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Joined 1 year ago
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Cake day: December 19th, 2023

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  • Yes in 2018, the TX Supreme Court struck down plastic bag bans in Laredo even though the small city was saving something like $250,000/year in waterway cleanup. The other cities, including Austin, that had a plastic bag ban lifted their ban after the court ruling.

    It was great under the bag ban, the cities were so much cleaner. Grocery stores all had some thicker Reusable plastic bags that could be bought and would hold up for a long time as long as you didn’t overfill them. They also sold cloth bags, not to mention the people carrying Ikea bags around the stores.



  • Don’t forget, insurance covers 50% before the deductible is met, not after. When a policy has that verbiage, usually there’s a footnote that states how those claims are handled in the future. From what I’ve seen, that could mean that insurance will cover 100% of said procedure after the deductible is met or it could mean a co-insurance of 30%.

    After the deductible is met, OP won’t necessarily pay 50%. The percentage of the bill that OP and/or insurance will pay will be on a footnote at the bottom of the blue plan overview page (at least it’s blue when looking at plans from the ACA marketplace).


  • If you’ve met your deductible, you may not owe for the upcoming procedure.

    However, you’d need to look at your policy or call the insurance company to see if the procedure counts towards your deductible. Normally the plan specifies that its 50% before the deductible and by an asterisk or buried somewhere in your plan’s terms, it may say that it’ll be 100% covered after tour deductible is met.

    Is your deductible and out-of-pocket max the same? If you’ve met both, you may not even owe a copay. If you still haven’t met the out-of-pocket max, you will still owe co-pays.

    Your plan documents or the company will be able to give better answers, as companies and plans can be very different in how they cover things.