WEBVTT
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It is time to leave your worries outside and laugh
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with us inside the treehouse. I'm Daniel Mallley, along with
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Trey Trendholm and Raj Sharma. It used to be that
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a sign of fall is when Starbucks shifts into fall
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drink mode, which the last few years has actually started
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in August. But right now it seems like the first
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indicator of a changing season, even though it's not. Is
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my annual head cold? Yeah, I don't think you can
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necessarily hear it in my voice yet, but my wife
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heard it in my snoring last night. So while I
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can actually breathe through my nose, I can feel it
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in the back of my throat. I can feel it
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building inside my head. And I'm not the only one.
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I have a cold as well.
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This is one of the few times that Trey is
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not the sick one.
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Yeah, especially when it comes to sinus and allergy stuff.
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Yeah, well, I look at it this way. It could
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be way, way worse. We could have gone on vacation
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and had a wild bat fly into our mouths. Okay, yeah,
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aren't you glad you aren't this lady? A woman on
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vacation wound up with over twenty thousand dollars in medical
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bills after a bat flew into her mouth. Wow, I
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realized this is a story about a woman on vacation
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and a bat flies into her mouth. But this story
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has a larger picture, and that is the state of
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our medical insurance situation. So a little more info here.
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A woman on vacation whose employer sponsored health plan had
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lapsed after recently being laid off wound up with over
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twenty thousand dollars in medical bills after a bat flew
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into her mouth. Erica Khan was visiting Glenn Canyon National
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Recreation Area in Arizona last August when the horrific encounter
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with the winged mammal took place. The former biomedical engineer
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noticed a number of bats flying around while she was
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outside taking pictures of the night sky, but didn't think
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much of it. That is until one got too close
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for comfort, winding up trapped between her camera and her face.
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When she screamed in terror, sorry a little laugh, an
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unknown part of the bat wound up in her mouth
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for a few seconds. I love this story unknown part
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of the bat, but I think we all know what
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part we want.
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It to be.
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Yeah, I don't I don't think they wanted to say, and.
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Might might explain the source of infection. Anyway. Her father,
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a physician who had been traveling with her, loved that sentence.
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Who had been traveling with her until the bat queen
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flew into his daughter's mouth, and that's when he's like,
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that's it, I'm no more traveling with you, said she
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should immediately start a course of Rabi's treatments, even though
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she wasn't sure if she had been bitten. I like
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to think I would know if a bat bit.
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Me when I think that's just the protocols to do
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RABY shots.
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Right, I guess, But I mean if it didn't actually
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bite you, I mean, what's It's just you just came
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in contact with it. Although it sounds like she did
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come in close contact with the bat.
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Sounds like she bit the bat.
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Ooh, sounds like it.
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Actually.
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I know we're all missing Aussie, but that's a little ridiculous.
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There are other ways to pay your respects. She quickly
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went online to purchase a medical insurance plan before going
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to a hospital and flagstaff to begin treatments, under the
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impression it would cover her two week course of RABY shots,
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which she received at clinics in Arizona, Massachusetts, and Colorado.
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But her biggest shock came when the bill arrived, showing
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she owed twenty thousand, seven hundred and forty nine dollars
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between the four facilities for treatment, including four doses of
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the rabies vaccines and three shots of immunogloblin to increase
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antibodies against the virus, which is fatal if left untreated.
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She didn't realize the insurance plan she had purchased a
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day before starting treatment required a thirty day waiting period
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before coverage would kick in. An explanation of benefits letter
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she got in the mail grimly explained. She says that
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I thought it must have been a mistake, but I
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guess I was naive. Yeah. After being laid off from
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her engineer position the previous month, she opted against keeping
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her insurance under Cobra for six hundred and fifty dollars
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a month, rolling the dice that she would not wind
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up facing an unexpected medical emergency. This is another shocking
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angle to this story. The fact that she could have
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had Cobra for six hundred and fifty dollars a month
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is astounding because when I was in that exact position
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almost three years ago. It was not six fifty a month.
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It was like nineteen hundred dollars, to which I said, no,
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I'm good, I'll just go cash patient if something bad
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does happen.
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Okay, Yeah, soifty a month, that is uh, shockingly low
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for cobra.
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Yeah, I don't know what cobra is.
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Cobra is a temporary healthcare. It basically when you get
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laid off or fired from a job and you have healthcare,
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it's kind of a technically it's government subsidized, but you
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pay out the ass for it, but they they by law,
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have to continue covering you, I want to say, for
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six months if but you have to pay it's you're
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basically paying what you were paying plus what the employer
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contributions were.
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So uh like, it is freakishly expensive.
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The last time I dealt with cobra was when we
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got laid off from CBS at the end of two
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thousand and eight, so the first part of two thousand
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and nine. And I think my Cobra then was like
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seventy seventy five like, and that's such seventeen years ago.
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And that was before the Affordable Care Act and everything,
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and you know, completely changing. Uh so, yeah, that's that
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is shocking.
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Yeah, so cobra is an option, but it is in
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no way a good option when it comes to extending
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the health benefits you had at your previous job. It
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basically is just telling you, Okay, you can keep this,
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but it's going to be so expensive at a time
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when you can't afford to be spending shocking amounts of
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money on really anything, that you really do wind up thinking,
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you know, it's probably better off that I just try
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to find something else like Affordable Care Act options or
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just go cash patient and hope that I don't catch
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anything between now and the next job.
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Well, and a lot of times it's the realization of
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what healthcare actually cost and what the employer contribution is
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on those things.
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Yeah, and it's also an important reminder that if you're
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around many many bats, keep your mouth shut.
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Solid advice. I mean, the more you know.
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I'm here to help, I am. I am a I
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am a one man public service announcement. When you're around fats,
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keep your mouth shut.
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Now, I feel to say, it's ten pm. Do you
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know where your children are?
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You're listening to the Treehouse.
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Visit us online at Treehouse on Air dot com.
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Let's get Daniel Cook from Cook DFW Roofing and Restoration
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into the Treehouse right now for your free roof inspection
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called eight three three Cook DFW. Check out their phenomenal
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work on the website cookdfw dot com. Daniel, I've been
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in town recently and you and I got to hang
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out a couple of times, and you told me the
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excellent news that you guys are starting to help people
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with outdoor spaces now.
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Absolutely Den And you know, it's a fun project. It's
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usually projects that people have been thinking about for sometimes years,
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and we're going to be able to implement them now.
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So and on top of that, we're going to be
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running a promotion here starting you know, basically August first
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until the beginning of September. People have us come out,
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They're called into the office, tell us that they're interested
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in getting an estimate on either extending their concrete pad,
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putting stamped concrete in pergolas, patio extensions, adding outdoor kitchen,
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all kinds of fun things, and so have us come
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out during that time frame. We're going to come out,
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give you the estimate. What does kind of you know,
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costs are going to be and even if you don't
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get the item right, then we're still going to enter
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you into promotion to win a big green egg that
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we have partnered up with one of the local barbecue
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stores for and then that way, at the end of
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that promotion, we're going to draw somebody's winner. Regardless if
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you purchase from us or not, somebody's gonna win a really,
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really cool, big green egg that's outstanding.
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So call Cook DFW Roofing and Restoration today not only
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for that free roof inspection, but to make that dream
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patio come true. Eight three three cook DFW. That's eight
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three three Cook DFW or the website cookdfw dot com.
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You're in the treehouse, visit us online at Treehouseonair dot com.
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This segment of the Treehouse Show is brought to you
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by Cook DFW Roofing and Restoration to get your free
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roof inspection called eight three three Cook DFW. You want
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to make sure that your roof is able to withstand
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the next storm, or you want to make sure there
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aren't any bats living up there that might fly into
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your mouth when you least expect it, leading to thousands
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of dollars in medical bills. Call Daniel Cook, let him
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go up there and interact with those things. Eight three
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three Cook DFW or the website Cook dfw dot com.
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I had intended to talk about one thing. I am
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now slightly distracted about the possibility of bat and mouth
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disease being a thing, so I'm going to keep my
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mouth shut as much as possible at dusk. But I
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got distracted by a third thing because during that break
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I look I look up at Trey, and Trey looks
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like he's in the middle of trying to book a flight.
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Not because I could see, and it's not that I
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could see the words of destinations or things. It's because
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I saw a distinctive yellow heading on the top part
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of his phone, which I know to be the Spirit
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Airlines website on a phone, Trey, is there something you
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need to tell us? Uh?
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No, I've got a work trip that I was booking,
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got to go to Vegas, and uh. I was exploring
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my options. And as I have said before, I really
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have never had a bad experience on Spirit. And you
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know what, you can book the basically Spirit first Class,
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which is those comfy seats and everything else, and uh,
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it was a good price.
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So I remember I had to school Fox four's consumer
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reporter Steve Noviello on this exact thing a handful of
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years ago, because I was in the middle of booking
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a flight to Saint Thomas, and Steve was like, you're
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going Spirit, Come on, dude, fork off the money, go
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take a nicer airline. And I said, well, hang on here,
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snobby Mick Snoberson, and I proceeded to tell him that
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for that particular leg going from Dallas to Saint Thomas,
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Spirit Airlines had the best track record. Is it the
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most comfortable seat? Hell no, but it got me there
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way better than American ever did and any others. So
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that was the one place that I would do it.
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And I told him same thing that you're saying right now, Trey.
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I can book the big front seat on Spirit Airlines
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for the same or maybe cheaper than I can economy
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on American. Yeah, and and then things aren't so bad.
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No, I can basically, you know, Southwest is the easiest
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for me just because I live right by love Field,
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But yeah, if I cannot be squished and for basically
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the same price, fly Spirit and get one of those big,
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comfy upfront seats. I'll take it.
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And now they've changed those big front seats to where
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you're buying a package, so you're not just buying the
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seat like it used to be. You buy the seat,
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and then if you want to drink some stuff, you
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got to pay for that as well. But now that
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big front seat is its own package. So you get
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the seat and you get free drinks and snacks and luggage, yes,
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and a free checked bag. And I think they even
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let you punch a flight crew member as well. That's
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a great package. Look, Spirit is aware of their of
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their of their customer base, so they'll give you one
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free smack after that. Then you know, FAA regulations kick it.
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But if you're flying coach in Spirit, you can't hit
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the flight crew. Sorry, you gotta pay for the privilege.
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Which is interesting because then because then depending on the flight,
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you may because sometimes they'll offer you things mid flight,
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you know, to maybe if you want to upgrade, So
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maybe that would be an interesting thing. It's like, oh,
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you're flying coach, but say one of the flight attendants
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really pissed you off, you can just ask the other
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one and be like, hey, how much to upgrade for
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punch a flight attendant. How much is that because I
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like to take advantage of that right now.
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Yeah, but you got to jump on that early because
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like everything with Spirit, it's a limited quantity, so not
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everyone is eligible for that upgrade.