2,252 karma · joined November 25, 2011
I was very careful. The doctor was in network, the hospital was in network, and my copay was, I believe, $30 for each visit, covered under my insurance. One day I showed up for my appointment, they led me to a room where I waited 10 minutes. Then the doctor came in, and it wasn't the guy I had been seeing for the last three months. He told me my doctor had taken ill and he was covering the appointments. He asked me how I was doing, and had the nurse redo the dressing on the wound vac. Then we were done.
A month later I received a bill from this doctor for $1900 because he was out-of-network, and while my insurance covered out of network at 80%, they covered it at 80% of the in-network rate. The doctor billed out of network patients at about twice the negotiated in-network rate (a fairly common occurrence), so the 80% coverage was actually 40% coverage, and I owed the other 60% which came to about $1900 for 5 minutes of work (the nurse who changed the dressing worked for the hospital so her work and materials were covered in network.) And the kicker was that I didn't know a different doctor was going to be attending me until he walked in the door.
If you think that maybe your "max out of pocket" will save you, it won't. If the insurance lists a "out of network max out of pocket" it only covers expenses at a negotiated in network rate. Any amount your out-of-network doctor bills that is over the insurance company's in network rate is effectively unlimited. Despite having a $2500 in network max, ad a $5000 out of network max, and a very good health plan. I left that accident with about $35k in medical debt.
(An interesting side note, when it came time to remove the hardware, I went back to the same hospital/trauma center and doctor who had installed it--though a different hospital from above. A day before the surgery I went to the hospital for the pre-op stuff. At the end of the process, the hospital admin met with me to take my payment. I was expecting a $30 copay or similar, but I found out that while the hospital was in network six months before, they had dropped their contract with my insurance company a month prior and the pre-op was going to cost me $800. So of course I cancelled the surgery, but I was still on the hook for the pre-op work. Today every time I visit a medical professional of any kind, no matter how many times I've visited them before, I ask about in network coverage.)
The funny thing is for years his home-made site was the top google hit if you searched for “hill's criteria” (See Hill's criteria of causation). His site is http://drabruzzi.com/
Obviously this is an implementation detail and well done LL could keep loading everything until its done, but frequently it doesn't try until I scroll down. NonLL pages also aren't perfect, and if a page tries to load everything at once, each thing added slows everything else down. But for some reason I never experience that on non-LL pages (or maybe they're good LL pages and I don't notice.) It could be that browsers do some smart things (the obvious would be something like queueing requests for page content, only allowing 5 or so open requests, and loading images in the order they are referenced in the HTML so stuff at the bottom of the page is loaded last.)
I think that depends a lot on the hobby and the individuals dedication (and ability to devote time) to the hobby. For example, one of my hobbies is I'm working on writing an opera. So that is literally writing for a full orchestra, but with the additional complexity of writing a story and libretto. In truth most of my hobbies can easily get as complex as my job, if I want to take it that far. However, for many people (sometime myself included) the fact that they are hobbies means we are limited in how much depth we have the time to commit.
(While I shoot negative much more often, it doesn't have the same visceral impact as positives.)
http://i.imgur.com/4J7Il0m.jpg
What these things all reinforce is that a lot of programmers take text encoding as a given, and don’t realize all the potential places for errors to sneak in.
Your example sounds exactly like a statement of work in a contract. My example reaches past that into the company to manage their use of labor.
This doesn’t necessarily apply directly to Uber because they may argue that they are contracting a single ride, and the driver/contractor is fulfilling that small contract in any way they see fit.