My recent medical bill drama….
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- เผยแพร่เมื่อ 2 มี.ค. 2024
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I think the drybar vid suffered the same fate as some of the cnbcmakeit videos: if the person starting their business had inaccessible help (in her case, a big investment from her brother), people immediately drop relatability from anything she said or was going to say in her story. Everyone loves an underdog or rags to riches story because that feels more relatable to majority of yt audiences and thus more inspirational.
Hi Shelby - Personally, I think the difference with the drybar vs other videos is simply about the topic and how wide an audience is interested in clicking on it. The drybar video was lower traffic and so was the electric speedboat, but both of those have a limited demographic interest. Meanwhile, house hunting, travel hacks, AirBnB business, etc., all did well, probably because they apply to everybody (most people want to make more $$, most people want to own a home, and most people travel in some way). You've had lots of high quality videos do well, and only a few less well, and I think it's simply about how much of your audience is interested, as opposed to it being high-effort video vs less-effort podcast-style.
totally agree
Hi. Urgent Care Nurse Practitioner here… just here to say that the medical provider has absolutely nothing to do with the way your are billed and outside of our hands. It actually pisses me off to see how high those bills are because I assure you I get paid crumbs and am pushed to see an outrageous amount of patients. I am surely making the company thousands more than they are compensating.
That’s Not true at all!
Y’all code things according to what you do and those codes are given from the insurance (patient has private insurance). So maybe you should check with you MD or office manager what they code things are and how much things costs.
I realize it’s not your lane to know coding/prices but don’t come on here and tell us it’s out of y’all’s hands!
I AGRee Shelby!
That’s why I want to leave the US! I’m 54 and can’t afford insurance and don’t want to be on Medicare that is government insurance 😒
I think they fucked up! It would’ve been cheaper to go to the ER!
@@monicamcgahanI absolutely do not do my own coding. I would know, im the one doing it. There is a whole department that handles that. And I get paid the same amount no matter how many patients I see or how my visits are coded. So please step off- I think I know what I’m talking about.
Government regulation of any industry always results in higher fees and costs. Always. The free market brings those costs down.
I truly think no one cares about the high value content anymore bc there is soooo much of it. It doesn’t feel authentic there is no connection with a highly produced video anymore. I think it goes back to we are lonely and looking for relatable people now
Could it be that people are losing the ability to listen to another person discuss their incredible success whilst so many are struggling?
To add to this: I think it has to do with whether the video is relatable , maybe not so much to do with production value.
Just a thought: maybe experiment with creating a highly produced commentary video to see the response.
When I watch the commentary video it feels and sounds like the highly produced video without the visuals so I find myself listening to the video instead of watching the video.
The highly produced videos are much more engaging than the commentary video and I find myself drowning out the commentary and then find myself rewatching, whereas the highly produced video, I take time out of my day to watch the video, instead of playing as background noise.
Hopefully helpful.
@@ohthechitchatyes, I think it has more to do with this than high vs low quality content.
get out and do stuff to meet people
As an addon: I'm a viewer from Europe and I think thoughts on modern people's lifestyles could be more interesting for people all over the World than interviews with people they've never heard about 🥲
It’s all this co-insurance plus other fees. I’m sick and tired of our health care system. Also now, I get multiple bills for one visit from all these different providers vs one. It’s ridiculous!
Healthcare needs a complete overhaul here in the US
Absolutely, I watched an English lady say they charged 12,000 dollars for her to have her baby and now they are moving back to the Uk. 39 dollars to ‘hold’ your child after you have given everything to birth your kid and somehow you have to pay to hold your kid for a few minutes. Crazy. You should ALL be marching in the streets. It’s absurd.
I worked at a health insurance company over 20 years ago. Absolutely nothing has changed since then except costs going up.
@@ohthechitchat The US healthcare system is the biggest scam ever when you start comparing our healthcare system to other developed countries.
That will never happen with big phama everything just sky rocketed the past 3 years
I had a brand new car a few weeks it was dented in downtown LA
I have worked in Healthcare for 20 years and advocate for patients. I would love to explain how to get your bills reduced and some of the reasons our Healthcare is sooooo expensive. It would be a great topic for your chats. RVUs for billing codes differ from town to town so you can't compare LA to Palm Springs. Would Love to help. ❤
I agree and it would so cool for her to have an expert on to chat about it! I work front line in billing for a private contractor and god it’s the worst (the job and my coworkers aren’t just the system and how all these patients are stressed ):)
@AliMeetsWorld I bet it's awful. I do not miss billing at all. I do miss seeing my patients. They were fun. I think I might just make a video too. I think a lot of people could navigate their medical bills a bit better with little understanding of how the system works. 🤔
I believe the coding has to do with how critical your issue is and what is required for the service. I went in for a sinus infection and the bill was over $2000! I also tried to fight it. They billed it as an "emergency" and while the UCDavis medical system is ALWAYS more than others...this was insane. They did eventually re-code it but it was still $$$. Keep fighting the system Shelby! It does need an overhaul!
It's almost 10years I had gull stones. 16days in the hospital. It cost almost 300000. The insurance paid most of it. I got stuck with 5000. The was at desert regional in palm springs. This is why everything is off the charts. They charge crazy amounts
omg i go to uc davis. i just dont go to the uc davis system im stuck using sutter and its so much better :/
@@ManjarithePandicorn omg I had Sutter and then I had to switch to Kaiser and its a night and day difference. The Sutter hospital I went to was so much easier to deal with than Kaiser
@@dustinwilkins9084 whoa really? the thing is ive heard kaiser is better! ive had mediocre experiences everywhere tbh but on average sutter has been decent
For the soup I would season and brown the chicken in one pot. It will help develop all the favors and give the soup a nice depth.
I was going to say that. Toss the onion in and brown with the chicken if in the recipe and then deglaze the pan with broth and add that too the stock. 🤤
Hey Shelby- one thing I think to consider if you’re going to hit on how wedding vendors like photogs charge so much more for weddings is that it’s necessary because the pressure is immensely higher, it’s not a shoot where you can redo things, it’s all one and done moments that you have to be skilled enough to get right the first time every time and the value people put on having these moments captured is so much higher than a brand or someone who can easily schedule a reshoot for another day or a different photog if they outcome isn’t great.
I know I’ve done it it’s exhausting!! not for the faint of heart lmao
Also, a large portion of wedding photography is the editing afterwards. My daughter is a photographer and spends a TON of time with editing. Some situations can be low lighting which can suck up huge chunks of time (days and days) trying to get them to look decent. The time spent at the wedding itself is just a drop in the bucket. Also I think weddings are much higher maintenance in terms of expectations than any other type of photography.
I have done a wedding shoot. So much pressure and you are shooting all day!!!!
@@Snippets-of-Mendi I was going to say the same thing. People think it’s $5,000 for one day, but it’s actually more like weeks of work, plus the expertise of that photographer. And usually if you are paying $5,000 or more it’s because they have two or three photographers, not just one.
I got married in 2022. I am the eldest daughter of 3 sisters and first granddaughter to get married from both my mom’s and dad’s families. My husband is the first of his family to ever host a wedding for his gigantic immediate family. So, the pressure was on to put on THE wedding of the century. Total cost was $56k without a day-of coordinator and a mediocre photographer and DJ to host just shy of 200 people. We still managed to come out debt-free. A part of me wishes I had done a court marriage and dropped the $ on a house but 🤷🏾♀️ The single thing that keeps me from regretting all of it is that both of my sisters thanked me for dealing with the hassle of hosting a big wedding so that they won’t have to when they get married.
If you need a video idea for your main channel, I was absolutely hooked when you were talking about the medical bills!! I think a lot of people relate to that, I feel like that would do super well to interview people that have fought it, people who don’t pay their bills at all, how that affects you, if you don’t pay, and what the othercountries healthcare systems are compared to ours
I think that the commentary videos do well because it’s easy to just listen while doing something else like cooking cleaning, at least for me
Medical billing breaks my mind. Last year I had lab work done twice for the exact same thing. One was at 3rd party and other was at the affiliated hospital. 3rd party was $50 and affiliated hospital was $800. I tired to fight it.
They do the same thing with car repairs. They have a book that says how much to charge based on the average amount of time the repair takes. Even if the repair only takes 15 minutes, they're going to charge for 4 hours of labor. It's wild.
yeah again this doesn't happen in other countries, e.g. I'm in Australia
Without even watching.... I had two open bills for stuff I already paid for... I broke my humerus last sept. I paid out of pocket in full for the xrays. I got a bill months later from some other facility for the xrays? Also earlier in the year I spoke with a therapist. They billed the insurance company wrong. I kept telling them to fix it and almost a year later both are still there. Finally the insurance website has a "I already paid for this" button. Insurance is such a scam. My mom had a stroke in 2019. The insurance went from saying she owes 50k to paying like $600 screw all of those companies and how they take advantage of people.
Regarding the medical bill, the time the provider charges is based on the total time the provider spent on your medical case including time to review your chart, documentation, and the time they consulted with you. I agree with you that everyone should look over their medical bill charges and ask questions if the bill seems off.
Not going to the doctor because you're worried about the bill is such an American thing. I can't break out of that mindset. I'm in Korea right now and people are so confused why I don't go to the doctor when I'm sick and I'm trying to break that habit.
I think the reason why wedding are so over the top is because of social media. 20 to 30 years ago that really wasn't a thing people didn't care to impress people. Now days people care to much of other people's opinions.
They were really expensive before social media too. But just like everything else they keep getting more outrageous.
I think I find your perspective and opinions far more interesting than learning about a public figure. I feel like we can google CEO as there's probably enough ample information/podcasts out there but hearing your take on current issues or trends just seems more interesting to me. You keep it real!
Ya I got a genetics blood test done on my baby when I was pregnant. The doctor made it sound like it wasn’t that much money. It was over $11,000!!!! My insurance covered most but it was still almost $1500 out of pocket for me!!!!! I know I’m not handling this in a mature way but I’ve ignored all of their calls and letters. I’m not paying that shit!
20 years ago, I got engaged on Monday evening and had the wedding on Thursday of the same week. It was only 8 people besides the officiant, groom and myself, and it was a catered affair. It was the wedding of my dreams: so beautiful that people blew up photos for their walls. I would do it again in a heartbeat. It was a whirlwind of planning and I was on vacation and it was so much fun running around the city buying my dress, flowers, cakes, etc.i had a wine collection that I used. And a friend and the officiant wrote the vows. A friend had calla lilies delivered for the centerpiece. Everyone got caught up in the spontaneous nature of the thing. Cost: $1000, including my diamond infinity band (bought in a pawn shop). The only downside was that everyone was convinced I was pregnant (I wasn’t.)
tipping culture for sure!!! like im in europe rn and u dont have to tip an its so refreshing lmaooooo
You don't have to tip in most countries, I love visiting the US but we're not used to tipping and we hate all the extra costs, plus I feel like I have to get my calculator out all the time or something lol
The jeopardy thing you're talking about is active recall. Its a really great study method ! There are a few programs that allow you to set it up that way. But the play against each other thing would deff be fun!
(putting on my cranky old lady hat) It seems that weddings today are more about putting on a show, rather than a ceremony pledging your lives to each other. In reality, a wedding is a ceremonious signing of a legal contract. The parties, the music, the photographers/videographers, catering, drinks, etc, etc, etc. are nice, but they are not necessary. Wear a pretty dress (that does not cost thousands), dress up a bit, use your local church, or a park...or just go to a justice of the peace. Have an after party (reception) at your parents' home...or your own home. Scale it down and use the money for other things.
When I got married (almost 50 years ago), we did the ceremony at the church (free), our minister did it ($125 for his time), my brother-in-law did the church photos and a few at the reception (he was starting his photography business and used us as advertising), the reception was at my parents' home, the cake was inexpensive, same for the flowers (local florist), I got my dress on sale at the mall (and I loved it!! lacey hoop skirt and all!), my mother sewed the bridesmaid dresses. My new husband and I did a motorcycle ride to Laguna Beach for our honeymoon. If we spent more than a thousand dollars, it wasn't by much. I still have very fond memories of our wedding (even after the divorce).
People need to tone down on the expensive nonsense. Seriously. Keep it simple...and inexpensive. Why add to your student debt burden just to try to impress people who may not matter to you in a few years? (and don't get me started on obscene student debt!! You kids deserve better than that!)
💯! Save that money to purchase a house!
Your next podcasty vid needs to be on the healthcare system. Lol
Hey i would love a commentary video about the tipping culture😊 i am from Germany and here i am only tipping if the service was really good
I like that you’re addressing social problems and sharing many different perspectives in your main channel content! It’s refreshing to see people talk about real stuff. I also love your vlogs still! It’s like hanging out! And we’re rooting for you Shelby!
I got married on the beach on Key Biscayne in Miami @ $500.00 maximum expenditure. Magical experience and did not break the bank. No photographers. It was definitely not a typical big wedding experience and it just depends on what you want out of a wedding.
I was just charged $2,400 for a 1 mile ambulance drive to the hospital.
Wedding photographer here! Personally, my packages are $4.5k - $5.5k (not living in a major city) depending on what you want, but this is after years of experience. Like others have said, it’s not like a normal session where you can re-do something (like the ceremony, etc.), but I will say weddings have gotten way out of control. It’s less about enjoying the day with friends and family and more about getting the “pics for instagram”. I will say also, there is sooooo much prep work before AND after the wedding. I’m on calls with the bride, planning out timelines, family shot lists, etc all before the wedding to make sure things run smoothly. Not to mention the hours of editing afterwards. So you’re not just paying $4.5k for “one day of work.” Then there is the aspect of photography as art and how you can charge more for your specific style of shooting and/or editing because it is unique to your brand. There are so many factors that go into pricing and all photographers are different!
I'm glad you're questioning the medical bills and talking about it and making tik toks. We need people like you to complain and help change our crazy health care system. The Affordable Care Act made it possible for more people to get insurance, but it's too expensive to get care! I was surprised that you said the commentary videos are easier to make. I see that they're cheaper, but it seems like you're spending a lot of time on research and they're really well done.
Healthcare only gets more expensive the older you get. Insurance Companies allow Doctors to charge premium pricing & back charge patients the maximum allowable cost . Complain to your Doctor about price gouging & demand price transparency before you pay the medical bill or find another Dr.
I thought the dry bar video was a more unoriginal format and nothing super interesting. I absolutely love your commentary videos and happy it’s easier for you! You’re doing great!!
The thing about videos is that putting a lot of effort into one doesn’t make it inherently good, and putting less effort into one doesn’t make it inherently bad. Think about all the Marvel movies lately that they spend absurd amounts of money on. Spending a lot of money and time on something does not mean that it will create an overall good experience that people are interested in watching. The drybar video probably did bad because, frankly, it sounds boring as hell. No offense, I just don’t care to watch a video about the founder of any company, much less the founder of a company I don’t care about. But I do like to hear people talk about interesting topics for like 30 mins to an hour, kinda like a podcast. I like hearing peoples opinions on things, and I like having something to listen to while I work or cook dinner. Maybe it’s just what’s popular rn, but if I were you I would just lean into what’s working and what people like.
$400 of medical bills: outrageous!
$400 of tennis and going out: absolutely!
i got my iud removed and a few days after, i started bleeding profusely and started fainting throughout the day. i went to the emergency room a week later and was there 7 hrs getting labs and tests done. they found nothing and sent me home with over the counter pain medicine. i got the bill and it was $6,600. i went to another doctor later and they found an infection in my cervix because the ER hadn't done the tests properly.
Why would you even do IUD at first. That is signing up for medical problems later.
Medical biller here. Could this have been "out of network". If they are in Network make sure they took the "In network discount"
Would be interesting if she could talk to an expert on why in network and out of network is even a thing. Why does it cost different?
It's basically a bulk discount for members. @@andiO14
@@andiO14insurance companies have contracts with certain medical providers & hospitals. So they tell the medical buildings “we will bring clients to you if you offer us a discounted rate for health bills”. But for medical providers without those contracts, they are “out of network” and the insurance company does not send those clients to non contracted medical providers.
What a coincidence on the subject.,I was invited to a wedding committee to fund their daughter’s wedding and I am like ' wait a minute,I don’t even like weddings why would I fund someone else’s wedding yet it’s more of a want than a need.'
Nah,I politely declined.
Wtf is a wedding committee 😂😂
The bride’s parent call people to raise funds to cater for the expenses they’ll have to incur during the wedding day of their daughter…. 😂
Wedding photographers can charge that because (hopefully) their expertise allows them to capture all the special once-in-a-lifetime moments no matter the circumstances. Not to mention they have to post-process many hundreds of photos afterwards.
I was a wedding photographer for years. Digital is FAR less time consuming or expensive than film was. Everyone thinks they are a photographer now, but they have minimal training or skill. A lot of couples get ripped off.
I LOVE the commentary videos on the main and I love the videos here are like the background of your life. You are killing it with the commentary videos. I’m obsessed with the relatability of the topics!
You are just so sweet and endearing in your own cheeky way. Your lovely personality and quick wit humor make it a pleasure watching your videos.
Shelby Thank you so much for sharing your experience with medical and health insurance!
It is so ridiculous we are charged so much. We pay all these taxes every year and cannot afford health insurance ort we pay for health insurance and still have to worry about going. The system is so messed up! Where as lower income tiers get free everything pays absolutely nothing. I have not visited a doctor since I was 21. This was the age I started working. I would have to pay one week's paycheck to get insurance and still have $6000 deductible. unacceptable!
It always scares us when we see from Europe what horrendous bills people in the USA have to pay for their health.
We here in Europe, I come from Germany, it doesn't matter if I have to go to the doctor or the hospital, I don't get a bill.
What we have is 10 € per day limited to 28 days = 280 €. That's all we have. And I can declare these costs on my taxes and get something back.
Hospitalization in the USA should be a horror in terms of costs and unaffordable.
I'd love to see a deep dive video into the medical bill topic as well. An interesting tidbit about unpaid medical bills is that most mortgage lenders won't hold them against you when trying to buy a house.
About wedding culture: These bachelorette parties are getting OUT OF CONTROL. 4 day long weekend bachelorettes seem to have become the norm. When did this happen?! It's waaaaay too much.
I don't have health insurance because of this. I pay for what I need right now but that is just my situation. Thanks for the vid Shelby.
Pretty risky if something major happens. The financial implications could be catastrophic
@@BookLover87 yeah when I get assets I will get it for sure. I would not be able to cover the deductible which is pretty risky too.
I got married in early 2000’s in NJ. The cost was high for the time (approx $25k for 150 people) but nowadays, it will cost approx $70k-$100k. I didn’t have to worry about Instagram worthy backgrounds and pics, designer flowers, over the top jewelry, etc…
I think people are just tired of "make it", " success" type of stories. They've been done so many times and people (after covid) are struggling financially and may not be that willing to watch those kinds of videos since they are unable to relate to them.
Thank you for taking the time to fight back on the medical bill despite the fact that you probably have the money to pay for it. If enough of us fight back, they will have to change their tactics if they want to keep their doors open.
It’ll go to collections ): so if you don’t pay it it will sit in a queue at the facility until you don’t pay and then send it to collections ): good luck! Def also call and ask for a full pay discount. If you call and say “I want to pay my bill in full over the phone right now and I would like a full pay discount” and sometimes you’ll get one
Yes, it will sit in collections. When you go to make a large purchase such as a house, it will bite you.
I got married in 2018 in a small town in Pennysylvania, we had 98 people there (us included) and it cost $25,000 and aside from our families contributing maybe $1,500. Minus that help, I paid for every penny of it myself and worked 5 jobs for a year to pay for it and to save enough money for the downpayment on our home the same year!
To me the high quality videos feel fake… if I want to go watch a documentary or something I would. I like the commentary videos because they are more discussions about interesting topics
I watched parts of the Drybar video but I had heard from her from other interviews so maybe it was a bit too late? She was doing publicity for the books weeks before.
Btw, you should turn the commentary ones into podcast. Just listened through the children one while cleaning and it's the perfect format.
Shelby, please do not let the quality of your work deteriorate. You do phenomenal videos. You do so much work with your B roles. It is probably easier to make non-quality work BUT would you be proud of it? It doesn’t mean you should not change/evolve but do it with the highest quality.
Love all your work!!! ❤
Doesn't America have a watchdog or ombudsman for good and services? No way having to negotiate rip off medical costs, it's such a weird culture.
So grateful to be from Canada when I see giant medical bills. Yes, wait times can be longer and our system has many flaws, but not needing health insurance for everything, and having the freedom to visit a doctor whenever I want without worrying about cost is nice.
Same here in Australia. Shelby's visit would have been free
While I enjoyed the dry bar video, that has a really niche audience and the topic doesn’t really lend itself to broader discussions. It was really well shot and I get that it is frustrating you didn't get as much of a return that you were hoping for. In my opinion, don’t over generalize the relative lack of traction that video got to that kind of video as a whole. There’s a ton of artistry to it and you have had other videos like it that have done very well. My issue with it was that I would never get that service and I don’t think most people (even inside LA) would really care about it. Yes it was a huge financial success but it is sort of a luxury product that isn’t within reach for most people. If I’m going to treat myself I’m way more likely to spend extra money on food. I love the idea of the tipping culture video. Something like UberEats might be just as expensive per usage but might resonate with more people. You could interview drivers, restaurant owners, and even your own experience as a customer over time. When I lived in LA I would go into restaurants and they seemed empty but it would take forever to get my food because of all the mobile orders and it really killed the vibe of a lot of places. You could really get into the impact it has had on people’s lives in the restaurant industry or people who are doing gig work or even people working at Uber on those algorithms. Arguably the smart sweets video did so well because who isn't interested in trying to make healthier choices and it is cool that something we wouldn't think of like candy could be a part of that--and it makes me feel good that someone found a gap and was entrepreneurial to solve it.
I don't think the dry bar service has quite the same level of resonance because it wasn't as deep. It was cool to hear the story of how the founder made it work... but it isn't really a product that would make me feel good about using it or make me think more about what I'm doing.
My only general critique as well is that when you talk about trends or “what people are doing” or “what people think” it could be more useful to ground it in your experience or what you personally have found. As an individual you resonate way more talking through how things strike you rather than how society thinks, mostly because it is really hard to talk for everyone. When you say things from your perspective, or provide a platform for others you interview from their perspective, it is also likely to land with more people too because it is easier to identify with an individual. Love your videos and I've learned a ton from you, thanks Shelby!! :)
Love the wedding culture video idea. Please touch on bachelorettes too and total cost of being in a wedding party
I played competitive tennis most of my childhood/teen years, one tip for ball control my coach taught me:
watch the angle of your racquet face when the ball makes contact with the strings. Practicing hitting the ball in the center of the racquet will help! The tennis walls would be great for this. Sometimes changing your grip will help to create muscle memory as well :)
Respectfully I was in Walgreens a few weeks ago and a COVID test is still going like $20-40, not $2, but while I don’t think some of those prices are fair you do have to take in the time and hours of the people who ran the actual test, separate from the people who saw you.
My Hot take, weddings may seem outrageously expensive when you live in LA/NY. I would get some average costs of weddings in different parts of the country (Midwest) and/or maybe compare the average costs of weddings in other countries (not people who held a wedding just out of the country). I feel like weddings are the new way of keeping up with the joneses when you know owning a home is way too far off, but personally I’m so turned off from ever having a big wedding or spending a lot of money and would rather have a backyard wedding and spend money on a home or nice vacation. 😂
Regarding the wedding stuff I’m not sure if they have these in and around LA but a handful of my people I know who got married in the last few years got married at event centers where they included tables, plates, linens, dj, place to get ready for bride and groom. They helped with all of the vendor lists that they worked with for bartending and security and then you just chose who did your catering and the cost was 10k-15k and take payment plans.
Last thing, you can also get the CPT codes from your apt by calling the front office of your doc or wherever you were seen. You said you went to urgent care so I’d try calling urgent care and saying,
“Hi I would like the CPT codes from my last appointment as I need them to speak to my insurance company and coverage.” And that’s all you should have to say to get them ❤️ good luck! 🎉
Quizlet is a great way to Jeopardy-tize your flashcards and you can make them digital which honestly saves SOOO much time!
Healthcare here in the US is horrible. No cap price on visits or procedures etc. I’m up in my 50’s and worried and stressed anytime I need to go to the doctor or Er etc. My husband has worked for a company for over 20 years and our healthcare premiums have skyrocketed and we still are stuck paying percentages of everything, even medication. The high costs is medical even makes percentages of the bill unaffordable to us. Our deductible seems to double every year ever since 2020. Ridiculous. The little amount of time allotted for a medical appointment isn’t even enough time to get to the problems when every visit they spend 10 minutes just looking over their notes from last visit and everything the medical assistant asks when first going into the exam room, the doctor then asks everything the medical assistant just asked. It’s crazy. Then the bill is huge, because they bill it as a complex visit. I have a lot of medical issues that unfortunately I have put off for so long, and recently trying to get them addressed but then they only hone in on one thing at a time(a visit). Then send you to a specialist who cannot even get me in for 4-6 months. All while what I have going on, needs addressing now.
I watched the drybar video but i generally am not into hustle culture, watching people talk about their incredible business success doesn't interest me as much as watching other stories. Although I do like hearing you talk about your success because you are transparent about numbers and make it interesting. But after working a corporate investment job 40 hours a week, i find business-y topics boring or anxiety inducing lol
I just got married yesterday! Our reception is next week. We got married in church and had dinner with just a few people. Our wedding next week I don’t feel like I need to impress people. I did add some trendy things I saw on TikTok that I thought was cute but husband (weird) said ‘we aren’t doing anything crazy, we don’t want people to think we have money when we don’t’ 😂 I’m a teacher and he’s a manager at a gym so regardless of how much we tried to rein it in the industry is very expensive. My wedding is probably around $38,000-$40,000. I wanted to elope, but he didn’t, so we just tried to keep costs down. My best friends wedding was $65k, my cousins $45k, his sisters $150k…but I think it really depends more on the venue, the person, and I guess their style.
Congratulations!!
I have insurance with Kaiser and they constantly charge fees that they’re not supposed to for my appointments considering I have the premium insurance. I always have to call in, but they’re pretty laid back about taking charges off. I’ve talked to other friends with no insurance that have dealt with the same thing. You’re right. They just want to see if you’ll take the time to call their bluff.
A lot of urgent care centers are owned by hospitals. In that case they charge the same as the hospital ER. If you complain about their charge, they will claim they are a branch office of the ER, but it is a scam because they do not inform you in advance of the service. Their fee will include a facility fee for just being there in case you need them. Find a convenient urgent care center that is open every day and call them to be sure they are not part of a hospital operation. Then always use the same one if possible. They will already have your information which saves you time.
Sorry about your dry bar video. I loved it!
I got married 21 yrs ago at 21. I'm SO VERY grateful Pinterest and Instagram were not around. I already felt a little sad that I couldn't afford to do more than I did. I got my dress for $100 from the clearance rack at David's bridal. My Grandma made the cake, my aunt's made a potluck style dinner, my sister in-law grew flowers for my bouquet/the boutonniere and the for the cake topper. I think the most expensive was hiring the photographer who we knew. I'm looking forward to your commentary video about weddings.
Also, you go girl!!!! Glad you're fighting the medical bill. That's outrageous!
I really loved your dry bar video! 😺💛👍🏻 it was really fun to watch and really well edited 🥰💛😺 it is funny that the lower effort videos do so much better ... but just know your higher quality videos that take more time are awesome and really fun to watch 🥰👍🏻
I think it’s great that even though you make much more than the average person (many of us viewers) that you can still be relatable with talking about no spend days!
I never thought I might be interested in tennis, but the idea of spending time outside, having a maybe fun workout, actually sounds amazing
So pleased the health care system here in Australia is much better than the US.
I had this complaint about medical for a long time. The problem is them jacking up the price of everything. Here what I propose... We need to set usury standards in medical cost. When I say this people come back with, this is america and the government can't get involved with regulating cost! Oh really then why do they do it to us in Finance industry. We have laws that state we are not allowed to charge past a certain percentage, or fees or its considered abusive. The reason is finance is a crucial function of the U.S. economy... I say medical also falls in this realm. So I propose that there be limits on a covid test, a hospital room etc or being charge $80 for a single aspirin. For example at a ER visit, they charged me 5k an hour for a room( that was just the room rental there was 18k of other things just to tell me I had covid). The Hyatt in Maui presidential suite cost that much and I get it for 24 hours. This needs to be the next legislative bill we push for, this gauging has gone way to far!
Sweety I'm from country where gov regulate the prices and there is 1 national "free" medical system, yes it's free but you have to wait for appt sometimes 2 years and it doesnt matter if its cardiology or something else that needs fast intervention. So people ending up going for private visits and still have to pay. Plus free health it's not free you still have to pay for med, glasses and everything and food in hospital is like either threw up or a dry bread with hot dog.
@@joannathatcares Not asking for free at all. just a 10 cent aspirin shouldn't cost $80 per pill while in hospital. that literally the upcharge. Now because its emergency I get a hyped charge. but from 10 cents to $80 is not reasonable. These prices hurt the insurance companies which makes them put the hurt on us. I say start with the source of the problem the underlying cost.
Why didn't your insurance cover the urgent care? Go see a specialist in your network. Don't deny yourself care for your sinus issues.
Healthcare sounds outrageously expensive in the U.S. I can't understand how outrageous prices can be allowed to see a specialist. To see a specialist in Canada, it's free with a referral from a family doctor.
A friend had to wait so long to see a specialist in Canada that by the time he did his cancer was terminal.
the wedding topic will be so interesting!
I got married in late 2022 and I was never someone that "grew up dreaming of the perfect wedding", I actually went in thinking that weddings are way over-priced and that I didn't believe in spending so much on one day of your life, but it is SO EASY to get sucked into the new wedding culture via social media. if you look at only a couple wedding-themed posts on instagram or TikTok, suddenly your whole feed is wedding tips and wedding dresses and wedding trends, and it can easily become your whole life trying to plan all of this elaborate stuff just to make the wedding feel "normal" compared to what you are seeing online. this also extends to other events like the bridal shower, bachelorette, etc, it's all so over the top and expensive/time consuming for everyone involved.
My aunt and uncle got married about 25 years ago, and they spent $30k on the wedding. A few years later, they declared bankruptcy. While the wedding wasn't the only source of debt, I think if they had spent less on the wedding or just eloped and skipped a big, expensive celebration altogether, they might not have had to declare bankruptcy. The bankruptcy ruined their credit and they had to rent apartments instead of being able to buy a house for the subsequent ten years after the bankruptcy.
Vandalism falls under your comprehensive coverage on your car which is separate from collision. You can lower the deductible to $50, $100, even $0 and it’s usually not a lot more each month. It’s a no-fault category so your rate won’t go up for making a claim. It also covers other non-collision damage (falling or airborne objects, animals, theft recovery, etc) and glass. Sooo worth it to have low or no deductible and it’s a lot less frustrating when something happens.
I am a doctor and I agree your bill is ridiculous - I tell patients all the time that if they get some insane bill from the hospital or their insurance that they should try to get more info, make sure there aren't any mistakes. I have many patients who get refunds!
I do want to make one point though - the medical billing is a little more complicated than just time-based billing. it also takes into account any testing you reviewed or ordered, and how high risk the situation is. you only bill a 99202 (level 2) if the patient has basically no problems and you ordered no tests. even one test would be billed for a 99203 (level 3) because it is additional data you need look at and review (though I 100% hear that reviewing a flu swab does not take a lot of energy...). a 45min code definitely does sound incorrect in your situation. there are times when I may spend 30min reviewing a patient's chart (looking at notes from other doctors, reviewed past lab tests and treatments tried, etc) + 20min with the patient in the room, and it gets billed as a 50min encounter. I can see how a patient would be confused looking at that, when we were only in the room for 20min. but there can a lot of work behind the scenes that you don't see. also, if a medication is ordered, it is usually automatically billed as a level 4 because there is additional monitoring that needs to be done to make sure the patient tolerates the medication well, that the medication works, etc. it is honestly very confusing and takes us a while to learn (I am still learning, and sometimes the billers correct what I put in), and statistically (at least at my department) most doctors are actually more likely to accidentally under-charge than over-charge.
again, I don't think this applies in your situation specifically, but sometimes for others to keep in mind in case they are wondering how this all works!
I don't know how others feel about taking practice exams, but - like the actor I once was whose job was memorizing lines - I took them over and over again. The time was very VERY well spent. And it didn't really take that long. I'd estimate one or two mornings (after procrastinating for months), and a review of the practice exams on the day prior to taking the actual RE Exam.
I did attend a RE school, and had a binder full of real world RE practices along with the practice exams.
When I took the RE Exam, I finished first, and was out the door in twenty minutes. I swear to heaven that is true. I'm no great mind, just an average Joe, and I sure as hell I wasn't going for speed - I just wanted to pass. But I knew the stuff cold.
Good luck to you,. But with your disciplined approach to work, I'm sure you'll nail it!
Btw, the way you approach sports is enviable, too. For a novice, your backhand is stellar. I learned tennis during the time when the tennis world was transitioning from one-handed backhands, to the now universally-dominant two-handed method.
My coach was old school and never even mentioned the two-handed method. As a result, my backhand never developed, and was the weakest part of my game. It doomed me, along with my age, to be a less than mediocre player. Maybe I was a lousy athlete, too, which could never be said about you and, for that matter, Monica.
The most interesting thing about my tennis game may be that I took lessons from a coach who had access to a private court - which was on an estate high in the Hollywood Hills. The estate was owned by an old-timey singer and movie star you've probably never heard of. Standing on the court, the entire valley could be seen sprawling below.
Maybe someday you'll sell it.
Health care system in the US sounds crazy, you can take a trip and fly to another country for the service where it's significantly cheaper and will pay for the visit and trip all together less than going to a doctor in the US
I was once charged $200 for “surgery” when a doctor taped my foot. *Surgery.* I called the office and was like, how is that surgery? Had I known it was $200 I would have taped my own foot! Had to do with the codes apparently.
I just moved to California from Australia and can't believe how unbelievably complicated and expensive things are here - every type of insurance under the sun (so many I have never heard of an so expensive), crazy complicated taxes, FEES ON EVERYTHING - have never seen so many fees in my life for all sorts of random things, tipping culture, healthcare and suing people for stupid things, and don't even get me started on buying a used car and all the taxes and fees and headache that has come with that. I have visited the US many times, but have never experienced how complicated it is just to rent an apartment, buy a car and do basic life admin. No offence Americans, I genuinely love visiting this country, but omg I don't think people here realise how difficult of a place it is to live compared to most developed countries.
I think the commentary videos are doing so well Bc they’re like podcasts and video essays!
Thank you so much for putting up a fight! I know plenty people feel this way. Unfortunately not everyone has the time, energy or competence to advocate for themselves. Thank you so much for sticking up for us!
I might suggest to see a specialist in Europe. The visit it self will cost max 100-150€ and additional test or smth wont cost because it will be included or will cost up to 100-200€ for sure.
You have to factor in travel costs to get there.
@@sallyphillips9175 yes definetly! however you can come up with ideas for new vids or have great holidays as well
Good morning Shelby happy Monday morning and I loved your vlogs and you are amazing Supporter and I'm proud of you
Your video quality is so amazing I hope they start to do better so you keep them going!
The sad part is that the “harassing” ppl do to the system goes straight to us… front line workers who just want to help ppl with their bills and get paid McDonalds wages 😭😭
Healthcare costs are so ridiculous. It’s crazy how much I avoid the doctor because of costs
Girl, I got married in ‘96 and spent $1000 for a small wedding in front of a fire place.
Quizlet is basically digital flashcards but fun!
Tbh dry bar isn’t interesting unless you are in the US or LA.
This. As an Australian I couldn’t be bothered
Shelby I just learned if you pay cash for medical you can negotiate and cash is always cheaper than insurance. I am seriously looking into this. I was told this by my dr.
You can always reach out to your state insurance commissioner if you feel you are being billed incorrectly. I did that on a bill that my insurance said the provider was "out of network" even though i got the providers name from their website listing her as "in network". I tried multiple times on the phone with my insurance, which went no where. After contacting the insurance commissioners department they paid the bill in full. It also reminds the insurance companies that someone is overseeing what they are billing.
Hi Shelby I’m a nurse practitioner and can explain ICD and CPT codes if you like… US healthcare is crazy and way too expensive. As a mid level provider, we make less than even some nurses without graduate degrees. It’s crazy.
The medical provider does not choose how they bill you and what is coded. There are standards diagnosis and procedure codes based on CMS guidelines.
I’ve been paralyzed for ten years and still have to convince my insurance to cover my wheelchair.
Shelby, you make quality content regardless of the format. So quality isn't the issue with you. I hope you figure out the bill and I'm glad you are pushing them. It kooks like they are price gouging you. Loved this vlog and I always look forward in what you do!