Last night’s blizzard dropped a ton of snow in Tinton Falls as well as the rest of the northern Jersey Shore in Monmouth County. Here are some pictures from the last few hours of my roommates and I (and the rest of the neighbors) digging out of our development in Fox Chase. It wasn’t fun – especially since my roommates and I only had a beat-up kitchen broom and ice scrapers to get ourselves out!
Pictures from Last Night’s Snow
If you live on the northern Jersey Shore, then you know that last night a gigantic storm dumped a butt load of snow all over the place! Take a look at the pictures below to see what the accumulations looked like around 10:00pm in the Fox Chase development in Tinton Falls. It’s about time we got some snow!
I Absolutely Hate My Daily Commute
Each day I drive an hour to Trenton and then an hour (or sometimes longer) back home to Tinton Falls. Once a week, I go from Trenton right to West Long Branch for the class that I take in communication. Some people who make a similar commute may suggest that it really isn’t an hour from Tinton Falls to Trenton and back, but rather that it’s more like 45 minutes – which is true, assuming that there is no traffic and you’re going 75mph the entire time. However, like all morning and rush hour commutes, it is rare that you don’t hit traffic on the road.
In particular, there are three things that I hate about my commute. First, I hate the length of time that I’m in the car because it really is wasted time. Second, I hate the additional expenses in fuel and maintenance costs for traveling so much. And third, I hate the fact that the commute completely exhausts me every morning and every afternoon.
It would be great if I could find a job that was similar to the one that I have now, but located in Monmouth County. However, that’s very unlikely to happen any time soon so I’m out of luck. I’ve always been taught that you typically change careers several times in your adult life and there is a possibility that I could be ready to change careers. Yet, I’m making okay money where I’m at and doing a job that I somewhat enjoy, so I don’t see the need to switch careers at this point. Plus, the only other occupation that I’d rather have right now is to be a college professor. In order to do that, though, I’d need to go back to school and get a doctorate degree and I’m not overly interested in going through that at this point in my life.
My job is somewhat flexible in terms of the commute in that they let me work from home each Friday. This is a great feature because I can run errands in the morning and do tasks in my home in the afternoon, but it still means that I’m wasting more than 8 hours each week by sitting in a car. And it’s not like I can even be productive during those 8 hours because the cell phone that I currently have has a broken 3.5mm ear jack port. Sure, I could use a Bluetooth connection, but it seems to me that no one can ever hear you clearly on the other end of those things.
So, if you have any tips on how to hate my commute less, I’m all ears…
Overscheduled…And Exhausted
Here, at nearly midnight, I am just settling in to read through the bulk of my personal e-mails for the day. Today was another day created by evil in this week from Hell. I was supposed to close a loan today with a new client, but due to unprofessional complaining and yammering from a related party, that deal completely fell apart. It was the smallest deal that I ever put together for my job, but it was a great client – and now that deal is gone because this third party acted out like a child. Wonderful.
Today I drove from Tinton Falls to Plainfield to Trenton to Tinton Falls to West Long Branch and then back to Tinton Falls. Sure, it’s not the worst commute, but on this day from Hell it took up more than half of my gas tank. Aside from the gas, this ridiculous commute was demanded of me from my inept superior on Tuesday. I spent more time in the car today than in my office. Yippee.
This week sucks. The ONLY good thing about this week is the fact that my older brother got engaged last Sunday night. That’s GREAT news! 🙂
But the rest of this week? No good.
Off to bed for another marathon day tomorrow before this weekend…when I’m scheduled to be somewhere or do something from morning until night on both Saturday and Sunday.
Why My Health Insurance Sucks
Over the past few Fridays I’ve been making appointments with a variety of my doctors. I’ve seen an optometrist, a dentist, and my general care practitioner. Also, I’ve been back and forth to the pharmacist a few times to get some prescriptions that I need. This Friday I’m going to see a nutritionist, too. But I have to tell you, while I’m going to visit these various care providers, I’ve noticed that my insurance pretty much sucks in all respects.
Below is the bulk of a text of an e-mail that I sent to one of the leaders at my job. The purpose was to explain all of the problems that I’m having with the insurance – frankly, some of this stuff is insane…
Prescriptions: The most aggravating issue that I have is the prescription coverage. My doctor prescribed a certain drug for a condition that I have, but he gave me free samples to use first. Once the free samples were completed, I tried to get the prescription filled and the pharmacy told me that the insurance company didn’t cover the medicine (first they said I wasn’t in their system – a recurring theme as you’ll see). Instead, I have to take two generics – the free samples that my doctor gave me were working very well, too. I don’t mind taking the generics, but now I’m inconvenienced with taking two pills instead of one.
Additionally, I tried to fill the generic prescriptions and one was approved with no problem while the insurance company wouldn’t immediately approve the second one. They wanted additional information from my doctor, which the pharmacy requested. The Pharmacist said that the process should take no longer than 2 – 3 business days, so given the upcoming holiday, I might not be able to get my medication until after Labor Day. [Note: I wrote this e-mail on Wednesday, September 2nd]
Gym Reimbursement: The insurance company has a Healthy Lifestyles program that I am enrolled in. This program offers $150 for reimbursement of gym membership expenses if you go the gym 120 times in a given year. When I switched to my new gym in March I asked if it was covered in the program and they said yes. On a following call with the insurance company, they told me that the visits to this gym would only count if they were made in between certain times of the day (basically when we’re at work). That effectively kills my ability to claim this reimbursement and it makes their program useless.
Request for Information: In one of these calls to the insurance company, I asked them for a package of information that detailed all of my benefits because I, unfortunately, lost the package that the secretary gave me when I was hired (I lost it in the move to Tinton Falls). They sent me a package for those members who are 65+ years old living in Somerset County. I called them back and told them that they must have the wrong guy and that I was 28 and living in Monmouth County while being employed in Mercer County. They apologized and sent out a new package…the same package as the first time. So I threw out both packages since I’m not a senior citizen living in Somerset County and gave up trying to ask them for a listing of my benefits.
Delta Dental: When I went to the dentist two weeks ago, I had to wait an hour before I could be seen by the doctor because the assistant was told by Delta Dental that I wasn’t in the system. Apparently, she called a few days prior to my visit and I wasn’t in the system then, either. I gave her our office contact information, but I was in the dentist’s office at 8am for an 8:15am appointment so there wasn’t anyone in our office who could help that early on a Friday morning. After waiting on hold and going back and forth with the insurance company, I was magically found in Delta Dental’s system and able to see the dentist at 9am.
Optometrist: The insurance company subcontracts their vision coverage to a vision company. I went to the eye doctor about four weeks ago and it took them over an hour to figure out how to bill me AFTER I had seen the doctor. They were on the phone with the insurance company who took no ownership over their contract with the vision company and said that I wasn’t even in their system (they eventually found me). So the eye doctor’s office called the vision company, who said to contact the insurance company. This went back and forth until someone finally got on the phone and figured out what to do and how to bill me.
Pearle Vision: When I was getting my glasses at Pearle Vision, the person helping me pulled up our company’s specific plan with the vision company and it cited that we had a really great plan that covered some parts of the equipment (great discount on lenses). Then when he called the insurance company to get some confirmation number, they wouldn’t speak to him and put him through to the vision company, who bounced him back to the insurance company, who ultimately said that we had no equipment coverage. The folks at Pearle Vision were baffled since their information (which had been updated about two weeks earlier) clearly showed all of the equipment coverage that we should be getting on our plan.
This is where my e-mail ends. However, there is an addition to this mess…
Nutritionist: It turns out that my nutritionist visit (which is essentially preventive care – the stuff that everyone in America should be engaged in) is not covered either. You see, my nutritionist is not registered as a medical care provider and thus can only enter a certain billing code to the insurance company. Well, my plan doesn’t accept that billing code – they only accept nutritionists that bill as medical offices. So I have to pay for this visit out of my pocket.
Here’s my question – if I’m paying for health insurance and I have all of these needs that aren’t being met by the insurance company…why am I paying for health insurance again?
