From what I’ve gathered, almost every insurance provider has a waiting period—usually at least 15 days, sometimes even 30—unless you’re just renewing an existing supplemental plan, in which case it just carries over. Most also require at least a month's notice if you want to cancel, though some public options like the CDC or Medicare require three months' notice before the expiration date.
Honestly, it’s really on you if you didn't read the section regarding contract termination before signing... it's usually just two sentences under a specific subheading, so there's no need to slog through the entire contract.😉
I noticed that Allstate currently offers a supplemental policy for only $15 per month, plus a 5% discount if you pay the full year upfront. However, their terms state the insurer can adjust the premium during the coverage period—so I'm a bit confused... if I pay for the whole year at once, can they still hike the price on me for that same year?
Also, has anyone else noticed if other companies include that same kind of clause in their fine print?
To start things off, try this: squeeze out a lemon, mix in 2-3 teaspoons of honey—make sure it’s the real stuff from a local farmer's market, not that processed syrup you find at the grocery store—and add 15 drops of propolis. Stir it all up and take it one spoonful at a time using a plastic spoon... do this twice a day. If you don't have any propolis on hand but you do have honey and lemon, just go without the propolis until you can pick some up.
Megan Williams5 said:This is such a great topic—I’ve read so much useful stuff here—but I’m honestly not sure if any of it actually fixes sinus issues for good. I was diagnosed with chronic sinusitis about 10 years ago. Things were much better over the last five years because I spent so much time at the beach, which really helped. I went from having about 20 flare-ups a year down to just a few.
And then, since I didn't make it to the coast last year, my sinus nightmare started back on May 1st and hasn't stopped. First, life got super stressful and my immune system just tanked. I went to this party, came home, and suddenly everything went south—total congestion. It had never happened to me like this before, so I panicked, which obviously made everything worse. My 13-year-old brother, who deals with heavy allergies, was trying to comfort me and telling me to just relax so I'd feel better. The next day, the choking sensation returned, so I hit the ER, took some Claritin, and felt a little better. But it wasn't sticking. A week later, I saw my doctor, and she put me on antibiotics. I finished them yesterday, and well, yesterday things went downhill again. Congested sinuses, runny nose, coughing, post-nasal drip... at least it hasn't hit my bronchi yet, otherwise I'd be suffocating.
It looks like I'll have to redo my allergy testing, since I used to only have very mild allergies to feathers and dust. I haven't had a CT scan, so I don't know if I have a deviated septum, though it's possible given my dad has sinus issues. On top of that, my mom and brother are massive allergy sufferers. I don't even know what to do anymore—I've been fighting this non-stop for 20 days... inhalers, Tylenol for the mucus, Claritin, antibiotics... nothing is working. 😢
Squeeze out a lemon, mix in 2-3 tablespoons of honey (make sure it's real local honey, not that cheap stuff from the grocery store), and add 15 drops of propolis. Mix it up and take it by the spoonful using a plastic spoon—just let it sit under your tongue for a bit before swallowing (do this twice a day). If it's a bacterial infection, try squeezing a lemon and finely chopping a clove of garlic, let it sit for 15 minutes, and then add the honey. These are just natural remedies, so they shouldn't hurt you if you want to give them a shot. Along with that, you should probably rinse your sinuses with saline or get one of those Neti pots from the pharmacy to clear the congestion and get that buildup out. If you can't get that, start with the stuff above and hopefully you'll see some improvement.
Whenever I'm dealing with upper respiratory issues—think nasty colds or sinus congestion—I rely heavily on saline solution. I end up going through two or three of those large bottles every single day So, in my book, that sounds exactly like what you were suggesting
Brenda Cooper3 said:Honestly, I don't get why everyone is making such a huge deal out of this! The very same people you're complaining about will be the ones treating you tomorrow! It's not like they're some weird, voyeuristic group of outsiders! Instead of being glad there are smart young people actually wanting to become doctors, you guys are just sitting here tearing each other apart! We aren't living in the Middle Ages where a bit of skin is some massive taboo topic... Get a grip! 🙄
It’s really not a conflict—everyone has the right to decide what they're comfortable with or not. Personally, based on my own views, I wouldn't allow it, and if I were ever put in that position, I'd fight to make sure it stayed that way. But there are millions of others with different perspectives who would be fine with it, so I honestly don't see the big drama here.
I recently stumbled upon these incredible jeans from a brand called ONLY—honestly, I’d never even heard of them before—but they are absolutely perfect😁 The fit is just seamless, even the length is spot on... I'll check back in a few months regarding the quality and yeah, I am totally loving my shopping trip here in Los Angeles😍
Morgan Wilson7 said:😂😂😂😂 lol... well, she’s clearly enlightened us all about how life works...
it was the same story for me—ended up in the ER because my stomach was killing me, and they told me I had some kind of internal inflammation, and I was just like 🙄🙄 give me a break... 🙄 ☕
And honestly? If someone spends years sleeping in socks instead of actually seeing a doctor to fix their circulation issues, then yeah, maybe they do need a little reality check...
Having ice-cold feet—to the point where they won't even warm up after sitting under a blanket for a while, or stay cold even in the middle of July—can be a sign of much more serious circulation issues
Zachary Kern6 said:Not exactly, it should be the first day of next month... I'm pretty sure that's how they decided on it... though it wouldn't be hard to double-check the details on the Medicare website
I mean, if you just happen to stumble upon an aunt who thinks she knows everything, one of them was trying to convince me just 15 days ago that the maximum I’d have to pay was $1000. But then I actually looked things up online, and it turns out there are separate limits for everything—like $1000 for surgery, $1000 for hospital stays, $1000 for various tests... so the total bill they hand me when I'm discharged could end up being way higher than $1000