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  • Flood insurance: Are you sure your home is covered?

    Posted Apr 23 2008, 06:35 AM by Karen Datko Rating:

    This post comes from partner blog The Dough Roller.

    I've been talking with my insurance agent over the past few weeks about flood insurance. It may not be as exciting as Dr. Phil's marital debacle, but then again, Dr. Phil is unlikely to destroy my home.   Read More...

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  • What a 9-day hospital stay taught me about health insurance

    Posted Mar 05 2008, 07:51 AM by Karen Datko

    This post comes from partner blog The Dough Roller.

    2008 has been a difficult year. On Dec. 30, I rushed my wife to the emergency room. She had severe abdominal pain and was literally doubled over as we raced to the hospital.

    When morphine didn't dull the pain, they moved to Dilaudid, which is much stronger. It took the edge off the pain. Then the vomiting started. Ten hours and many tests later, they released her. They didn't know what the problem was, but the medicine had reduced her systems.

    After a restless night, the pain returned, and off we went to the hospital at 5 a.m. This time we spent 13 hours in the emergency room before she was admitted. More tests, more guesses, more pain and more vomiting.

    By Jan. 2 (happy new year, by the way), they had narrowed the problem to one of her kidneys and scheduled a procedure for later in the week. The procedure went well, and everything seemed to be resolved.

    She was discharged that day. Five hours later the pain and vomiting returned. We were off to the emergency room again, she was admitted and had the same procedure. She was discharged the next day, nine days after the ordeal had begun.

    She's doing much better now, although there are a number of follow-ups yet to go. They think the problem has been resolved, but they aren't certain.

    I give you all of this background so you can better appreciate the following four things this experience taught us about health insurance (we have preferred-provider organization or PPO insurance).   Read More...

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  • How far would you go to cash a 35-cent check?

    Posted Jan 23 2008, 05:56 AM by Karen Datko Rating:

    This post comes from partner blogger The Dough Roller.

    Would you cash a 35-cent check? Two days ago I wouldn't have known the answer to that question. Now I do, and, I'm sorry to say, the answer for me is yes. Yesterday I spent 30 minutes traveling to my bank and back to cash a 35-cent check.

    Here's the story and what I plan to do with my spoils.

    Two weeks ago I received a letter from my health insurance carrier. Excited to be receiving an unexpected check, I tore into the envelope and retrieved a check written out to me for the grand sum of $0.35. I went to chuck the check into the trash bin, but some unknown and unseen force held me back.   Read More...

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