Wanting solid info from the RMV

September 7, 2011

It’s not like I want to have a handicapped placard.  I would like nothing better than to be healthy enough to not need one.  Since I do need the placard, I use it.  I just wish I knew more about the laws around it.

After a lot of searching, I finally found some info here and here on the MA RMV web site.  After all that searching, the site doesn’t inspire confidence.  For example, it provides information on handicapped plates, but when I tried to get one years ago, I was told they aren’t offered anymore, only placards are offered.  Either I was given wrong information, or the site is very out of date.  Both seem very possible.

Now, try finding info on where you can use it!  #7 in the FAQ seems to be the place, but it’s incredibly vague (and wrong.)  Can I use it in HP Van spaces if I don’t have a van?  It doesn’t mention that.  I can disregard some parking meters but not all – that’s NOT HELPFUL!  Why can the MA Port Authority manage to not exempt placards?  Do others do it too, or is it just them?  Please be specific!  And about all U.S. States recognizing the MA placard, well, maybe that should be more specific too.  Parts of Washington D.C. didn’t, the last time I was there.  I also stumbled upon a city in Connecticut this summer that didn’t recognize them.  Why is this?  And why doesn’t the web site mention it?  And according to the FAQ some parking rules must be followed but not others.  What if there’s a 2 hour parking limit?  Do I need to obey that?  If so, doesn’t that run counter-intuitive to the exempt meter rule?  If not, then say so!

I know many people who have had the same frustrations.  When I call to ask questions, I can’t seem to get someone on the phone who knows what they’re talking about.

These placards are provided by the state RMV.  Many rules apply to them.  Would it be so horrible to let us know what those rules are?

 

[Note: To get free emails of posts to this site, simply sign up in the top right corner of any page.]


Why wouldn’t you use an FSA?

September 2, 2011

No, really, I’m asking, why on earth wouldn’t you use an FSA if you have access to one?  I don’t get it.  I love my FSA.

If you don’t know what I’m talking about, an FSA is a Flexible Spending Account, and this links to more info on it.  As a quick summary, it’s offered through some employers.  An employee puts aside a certain amount of money pre-tax.  This money can be spent on medical expenses.  Some offer a dependent care FSA, in which case the pre-tax dollars can be spent on dependent care.  There’s a catch, of course.  You decide at one point in the year how much money to set aside, and that gets taken out of each paycheck.  Whatever isn’t spent on medical needs/dependent care by the end of the year, you lose.  If you put aside $500 and you only spend $350, then you lose $150.  That’s a big catch, so you have to estimate very carefully.  But if you do have leftover at the end of the year, you can always use it to buy a new pair of glasses, or get an acupuncture treatment.  Still, you’re spending your money pre-tax, so that can add up to huge savings.

I started a new job last year, and it was the first time I had access to an FSA.  My main complaint about FSAs is that they are not offered to everyone.  I understand that the government depends on companies to handle the burden of managing these accounts, but it is incredibly unfair to offer this tax advantage to only a portion of the population.  Now, if you are lucky enough to be someone who does have access to an FSA, use it!

[Note: My other complaint is that the government added some crazy hurdles for nonprescription meds this year.  Now you need a doctor’s note to get reimbursed for cough drops or aspirin.  But that’s a rant for a different day.]

When I started my job last year, I asked co-workers about the process for getting reimbursements.  I was shocked by how many didn’t use it.  Yes, some people are healthy and don’t need it, but even if you’re on just one prescription, or need just one dental procedure, it’s worth it.  If you are reading this site, you likely spend more than that.  I use this money for medical visit copays, medical visit parking, prescriptions, vitamins, and random needs.  Last year I used it for physical therapy.  I use it for orthodics.  I used it to buy a new air conditioner this summer (because my health condition worsens in hot and humid weather, a/c is a medical necessity for me.)  I used it to buy new glasses, both distance and reading (yes, in my early 30s I need reading glasses.  I blame the many hours on the computer.)

So what does this mean?  I put aside $1000, and it looks like I could have put aside more.  I’ll remember that for next year.  But this year I put aside $1000, which means I’ll end up saving about $250 in taxes.  That’s huge!  That’s money that I’ve been spending every year, in addition to my health insurance premiums, and in addition to medical-type expenses that aren’t covered by the FSA (like the sneakers I buy because of my knee and back problems, but that aren’t technically a medical expense.)  What would you do with an extra $250?  Spend it on more medical stuff?  Save it?  Go to a fancy dinner?  Good, now go set up your FSA!

And if you don’t have access to an FSA, let’s brainstorm on how to get access to everyone.  It’s not right to offer this federal tax advantage to only some citizens.  It’s bad enough that health insurance is so often tied to your employer, but federal tax benefits shouldn’t be!  I know many healthy (and some not so healthy) people who think it is a waste of time to save receipts for an FSA.  For those of us who spend thousands and thousands of dollars every year on our healthcare, above and beyond premiums, those few minutes of effort can have huge payoffs.  Everyone deserves a shot at those payoffs.


Get your flu shots while you can

August 31, 2011

Shots are very controversial.  I get that.  But for those who want shots, and who are at high risk (if you’re reading this, there’s a good chance you’re high risk) then it’s a good idea to get one.

Also controversial is the government’s role in healthcare.  That’s a topic for a different day.  Or maybe for 10 different days (I have a lot to say on that topic).  Regardless of what you think and believe, the government does play role in healthcare.  In this case, it plays a role in flu shots.

I just read that the state of Massachusetts is going to offer fewer shots this year.  In fact, it’s going to offer fewer than half as many shots as it did last year.  If you have health insurance, you won’t really be affected.  If you don’t have health insurance, you’re probably more in need of the shots, and will have more trouble getting them.  Great job guys.  Really, good going.  I get that times are tough.  They had to make budget cuts.  But when people are dying of the flu this season, maybe the idea of throwing that extra cash into the rainy day fund won’t seem so brilliant anymore.  I hope I’m wrong.  I hope these 14,000 shots suffice for all who need them.  I really, really hope I’m wrong…..


Playing political hot potato

August 7, 2011

I read an interesting article today about the Republican presidential candidates’ views on embryonic stem cell research.  Actually, the article was about whether or not each would support funding for this research.  If you are unfamiliar with embryonic stem cells, here is information from the NIH.  This is a topic I have followed for many years, and I certainly have opinions on it.  I am expressing my own opinions here and no one else’s.  This is very controversial topic and I do not intend to offend anyone.  This is simply how I feel.  I will also state that embryonic stem cell research is very unlikely to help my conditions.  That makes it no less important of an issue to me.

First, let’s remember that we don’t know what these stem cell lines may or may not be able to cure.  That said, I think that if you’ve never had a serious illness, you are certainly entitled to your opinion, but you must also admit that you do not understand the emotional reaction that those will CIs will have.  I simply ask that you do not pretend that you understand.

Next, I do not think that religious views should be a part of this discussion in any way.  Many people use references to a bible or a higher being in these discussions.  However, if someone can impose their religious views on me, then I should be able to impose my religious views on them, and things get messy.  We are not a Christian nation, a Jewish nation, an atheist nation, a Buddhist nation, an Islamic nation, or a nation that is any other way devoted to a single religion.  Therefore, religion is not a part of this issue.

If I was given the choice of saving one baby from death or saving one million other people from death, I’d choose the one million.  If I was given the choice of killing one baby or killing one million people, I would reluctantly choose the baby.  What we’re talking about is less black and white.  In fact, there are many shades of gray.  Are we talking about killing a baby to potentially cure millions?  Not quite.  Are we talking about preventing the formation of a baby in order to potentially cure millions?  That’s closer.

Of course, the real problem is that we (U.S. society) disagree on when life begins.  Does it begin when an embryo is formed?  Does it begin when a fetus is able to survive independent of the mother/surrogate?  If you believe that life begins at the moment of conception, then I can understand why embryonic stem cell research bothers you.  However, instead of fighting embryonic stem cell research, I suggest that you fight the creation of the embryos to begin with.  The embryos used for this research are created with the consent of the donors, and they will be destroyed if they are not used for this research.  If you do not believe that life begins at the moment of conception, then this argument is harder to understand; there is no reason to argue against the research.  If a collection of cells can not survive on it’s own, then is it really a life?  Yes, there are organisms that are considered living even if they can not survive on their own.  They are called parasites.  Humans, however, are not parasites, and can not survive as such.  Therefore, I personally believe that life does not begin at conception.

Now, consider that an embryo is a collection of cells.  This is scientific fact.  In the case of embryonic stem cells, this collection of cells was formed in a laboratory.  It was not formed naturally.  In general, these embryos are going to be destroyed if they are not used for this research.  If the research does not occur, then what should be done with these cells?  I have not yet seen any of the candidates, or any other politicians, propose alternatives.  Should these cells be implanted in women?  What if the donors do not want the cells to be implanted in other women?  What if other women do not what them?  If the cells are considered a life, then how can be they turned into humans, and who would care for these children once they are born?  I believe that anyone arguing against embryonic stem cell research on the grounds that a life is being destroyed must have answers to these questions.  I do not believe the answers are relevant to the discussion, but I am curious as to why no one has suggested answers yet.

Now, let’s go back to the earlier questions.  If you believe that embryonic stem cells are created by killing babies, then I can understand that it does not matter to you how many people may be helped.  There are arguments for the research which center on the number of people who could potentially be helped and I think this is a bad approach.  We do not know how many people could be helped or in what ways.  What we do know is how the research itself is being conducted.  Our tax dollars pay for many different kinds of research on the grounds that it will help us collectively.  Some research succeeds and some does not, but it must be conducted in order to find out what the results will be.  The question is not how many people could be helped, but whether or not there is an ethical objection to the manner in which the research is conducted.  I do not believe that there is.