bc i'm 35+ and still playing recreational sports at a high level and injury prone

im hoping these are just bruised ribs instead of fractured ribs and deciding if i want to bother getting it looked at bc I pretty much stay at the doctors

i do pay more for my inusrance intentionally by having my wife on mine, flex spending, and also bc we have a lot of options at work and this is the most flexible and versatile

i pretty much am accepted everywhere and don't need referrals or anything

administration is a bitch bc even though we have options...our HR is fucking dumb...had my wife listed as a newborn and shit and random lapses in coverage...just a bunch of HR administrative fuckups but that's not the insurance companies fault