s), followed by one reading *mjg59_ has quit (Ping timeout: 2m30s). The timestamp listed for the first is 09:52, and for the second 09:53. Is that actually simultaneous? We can actually gain some more information - if you hover over the timestamp links on the right hand side you can see that the link is actually accurate to the second even if that's not displayed. The first event took place at 09:52:52, and the second at 09:53:03. That's 11 seconds apart, which is clearly not simultaneous, but maybe it's close enough. Figuring out more requires knowing what a "ping timeout" actually means here.

The IRC server in question is running Ergo (link to source code), and the relevant function is handleIdleTimeout(). The logic here is fairly simple - track the time since activity was last seen from the client. If that time is longer than DefaultIdleTimeout (which defaults to 90 seconds) and a ping hasn't been sent yet, send a ping to the client. If a ping has been sent and the timeout is greater than DefaultTotalTimeout (which defaults to 150 seconds), disconnect the client with a "Ping timeout" message. There's no special logic for handling the ping reply - a pong simply counts as any other client activity and resets the "last activity" value and timeout.

What does this mean? Well, for a start, two clients running on the same system will only have simultaneous ping timeouts if their last activity was simultaneous. Let's imagine a machine with two clients, A and B. A sends a message at 02:22:59. B sends a message 2 seconds later, at 02:23:01. The idle timeout for A will fire at 02:24:29, and for B at 02:24:31. A ping is sent for A at 02:24:29 and is responded to immediately - the idle timeout for A is now reset to 02:25:59, 90 seconds later. The machine hosting A and B has its network cable pulled out at 02:24:30. The ping to B is sent at 02:24:31, but receives no reply. A minute later, at 02:25:31, B quits with a "Ping timeout" message. A ping is sent to A at 02:25:59, but receives no reply. A minute later, at 02:26:59, A quits with a "Ping timeout" message. Despite both clients having their network interrupted simultaneously, the ping timeouts occur 88 seconds apart.

So, two clients disconnecting with ping timeouts 11 seconds apart is not incompatible with the network connection being interrupted simultaneously - depending on activity, simultaneous network interruption may result in disconnections up to 90 seconds apart. But another way of looking at this is that network interruptions may occur up to 90 seconds apart and generate simultaneous disconnections[2]. Without additional information it's impossible to determine which is the case.

This already casts doubt over the assertion that the disconnection was simultaneous, but if this is unusual enough it's still potentially significant. Unfortunately for the Schestowitzes, even looking just at the elusive_woman account, there were several cases where elusive_woman and another user had a ping timeout within 90 seconds of each other - including one case where elusive_woman and schestowitz[TR] disconnect 40 seconds apart. By the Schestowitzes argument, it's also a natural inference that elusive_woman and schestowitz[TR] (one of Roy Schestowitz's accounts) are the same person.

We didn't actually need to make this argument, though. In England it's necessary to file a witness statement describing the evidence that you're going to present in advance of the actual court hearing. Despite being warned of the consequences on multiple occasions the Schestowitzes never provided any witness statements, and as a result weren't allowed to provide any evidence in court, which made for a fairly foregone conclusion.

[1] As well as defending themselves against my claim, the Schestowitzes made a counterclaim on the basis that I had engaged in a campaign of harassment against them. This counterclaim failed.

[2] Client A and client B both send messages at 02:22:59. A falls off the network at 02:23:00, has a ping sent at 02:24:29, and has a ping timeout at 02:25:29. B falls off the network at 02:24:28, has a ping sent at 02:24:29, and has a ping timeout at 02:25:29. Simultaneous disconnects despite over a minute of difference in the network interruption.
[personal profile] ecosophia
still waitingWe are now into the fifth year of these open posts. When I first posted a tentative hypothesis on the course of the Covid phenomenon, I had no idea that discussion on the subject would still be necessary all these years later, much less that it would turn into so lively, complex, and troubling a conversation. Still, here we are. Crude death rates and other measures of collapsing public health remain anomalously high in many countries, but nobody in authority wants to talk about the inadequately tested experimental Covid injections that are the most likely cause; public health authorities government shills for the pharmaceutical industry are still trying to push through laws that will allow them to force vaccinations on anyone they want; public trust in science is collapsing; new revelations are leaking out about just how bad the Covid vaccines are for human health; and the story continues to unfold.

So it's time for another open post. The rules are the same as before:

1. If you plan on parroting the party line of the medical industry and its paid shills, please go away. This is a place for people to talk openly, honestly, and freely about their concerns that the party line in question is dangerously flawed and that actions being pushed by the medical industry and its government enablers are causing injury and death on a massive scale. It is not a place for you to dismiss those concerns. Anyone who wants to hear the official story and the arguments in favor of it can find those on hundreds of thousands of websites.

2. If you plan on insisting that the current situation is the result of a deliberate plot by some villainous group of people or other, please go away. There are tens of thousands of websites currently rehashing various conspiracy theories about the Covid-19 outbreak and the vaccines. This is not one of them. What we're exploring is the likelihood that what's going on is the product of the same arrogance, incompetence, and corruption that the medical industry and its wholly owned politicians have displayed so abundantly in recent decades. That possibility deserves a space of its own for discussion, and that's what we're doing here. 
 
3. If you plan on using rent-a-troll derailing or disruption tactics, please go away. I'm quite familiar with the standard tactics used by troll farms to disrupt online forums, and am ready, willing, and able -- and in fact quite eager -- to ban people permanently for engaging in them here. Oh, and I also lurk on other Covid-19 vaccine skeptic blogs, so I'm likely to notice when the same posts are showing up on more than one venue. 

4. If you plan on making off topic comments, please go away. This is an open post for discussion of the Covid epidemic, the vaccines, drugs, policies, and other measures that supposedly treat it, and other topics directly relevant to those things. It is not a place for general discussion of unrelated topics. Nor is it a place to ask for medical advice; giving such advice, unless you're a licensed health care provider, legally counts as practicing medicine without a license and is a crime in the US. Don't even go there.


5. If you don't believe in treating people with common courtesy, please go away. I have, and enforce, a strict courtesy policy on my blogs and online forums, and this is no exception. The sort of schoolyard bullying that takes place on so many other internet forums will get you deleted and banned here. Also, please don't drag in current quarrels about sex, race, religions, etc. No, I don't care if you disagree with that: my journal, my rules. 

6. Please don't just post bare links without explanation. A sentence or two telling readers what's on the other side of the link is a reasonable courtesy, and if you don't include it, your attempted post will be deleted.

7. Please don't post LLM ("AI") generated text. This is a place for human beings to talk to other human beings, not for the regurgitation of machine-generated text. Also, please don't discuss large language models (the technology popularly and inaccurately called "artificial intelligence" these days) except as they bear directly on the Covid phenomenon. Here again, my finger is hovering over the delete button. 

Please also note that nothing posted here should be construed as medical advice, which neither I nor the commentariat (excepting those who are licensed medical providers) are qualified to give. Please take your medical questions to the licensed professional provider of your choice.


With that said, the floor is open for discussion. 

Magic Monday

2025-12-14 21:25
[personal profile] ecosophia
or druidry, as the case may beIt's almost midnight and so it's time to launch a new Magic Monday. Ask me anything about occultism, and with certain exceptions noted below, any question received by midnight Monday Eastern time will get an answer. Please note:  Any question or comment received after that point will not get an answer, and in fact will not be put through.  If you're in a hurry, or suspect you may be the 341,928th person to ask a question, please check out the very rough version 1.3 of The Magic Monday FAQ here

Also:
 I will not be putting through or answering any more questions about practicing magic around children. I've answered those in simple declarative sentences in the FAQ. If you read the FAQ and don't think your question has been answered, read it again. If that doesn't help, consider remedial reading classes; yes, it really is as simple and straightforward as the FAQ says.  And further:  I've decided that questions about getting goodies from spirits are also permanently off topic here. The point of occultism is to develop your own capacities, not to try to bully or wheedle other beings into doing things for you. I've discussed this in a post on my blog.

(The image? I've finished the sequence of my published books; while I decide what I want to do next, I have some memes to share.)

Buy Me A Coffee

Ko-Fi

I've had several people ask about tipping me for answers here, and though I certainly don't require that I won't turn it down. You can use either of the links above to access my online tip jar; Buymeacoffee is good for small tips, Ko-Fi is better for larger ones. (I used to use PayPal but they developed an allergy to free speech, so I've developed an allergy to them.) If you're interested in political and economic astrology, or simply prefer to use a subscription service to support your favorite authors, you can find my Patreon page here and my SubscribeStar page here
 
Bookshop logoI've also had quite a few people over the years ask me where they should buy my books, and here's the answer. Bookshop.org is an alternative online bookstore that supports local bookstores and authors, which a certain gargantuan corporation doesn't, and I have a shop there, which you can check out here. Please consider patronizing it if you'd like to purchase any of my books online.

And don't forget to look up your Pangalactic New Age Soul Signature at CosmicOom.com.

With that said, have at it!

***This Magic Monday is now closed, and no further comments will be put through. See you next week!***
[personal profile] siderea
Canonical link: https://siderea.dreamwidth.org/1891517.html


This is part of Understanding Health Insurance





The Three-Stage Model



When you have health insurance, you have a contract (health plan) with the insurance company that says that for the duration (the plan year) of the contract, you will pay them the agreed upon monthly fee every month (the premium), in exchange for them paying for your health care... some.

How much is "some"? Well, that depends.

To understand what it depends on, you have to understand the three-stage model that health plans are organized around.

This three-stage model is never described as such. It is implicit in the standard terms (jargon) of the health insurance industry, and it is never made explicit. There is no industry term (jargon) for the model itself. There are no terms (jargon) for the three stages. But health insurance becomes vastly easier to understand if you think about it in terms of the three-stage model that is hiding in just about every health plan's terms (agreements).

Read more: 12,170 (sic!) riveting words about health insurance in the US] )

This post brought to you by the 221 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.

Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!
[personal profile] andrewducker
About a month ago Gideon watched a bunch of videos about Minecraft, asked if he could play it on her tablet, got a few pointers from me to get him going and then dove in and started building stuff. At an impressive rate considering that he can't read any word more than 4 letters long.

Yesterday I mentioned Minecraft to Sophia, and she showed interest, so I set her up on my desktop and she got stuck in. She's asked for more help than Gideon has, but has been happily building herself an underground house. And just now I wanderd into my office to see her on the desktop and Gideon sitting on the floor with his tablet, with the two of them intermittently showing each other cool things that they'd found.

So tonight, after they're asleep, I'm going to set them both up for online play, and rent a realm*, so that they can be in the same world with each other.



*I am totally willing to pay £3.99 per month to not have to maintain my own server.
[personal profile] siderea
So, I, uh, got my RSI/ergonomics debugged!* I then promptly lost two days to bad sleep due to another new mechanical failure of the balky meat mecha and also a medical appointment in re two previous malfunctions. But I seem back in business now. The new keyboard is great.

Patrons, I've got three Siderea Posts out so far this month and it's only the 12th. I have two more Posts I am hoping to get out in the next three days. Also about health insurance. We'll see if it actually happens, but it's not impossible. I have written a lot of words. (I really like my new keyboard.)

Anyways, if you weren't planning on sponsoring five posts (or – who knows? – even more) this month, adjust your pledge limits accordingly.

* It was my bra strap. It was doing something funky to how my shoulder blade moved or something. It is both surprising to me that so little pressure made so much ergonomic difference, and not surprising because previously an even lighter pressure on my kneecap from wearing long underwear made my knee malfunction spectacularly. Apparently this is how my body mechanics just are.
[personal profile] siderea
Canonical link: https://siderea.dreamwidth.org/1890494.html


0.

Hey Americans (and other people stuck in the American healthcare system)! Shopping for a health plan on your state marketplace? Boy, do I have some information for you that you should have and probably don't. There's been an important legal change affecting your choices that has gotten almost no press.

Effective with plan year 2026 all bronze level and catastrophic plans are statutorily now HDHPs and thus HSA compatible. You may get and self-fund an HSA if you have any bronze or catastrophic plan, as well as any plan of any level designated a HDHP.

2025 Dec 9: IRS.gov: "Treasury, IRS provide guidance on new tax benefits for health savings account participants under the One, Big, Beautiful Bill"
Bronze and Catastrophic Plans Treated as HDHPs: As of Jan. 1, 2026, bronze and catastrophic plans available through an Exchange are considered HSA-compatible, regardless of whether the plans satisfy the general definition of an HDHP. This expands the ability of people enrolled in these plans to contribute to HSAs, which they generally have not been able to do in the past. Notice 2026-05 clarifies that bronze and catastrophic plans do not have to be purchased through an Exchange to qualify for the new relief.

If you are shopping plans right now (or thought you were done), you should probably be aware of this. Especially if you are planning on getting a bronze plan, a catastrophic plan, or any plan with the acronym "HSA" in the name or otherwise designated "HSA compatible".

The Trump administration doing this is tacit admission that all bronze plans have become such bad deals that they're the economic equivalent of what used to be considered a HDHP back when that concept was invented, and so should come with legal permission to protect yourself from them with an HSA.

Effective immediately, you should consider a bronze plan half an insurance plan.

Read more [3,340 words] )

This post brought to you by the 221 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.

Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!
[personal profile] andrewducker
About two months ago, I had a nasty respiratory infection. And while I was lying awake one night, I could hear my heart beating quite loudly.

Having had multiple friends go to the doctor to check on something and then have the doctor tell them that they urgently needed medication before their high blood pressure did them serious damage/killed them, I thought I should pop in to the doctor for a chat.

They checked me on the spot, said my blood pressure was a little high, but nothing terrible, and told me to join the queue to borrow a blood pressure device. [personal profile] danieldwilliam gave me his old one, and I spent a couple of weeks taking results. Which mostly showed that my pressure is fine in the morning, but that after I've spent 90 minutes shouting at Gideon to stop bloody well mucking about and go to sleep, it's a fair chunk higher than it should be. They also sent me for an ECG (which showed I have Right Bundle Branch Block, a harmless and untreatable condition that affects 15% of the population), an eye test (which found nothing), and a fasting blood test (which showed I'm still not diabetic, even though I can't have sugar in my diet even slightly any more).

They then had a phone call with me to chat it through, said that I'm a little high (on average), and a little young for it to be a major worry, but if I was up for it they could put me on some pills for hypertension.. I agreed that it sounded sensible, and the doctor sounded positively relieved that she hadn't had to bully me into it.

The weird feeling is that this is the first time I've been put on to a medicine that I will have to take for the rest of my life. There is now "The time I didn't have to take medicine every day" and "The time where I had to take medicine every day". Which definitely feels like an inflection point in my life. (Endless sympathy, of course, for people I know who have to take much worse things than a tiny tasteless pill with very few side-effects.)

So all-in-all, nothing major. Just the next step. I'm just very glad for the existence of modern medicine.

Fairness for Reptiles

2025-12-11 11:45
[personal profile] ecosophia
turtleIn case you haven't noticed, conversations here and on my blog can get pretty strange sometimes. Yesterday was no exception. On the weekly Covid open post, we ended up discussing the way that Franklin the Turtle (an iconic Canadian children's book character) has been picked up gleefully by the meme artists of the populist right and used in ways well designed to get howls of outrage from Canada's liberal elite. The obligatory comment about evil reptilian overlords duly appeared, and it occurred to me just how unfair it is that we blame reptiles for the behavior of, say, Bill Gates. 

When I was a kid I used to keep pet snakes and lizards, so I'm fairly familiar with the behavior of reptiles. My experience is that, unlike certain plutocrats we all could name, they're not malevolent, power-mad, or crazed with insatiable greed.  If you keep them well fed with mealyworms, they curl up under the heat lamp and doze off, radiating a sort of sluggish squamous bliss.  I suppose we could try making Gates eat half his body weight in mealyworms, then stick him under a heat lamp and see if the same thing happens, but I have my doubts. 

bad 1990s sfThe whole "evil reptilian overlords" business, for that matter, comes from British sports reporter turned conspiracy theorist David Ickes. I get the impression that he spent too many late nights watching reruns of that dubious 1980s SF show V -- the source of the poster on the right -- in which evil reptilians from space disguised themselves as human beings and took over the world. (That's basically the theme of Icke's books.)  Since I'm not a fan of either the TV show or Icke's uncredited rewrites of it, I'd like to suggest that it's time to spare reptiles the utter ignominy of being associated with Bill Gates or any of the other usual suspects, and ask the natural question that comes to mind...

Just what are Gates et al.? 

(Or, if you want to be a little less conspiratorial about it all, what sort of life forms do they resemble?)

I'll look forward to your suggestions in the comment thread. My theory, at least for the moment, is that they're evil space opossums. Opossums like trash, right? (When I encounter one, it's usually raiding a trash can.)  The most obvious product of the people we're discussing, and the system over which they preside, is the mass production of trash. (When was the last time Microsoft released a product that wasn't total trash?)  They're all marsupial supremacists, I tell you...

In that jocular vein, I throw the comment thread open to researchers into the alien biology of kleptocrats. 
[personal profile] ecosophia
FranklinWe are now into the fifth year of these open posts. When I first posted a tentative hypothesis on the course of the Covid phenomenon, I had no idea that discussion on the subject would still be necessary all these years later, much less that it would turn into so lively, complex, and troubling a conversation. Still, here we are. Crude death rates and other measures of collapsing public health remain anomalously high in many countries, but nobody in authority wants to talk about the inadequately tested experimental Covid injections that are the most likely cause; public health authorities government shills for the pharmaceutical industry are still trying to push through laws that will allow them to force vaccinations on anyone they want; public trust in science is collapsing; new revelations are leaking out about just how bad the Covid vaccines are for human health; and the story continues to unfold.

So it's time for another open post. The rules are the same as before:

1. If you plan on parroting the party line of the medical industry and its paid shills, please go away. This is a place for people to talk openly, honestly, and freely about their concerns that the party line in question is dangerously flawed and that actions being pushed by the medical industry and its government enablers are causing injury and death on a massive scale. It is not a place for you to dismiss those concerns. Anyone who wants to hear the official story and the arguments in favor of it can find those on hundreds of thousands of websites.

2. If you plan on insisting that the current situation is the result of a deliberate plot by some villainous group of people or other, please go away. There are tens of thousands of websites currently rehashing various conspiracy theories about the Covid-19 outbreak and the vaccines. This is not one of them. What we're exploring is the likelihood that what's going on is the product of the same arrogance, incompetence, and corruption that the medical industry and its wholly owned politicians have displayed so abundantly in recent decades. That possibility deserves a space of its own for discussion, and that's what we're doing here. 
 
3. If you plan on using rent-a-troll derailing or disruption tactics, please go away. I'm quite familiar with the standard tactics used by troll farms to disrupt online forums, and am ready, willing, and able -- and in fact quite eager -- to ban people permanently for engaging in them here. Oh, and I also lurk on other Covid-19 vaccine skeptic blogs, so I'm likely to notice when the same posts are showing up on more than one venue. 

4. If you plan on making off topic comments, please go away. This is an open post for discussion of the Covid epidemic, the vaccines, drugs, policies, and other measures that supposedly treat it, and other topics directly relevant to those things. It is not a place for general discussion of unrelated topics. Nor is it a place to ask for medical advice; giving such advice, unless you're a licensed health care provider, legally counts as practicing medicine without a license and is a crime in the US. Don't even go there.


5. If you don't believe in treating people with common courtesy, please go away. I have, and enforce, a strict courtesy policy on my blogs and online forums, and this is no exception. The sort of schoolyard bullying that takes place on so many other internet forums will get you deleted and banned here. Also, please don't drag in current quarrels about sex, race, religions, etc. No, I don't care if you disagree with that: my journal, my rules. 

6. Please don't just post bare links without explanation. A sentence or two telling readers what's on the other side of the link is a reasonable courtesy, and if you don't include it, your attempted post will be deleted.

7. Please don't post LLM ("AI") generated text. This is a place for human beings to talk to other human beings, not for the regurgitation of machine-generated text. Also, please don't discuss large language models (the technology popularly and inaccurately called "artificial intelligence" these days) except as they bear directly on the Covid phenomenon. Here again, my finger is hovering over the delete button. 

Please also note that nothing posted here should be construed as medical advice, which neither I nor the commentariat (excepting those who are licensed medical providers) are qualified to give. Please take your medical questions to the licensed professional provider of your choice.


With that said, the floor is open for discussion.  
[personal profile] siderea
Canonical link: https://siderea.dreamwidth.org/1890011.html

This is part of Understanding Health Insurance





Health Insurance is a Contract



What we call health insurance is a contract. When you get health insurance, you (or somebody on your behalf) are agreeing to a contract with a health insurance company – a contract where they agree to do certain things for you in exchange for money. So a health insurance plan is a contract between the insurance company and the customer (you).

For simplicity, I will use the term health plan to mean the actual contract – the specific health insurance product – you get from a health insurance company. (It sounds less weird than saying "an insurance" and is shorter to type than "a health insurance plan".)

One of the things this clarifies is that one health insurance company can have a bunch of different contracts (health plans) to sell. This is the same as how you may have more than one internet company that could sell you an internet connection to your home, and each of those internet companies might have several different package deals they offer with different prices and terms. In exactly that way, there are multiple different health insurance companies, and they each can sell multiple different health plans with different prices and terms.

Read more... [7,130 words] )

This post brought to you by the 220 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.

Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!
[personal profile] siderea
Canonical link: https://siderea.dreamwidth.org/1889543.html


Preface: I had hoped to get this out in a more timely manner, but was hindered by technical difficulties with my arms, which have now been resolved. This is a serial about health insurance in the US from the consumer's point of view, of potential use for people still dealing with open enrollment, which we are coming up on the end of imminently. For everyone else dealing with the US health insurance system, such as it is, perhaps it will be useful to you in the future.





Understanding Health Insurance:
Introduction



Health insurance in the US is hard to understand. It just is. If you find it confusing and bewildering, as well as infuriating, it's not just you.

I think that one of the reasons it's hard to understand has to do with how definitions work.

Part of the reason why health insurance is so confusing is all the insurance industry jargon that is used. Unfortunately, there's no way around that jargon. We all are stuck having to learn what all these strange terms mean. So helpful people try to explain that jargon. They try to help by giving definitions.

But definitions are like leaves: you need a trunk and some branches to hang them on, or they just swirl around in bewildering clouds and eventually settle in indecipherable piles.

There are several big ideas that provide the trunk and branches of understanding health insurance. If you have those ideas, the jargon becomes a lot easier to understand, and then insurance itself becomes a lot easier to understand.

So in this series, I am going to explain some of those big ideas, and then use them to explain how health insurance is organized.

This unorthodox introduction to health insurance is for beginners to health insurance in the US, and anyone who still feels like a beginner after bouncing off the bureaucratic nightmare that is our so-called health care system in the US. It's for anyone who is new to being an health insurance shopper in the US, or feels their understanding is uncertain. Maybe you just got your first job and are being asked to pick a health plan from several offered. Maybe you have always had insurance from an employer and are shopping on your state marketplace for the first time. Maybe you have always gotten insurance through your parents and spouse, and had no say in it, but do now. This introduction assumes you are coming in cold, a complete beginner knowing nothing about health insurance or what any of the health insurance industry jargon even is.

Please note! This series is mostly about commercial insurance products: the kinds that you buy with money. Included in that are the kind of health insurance people buy for themselves on the state ACA marketplaces and also the kind of health insurance people get from their employers as a "bene". It may (I am honestly not sure) also include Medicare Advantage plans.

The things this series explains do not necessarily also describe Medicaid or bare Medicare, or Tricare or any other government run insurance program, though if you are on such an insurance plan this may still be helpful to you. Typically government-run plans have fewer moving parts with fewer choices, so fewer jargon terms even matter to them. Similarly, this may be less useful for subsidized plans on the state ACA marketplaces. It depends on the state. Some states do things differently for differently subsidized plans.

But all these different kinds of government-provided health insurance still use some insurance industry jargon for commercial insurance, if only to tell you what they don't have or do. So this post may be useful to you because understanding how insurance typically works may still prove helpful in understanding what the government is up to. Understanding what the assumptions are of regular commercial insurance will hopefully clarify the terms even government plans use to describe themselves. Just realize that if you have a plan the government in some sense is running, things may be different – including maybe very different – for you.



On to the first important idea: Health Insurance is a Contract.



Understanding Health Insurance

Magic Monday

2025-12-07 21:51
[personal profile] ecosophia
dream it and then do itIt's almost midnight and so it's time to launch a new Magic Monday. Ask me anything about occultism, and with certain exceptions noted below, any question received by midnight Monday Eastern time will get an answer. Please note:  Any question or comment received after that point will not get an answer, and in fact will not be put through.  If you're in a hurry, or suspect you may be the 341,928th person to ask a question, please check out the very rough version 1.3 of The Magic Monday FAQ here

Also:
 I will not be putting through or answering any more questions about practicing magic around children. I've answered those in simple declarative sentences in the FAQ. If you read the FAQ and don't think your question has been answered, read it again. If that doesn't help, consider remedial reading classes; yes, it really is as simple and straightforward as the FAQ says.  And further:  I've decided that questions about getting goodies from spirits are also permanently off topic here. The point of occultism is to develop your own capacities, not to try to bully or wheedle other beings into doing things for you. I've discussed this in a post on my blog.

(The image? I've finished the sequence of my published books; while I decide what I want to do next, I have some memes to share.)

Buy Me A Coffee

Ko-Fi

I've had several people ask about tipping me for answers here, and though I certainly don't require that I won't turn it down. You can use either of the links above to access my online tip jar; Buymeacoffee is good for small tips, Ko-Fi is better for larger ones. (I used to use PayPal but they developed an allergy to free speech, so I've developed an allergy to them.) If you're interested in political and economic astrology, or simply prefer to use a subscription service to support your favorite authors, you can find my Patreon page here and my SubscribeStar page here
 
Bookshop logoI've also had quite a few people over the years ask me where they should buy my books, and here's the answer. Bookshop.org is an alternative online bookstore that supports local bookstores and authors, which a certain gargantuan corporation doesn't, and I have a shop there, which you can check out here. Please consider patronizing it if you'd like to purchase any of my books online.

And don't forget to look up your Pangalactic New Age Soul Signature at CosmicOom.com.

With that said, have at it!  

***This Magic Monday is now closed, and no more comments will be put through. See you next week!***

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