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daredevilkink2015-05-09 07:29 pm
ddk_mod) wrote in daredevilkink2015-05-09 07:29 pm
Entry tags:
Discussion/Off-Topic Post #1
Please head over to Discussion Post #2!
Please head over to Discussion Post #2!
Haha, YES. Mismatched indeed. Mine had literally NO common tags with what I offered.
I've noticed! I gasped when I saw your comment. I'M NOT THE ONLY ONE WHO HEADCANONS THIS. Like, this makes a whole lot of sense imo. A WHOLE. Plus allows for an interesting interaction between Matt the NYC graduate and - in my case - Foggy the Columbia graduate who knows the campus and the people and everything. While Matt just trails behind, because whelp.
AYRT: Honestly, Foggy as Columbia undergrad is starting to grow on me. The show makes it clear that Foggy tends to like to stick with people/places. Maybe it's because he has taken up law with his law school roommate (and then fellow intern) in his old neighborhood (Hell's Kitchen), where he can identify the vast majority of people around him in the watering hole where the bartender knows him pretty well? (Sorry, that scene with Foggy and Karen at Josie's is so central to my conception of his character that I am still having trouble with another commenter who described it as something like "Foggy blows off Karen's concerns as having no validity." Wait, what?) So I can well believe that he went to Columbia for his undergrad and then stayed there all the way through law school. That's very in-character.
Whereas Matt... My headcanon is that Matt was wooed back to Hell's Kitchen by Foggy (just as Foggy attempted to portray the neighborhood in teh best possible light for Karen in the scene I was just talking about). He always wanted to be a lawyer for JUSTICE!, but it might not have been in Hell's Kitchen if he hadn't ended up with Foggy. Matt wants to prove that he's more than his disability, so doing that by not limiting himself to one area he knows well makes sense to me. Hence his different undergrad than grad school.
TL;DR: Foggy gets very committed to places (and people...), so him attending Columbia for his undergrad degree as well makes perfect sense. You're winning me over, anon.
Whereas Matt... My headcanon is that Matt was wooed back to Hell's Kitchen by Foggy (just as Foggy attempted to portray the neighborhood in teh best possible light for Karen in the scene I was just talking about). He always wanted to be a lawyer for JUSTICE!, but it might not have been in Hell's Kitchen if he hadn't ended up with Foggy. Matt wants to prove that he's more than his disability, so doing that by not limiting himself to one area he knows well makes sense to me. Hence his different undergrad than grad school.
TL;DR: Foggy gets very committed to places (and people...), so him attending Columbia for his undergrad degree as well makes perfect sense. You're winning me over, anon.
This, exactly. Not to mention, it'd mean that Foggy already knows all those people who also did Columbia undergrad and then stayed there for law school. Maybe he and Marci actually met in undergrad. And, and, Columbia undergrad program is pretty interesting. I see Foggy doing the Human Rights major, because it was international enough to suit his interests, but also theoretical enough to then allow for choosing a variety of different grad schools. But then he kind of got really into it, and it influenced his future decisions a lot.
But it also influenced with worldview, his stance on the 'what is legal v. what is moral' question as well as his much more pragmatic and realistic view of the law (at least when compared to Matt). Experience tells me that the most idealistic and also most disappointed people find themselves in the fields of human rights and international law. Those branches are more make-believe than other by their virtue as an artificial construct of States.
So, dabbling in Human Rights in undergrad would have curbed Foggy's idealism, but would also provide him with the drive to be a lawyer.
Just...think about that. Says the lawyer!anon.
But it also influenced with worldview, his stance on the 'what is legal v. what is moral' question as well as his much more pragmatic and realistic view of the law (at least when compared to Matt). Experience tells me that the most idealistic and also most disappointed people find themselves in the fields of human rights and international law. Those branches are more make-believe than other by their virtue as an artificial construct of States.
So, dabbling in Human Rights in undergrad would have curbed Foggy's idealism, but would also provide him with the drive to be a lawyer.
Just...think about that. Says the lawyer!anon.
my fave mental-image is matt beeping like a polygraph whenever foggy is lying. whether this is funnier pre-reveal or post-reveal, i can't decide. (also the idea of matt doing his best "matt has detected that that is a lie" jerry springer impersonation when foggy is lying kills me)
Re: Do you ever feel like you somehow inherently stop conversation?
(Anonymous) 2015-11-08 03:40 pm (UTC)(link)agree, try open your own post ;)
da
LOL! Same.
I hope everyone is much happier with their 2nd match.
LOL! Same.
I hope everyone is much happier with their 2nd match.
http://www.sjcny.edu/long-island/academics/programs-departments/pre-law
^Not a major, but a department none-the-less.
Here's a school that offers a pre-law major in three different departments.
http://cas.wsu.edu/academics/pre-law.html
http://cas.wsu.edu/academics/pre-law.html
Are there any specific Daredevil fic writers you can think of that have consistently good dialogue? Like in character and well-paced. I've been trying to practice but there's only so many times I can rewatch bits of the show. I figured reading really good fic would be a nice start.
AYRT: Thanks for the link! Although I think it's actually a "program," not a department, it still comes pretty close. And in New York, even!
SA: I *meant*, "and at St. Joseph, even," but then my brain got crossed.
AYRT: I wonder whether "pre-law" makes it onto your degree at Washington State. It looks like the history department webpage has embraced it a lot more than the philosophy and political science webpage (since both are in the same school, there).
Thank you so much for the research!
Thank you so much for the research!
Off the top of my head, Asidian and glorious_spoon on Ao3 are both writers I followed to Daredevil from different fandoms, and I've found them to be really great with character portrayal and general fic quality. Just my opinion, though :)
I think "Fine, but Not Fine" by Prepare4Trouble has some really great dialogue and flow.
Ugh, somebody help me. Writing hospital fic and I have no clue about the American hospital billing system.
What kind of insurance would Matt, who has a new and barely profiting business, be able to afford (and how would that affect his hospital bill)?
Also, does his disability affect what kind of insurance he can get? Or would it be helpful in some way?
Basically I'm trying to figure out how much of a bill he'll be saddled with after a surgery and 5 days in-patient stay.
(Oh, and also: How does that process even work? Do you have to go to a cashier or something after you've been discharged? Do they put you on some kind of payment plan? If your insurance covers all or some, do you know right away? Or do you have to claim the entire amount and then wait on pins and needles wondering how much the insurance provider is going to cover?)
What kind of insurance would Matt, who has a new and barely profiting business, be able to afford (and how would that affect his hospital bill)?
Also, does his disability affect what kind of insurance he can get? Or would it be helpful in some way?
Basically I'm trying to figure out how much of a bill he'll be saddled with after a surgery and 5 days in-patient stay.
(Oh, and also: How does that process even work? Do you have to go to a cashier or something after you've been discharged? Do they put you on some kind of payment plan? If your insurance covers all or some, do you know right away? Or do you have to claim the entire amount and then wait on pins and needles wondering how much the insurance provider is going to cover?)
This can vary a lot. If you want to know a hospital's billing practices then look up a specific hospital in NYC and search for their payment procedures. When I worked at the cancer hospital in my city they had financial coordinators who set up payment plans and worked with each patient to get maximum care for minimum cost.
Also Google search terms such as "insurance options for start up businesses."
I would also recommend looking into charity and disability funds which many hospitals have to help patients in financial distress. Matt would be a shoe-in. This goes double for religious based hospitals who make it their business to alleviate as much discomfort as possible off the patient. My older sister had a sudden baby delivery at the local Catholic hospital and only owed a few hundred dollars at the end of it because the hospital's charity fund covered her costs.
In Matt's case I would say he or Foggy (most likely Foggy) would meet with hospital financial coordinators who would communicate with the insurance company. Once the coordinator nailed down the insurance billing they would set up a payment plan if needed. It also depends on what the surgery is. An appendectomy is one thing but an organ transplant would be a whole other ballgame and without knowing what surgery Matt is having then I can't guesstimate what he would owe.
It's also important to know what insurance is and is not. Tieing the American medical industry to insurance was an attempt by LBJ or Nixon (I honestly can't remember which one) to lower medical costs. By pooling money together in one "place" as it were, they were trying to spread costs out over several people instead of making one person shoulder their imdividual costs by themselves. The result was mixed but it does help lower payments all across the board. A conscientious insurance company (yes, they do exist despite what the American media tells you) would communicate very quickly and swiftly with Matt, telling him his options and paying as much of his bill as they can and offering financial assistance and counseling if he requested it. (This was my personal experience with Anthem, who was very helpful to my mother when she had an emergency gall bladder removal. Financially, everything was resolved in the space of a week, which was when she left the hospital.)
Millions of people go through the system every day with straight forward surgeries and procedures, someone like Matt would be in and out of the hospital fairly quickly without much problem barring sudden onset of a bizarre disease or him suddenly being robbed of every cent he had.
Also Google search terms such as "insurance options for start up businesses."
I would also recommend looking into charity and disability funds which many hospitals have to help patients in financial distress. Matt would be a shoe-in. This goes double for religious based hospitals who make it their business to alleviate as much discomfort as possible off the patient. My older sister had a sudden baby delivery at the local Catholic hospital and only owed a few hundred dollars at the end of it because the hospital's charity fund covered her costs.
In Matt's case I would say he or Foggy (most likely Foggy) would meet with hospital financial coordinators who would communicate with the insurance company. Once the coordinator nailed down the insurance billing they would set up a payment plan if needed. It also depends on what the surgery is. An appendectomy is one thing but an organ transplant would be a whole other ballgame and without knowing what surgery Matt is having then I can't guesstimate what he would owe.
It's also important to know what insurance is and is not. Tieing the American medical industry to insurance was an attempt by LBJ or Nixon (I honestly can't remember which one) to lower medical costs. By pooling money together in one "place" as it were, they were trying to spread costs out over several people instead of making one person shoulder their imdividual costs by themselves. The result was mixed but it does help lower payments all across the board. A conscientious insurance company (yes, they do exist despite what the American media tells you) would communicate very quickly and swiftly with Matt, telling him his options and paying as much of his bill as they can and offering financial assistance and counseling if he requested it. (This was my personal experience with Anthem, who was very helpful to my mother when she had an emergency gall bladder removal. Financially, everything was resolved in the space of a week, which was when she left the hospital.)
Millions of people go through the system every day with straight forward surgeries and procedures, someone like Matt would be in and out of the hospital fairly quickly without much problem barring sudden onset of a bizarre disease or him suddenly being robbed of every cent he had.
I'm going to be much less useful than the previous commenter and just say that medical billing sucks.
Without insurance, surgery + 5 days in the hospital is likely to break $100,000, depending on the surgery.
With insurance, there's generally a hefty deductible (when I last had insurance, mine was $6,000), then insurance only covers %80 of costs beyond that. So, if I hadn't yet touched my deductible, a $100,000 bill would have cost me $24,800 (less, depending on what sort of annual out-of-pocket maximum the plan had).
Medical bills are the number one cause of bankruptcy in the US.
Without insurance, surgery + 5 days in the hospital is likely to break $100,000, depending on the surgery.
With insurance, there's generally a hefty deductible (when I last had insurance, mine was $6,000), then insurance only covers %80 of costs beyond that. So, if I hadn't yet touched my deductible, a $100,000 bill would have cost me $24,800 (less, depending on what sort of annual out-of-pocket maximum the plan had).
Medical bills are the number one cause of bankruptcy in the US.
SA
I have thousands of dollars in medical debt. I wish I'd had the same sort of positive experiences that the other commenter spoke of, but while I've never been hospitalized, I've had to go to the ER for three separate major events, two of which I had insurance for, and each time sucked.
I have thousands of dollars in medical debt. I wish I'd had the same sort of positive experiences that the other commenter spoke of, but while I've never been hospitalized, I've had to go to the ER for three separate major events, two of which I had insurance for, and each time sucked.
To build on the anon above me's comment:
it really varies HUGELY depending on what insurance company you have. So you have basically high deductible insurance, where generally speaking your premiums are relatively low, but you have to pay a lot of money before the insurance will kick in. Some high deductible plans will pay 100% of costs after the deductible is met, some will only pay a percentage (80% is common), in which case you'd be responsible for the full amount of the deductible plus whatever percentage the insurance didn't cover. Low deductible plans will cover a lot more, but the premiums are typically higher, so they may not be chosen by people (ie, Matt) who don't have a ton of money. And that's just for employer-sponsered health care; Matt would be paying for his out of pocket, and I have no idea what kind of plan he'd be able to afford (probably a high deductible plan, but other than that...)
When you're admitted to a hospital, you're generally asked for your insurance card, so that's how they know how to bill you. If you don't have an insurance card, or they don't know who you are, or whatever, they're still required to provide life-saving care but they WILL do their best to track you down afterward and get you to pay. IME, your insurance will be billed first and whatever they don't cover will be billed to you. You should have some idea of what's covered and to what percentage, but you DON'T generally know how much a hospital charges for a given procedure (it varies A LOT), so you won't necessarily know how much it costs until you get the bill. A lot of insurances have out of pocket maximums beyond which they will pay the full cost, but even those can be ruinously expensive, particularly for people without much money.
That said, as first anon said, a lot of hospitals have people who will help you work out a payment plan/look for alternate sources. But yeah, inpatient surgery with a 5-day stay? you're looking at high double-digits at least, easily into triple digits, particularly if it was an ER visit. ERs are expensive. For reference, when I was pregnant I had to stay overnight in the ER because they thought I might have blood clots (I didn't). No invasive procedures, no drugs, pretty much no intervention at all, and they still billed my insurance almost 4K.
Hope that helps...
it really varies HUGELY depending on what insurance company you have. So you have basically high deductible insurance, where generally speaking your premiums are relatively low, but you have to pay a lot of money before the insurance will kick in. Some high deductible plans will pay 100% of costs after the deductible is met, some will only pay a percentage (80% is common), in which case you'd be responsible for the full amount of the deductible plus whatever percentage the insurance didn't cover. Low deductible plans will cover a lot more, but the premiums are typically higher, so they may not be chosen by people (ie, Matt) who don't have a ton of money. And that's just for employer-sponsered health care; Matt would be paying for his out of pocket, and I have no idea what kind of plan he'd be able to afford (probably a high deductible plan, but other than that...)
When you're admitted to a hospital, you're generally asked for your insurance card, so that's how they know how to bill you. If you don't have an insurance card, or they don't know who you are, or whatever, they're still required to provide life-saving care but they WILL do their best to track you down afterward and get you to pay. IME, your insurance will be billed first and whatever they don't cover will be billed to you. You should have some idea of what's covered and to what percentage, but you DON'T generally know how much a hospital charges for a given procedure (it varies A LOT), so you won't necessarily know how much it costs until you get the bill. A lot of insurances have out of pocket maximums beyond which they will pay the full cost, but even those can be ruinously expensive, particularly for people without much money.
That said, as first anon said, a lot of hospitals have people who will help you work out a payment plan/look for alternate sources. But yeah, inpatient surgery with a 5-day stay? you're looking at high double-digits at least, easily into triple digits, particularly if it was an ER visit. ERs are expensive. For reference, when I was pregnant I had to stay overnight in the ER because they thought I might have blood clots (I didn't). No invasive procedures, no drugs, pretty much no intervention at all, and they still billed my insurance almost 4K.
Hope that helps...
OP here:
Yeah, he was taken there by ambulance, triaged in the ER and then taken up for emergency sigmoid colectomy. 4 days post-op stay. Also broken ribs and orbital fracture. And various cuts and deep tissue bruises. (He's a mess, basically) And then there's all the pain meds they had him on. And sedative. And antibiotics.
The whole payment/insurance thing isn't going to be a big mention, but I figured I'd include a paragraph of exposition detailing Matt and Foggy meeting with someone to figure out the whole insurance thing when Matt's discharged.
Yeah, he was taken there by ambulance, triaged in the ER and then taken up for emergency sigmoid colectomy. 4 days post-op stay. Also broken ribs and orbital fracture. And various cuts and deep tissue bruises. (He's a mess, basically) And then there's all the pain meds they had him on. And sedative. And antibiotics.
The whole payment/insurance thing isn't going to be a big mention, but I figured I'd include a paragraph of exposition detailing Matt and Foggy meeting with someone to figure out the whole insurance thing when Matt's discharged.
I'm surprised nobody here has mentioned Medicaid for Matt. He has no family and little supplemental income and directly qualifies based on 'blindness or disability.' Medicaid is a government program directed at providing government based health insurance to the impoverished and disabled who would not generally be able to afford it. On the basis of poverty, you have to be WAY below the poverty line - or at least before the Affordable Care Act you did - but on the basis of disability your income can be higher. I can imagine him not applying for it out of pride but at some point someone would probably (or has probably in the past) encourage him to apply for Medicaid.
I am unsure what that bill would be but even with any kind of insurance it would be very expensive. I have good insurance and I once went to the doctor to get blood work done and I got a $200 bill in the mail. Which is in general how most people get their medical bills.
Also if you don't pay them you get collect calls and I know because I have been avoiding paying a medical bill for bloodwork for a while. . .
I am unsure what that bill would be but even with any kind of insurance it would be very expensive. I have good insurance and I once went to the doctor to get blood work done and I got a $200 bill in the mail. Which is in general how most people get their medical bills.
Also if you don't pay them you get collect calls and I know because I have been avoiding paying a medical bill for bloodwork for a while. . .
I vote that Team Avocado just buy better coffee grounds so that their lovely secretary doesn't make bad coffee in every fic. I submit that making good coffee has nothing to do with skill and everything to do with just not buying shitty grounds.
I vote for Folgers Gourmet Toasted Hazelnut. But I also like Starbucks Dark Roast and Cameron's Vanilla Hazelnut is ok (I bought it on sale because I was very excited about six dollars for a bag of coffee lol.) Starbucks Light Roast is nice too - my ex girlfriend used to drink that. Folgers Original isn't very good and it's also not as cheap as you think it would be. It tastes ok with milk though. Green Mountain Coffee black is the worst coffee I have ever had.
/nonnie who drinks a lot of black coffee and loves Karen
I vote for Folgers Gourmet Toasted Hazelnut. But I also like Starbucks Dark Roast and Cameron's Vanilla Hazelnut is ok (I bought it on sale because I was very excited about six dollars for a bag of coffee lol.) Starbucks Light Roast is nice too - my ex girlfriend used to drink that. Folgers Original isn't very good and it's also not as cheap as you think it would be. It tastes ok with milk though. Green Mountain Coffee black is the worst coffee I have ever had.
/nonnie who drinks a lot of black coffee and loves Karen
This!
I mean, you CAN make bad coffee even with decend grounds (burn it, add too much or not enough water), but it's not that complicated to do it right. I like the Chock Full o'Nuts for something fairly cheap and drinkable, although if I'm feeling fancy I'll get the Eight o'Clock whole bean coffee (if I'm feeling really fancy, I get my brother to steal me some fresh-roasted organic coffee from the fancy place he works, but that's a rare treat).
/also a nonnie who drinks her coffee black
I mean, you CAN make bad coffee even with decend grounds (burn it, add too much or not enough water), but it's not that complicated to do it right. I like the Chock Full o'Nuts for something fairly cheap and drinkable, although if I'm feeling fancy I'll get the Eight o'Clock whole bean coffee (if I'm feeling really fancy, I get my brother to steal me some fresh-roasted organic coffee from the fancy place he works, but that's a rare treat).
/also a nonnie who drinks her coffee black
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