Dreams of Dead Stars, Part III, ch. 19: Halls of Strife
( Read more... )
A day too big for one day
Almost nothing has happened today, but that gives me a chance to talk about everything else that happened yesterday, hopefully before I forget.
I woke up and actually managed to get the train and tram to lift club. The last couple times I'd tried to make it there on public transport hadn't worked out, so it was nice to be able to make it. Especially because it's the last one of the year! At the end I gave George a hug that he said was so good it changed his life. "I'm a very enthusiastic hugger!" he said. "People aren't usually able to meet my energy!" But I guess I did. I love George, even if he does put me on a pedestal a little bit sometimes.
I got a lift home, with had the usual good chats with my pal D. I went right to Teddy's house to walk him, because our usual evening-walk had been swapped to morning walk this once. So this was not only the day that his human, Graham, was having his knee operation, he was having it as we were walking! I let Teddy lead me around the neighborhood for as long as I could but I had a big list of things to do so had to drag him home eventually. I had a good catch-up with Sylvia -- her sister was there, who is so effusive about how much of a help my household has been, aww -- but did have to scurry home so I could have a shower and be on to the next thing.
The next thing was D and I going most of the way to Liverpool to help a relative of V's who's cleaning out his mum's house. We've done this a few times and it's nearly done now. He'd saved me some apple-shaped dishes that I'd coveted the first time but left there; when I was looking through photos of the year for something parent-suitable I saw the photo of these dishes that I'd sent V in order to squee about them, and I was really sad that I hadn't taken them after all. I didn't expect them to have been put to one side for me but since they were I figured it was a sign and eagerly brought them home. They were greeted when I got here by
angelofthenorth who recognized them immediately and has a couple herself. It was nice to feel so validated in that decision!
D and I spent a long time at the recycling center, separating stuff out into the appropriate bins. I was stymied by what to do with all the food: all the half-finished bags and jars that a well-stocked home cook had -- the jars all labeled neatly and everything. It was sad to have to get rid of it all. In the process I cut my finger on a bit of broken glass and had to ask the staff for first aid: one employee shouted to another in the scousest accent I've ever heard: "Alex! This man needs to wash his hands! He's got an injury!" They also gave me a little wound-cleaning wet wipe and a band-aid so it was okay.
I got home and needed a nap because we were going out again that evening. To see Karkasaurus and Petrol Bastard, which was such fun even if there was so much dry ice I could taste it and it felt like I was in beginning-of-horror-movie levels of fog. And like I said D got his Loop earplug stuck in his ear, but V got it out today so that's worked out okay. We ran into a number of people that we know there, from different things -- sign of a good gig -- and might have been led astray for a completely extraneous pint afterwards, by this person and her girlfriend and their Welsh friend. Said person continues to be delightfully tactile around me in a way that usually doesn't get to happen absent some romantic or sexual interest, and it's utterly delightful.
And then we left them to their reckless ways and got an uber home just before midnight which is why I didn't have time to talk about all of this in yesterday's blog post!
I did well to be feeling as okay as I am today; I think the fact that I continue to get insomnia when I'm drunk, which at least means I can drink water while I'm awake, keeps the hangovers from being as bad as I've been led to expect in my forties!
Understanding Health Insurance: The Three-Stage Model [healthcare, US, Patreon]
- Introduction
- A Health Plan is a Contract
- The Three-Stage Model ⇐ You are here
The Three-Stage Model
When you have health insurance, you have a contract (health plan) with the insurance company that says that for the duration (the plan year) of the contract, you will pay them the agreed upon monthly fee every month (the premium), in exchange for them paying for your health care... some.
How much is "some"? Well, that depends.
To understand what it depends on, you have to understand the three-stage model that health plans are organized around.
This three-stage model is never described as such. It is implicit in the standard terms (jargon) of the health insurance industry, and it is never made explicit. There is no industry term (jargon) for the model itself. There are no terms (jargon) for the three stages. But health insurance becomes vastly easier to understand if you think about it in terms of the three-stage model that is hiding in just about every health plan's terms (agreements).
( Read more: 12,170 (sic!) riveting words about health insurance in the US] )
This post brought to you by the 221 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.
Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!
How you know you're middle aged and going to gigs:
After the (amazing!) support act Karkasaurus, we went back to the bar and the first thing D said was "I have got to improve my cardiovascular fitness." (I wasn't expecting this at all, so I burst out laughing.)
His ear plug came apart when he tried to take it out, and it's still stuck in his ear. I got to put a teaspoon of olive oil in his ear now that he's in bed, which might help it find its way out. Protecting your hearing is important, but what a nuisance this is!
Do I Know You?, by Omicron Seti III (filk folk song, 1979)
Do I know you?Blurb: A fan (filk) song about how fans find meaning, joy, and other worlds through Star Trek.
Are you dreaming of tomorrow?
If so, it seems you're a starchild, just like me.
The night's alive,
And we travel 'cross the light years,
TV screens and books of dreams can set us free.
Why is it worth your time?: It's an old fandom song about finding home and new worlds in the fictional. Definitely worth a listen to, for any fiction folk around!
Plural/1+ Tags: abuse not mentioned, creator speaks from experience, otherworld, fictioneers
Content Warnings: None
Accessibility Notes: I will post the lyrics in the comments! Otherwise, it is only available in The Complete Omicron Ceti III Lyric Book (not screenreadable) and the record album Only Stars Can Last.
Update [me, health, Patreon]
Patrons, I've got three Siderea Posts out so far this month and it's only the 12th. I have two more Posts I am hoping to get out in the next three days. Also about health insurance. We'll see if it actually happens, but it's not impossible. I have written a lot of words. (I really like my new keyboard.)
Anyways, if you weren't planning on sponsoring five posts (or – who knows? – even more) this month, adjust your pledge limits accordingly.
* It was my bra strap. It was doing something funky to how my shoulder blade moved or something. It is both surprising to me that so little pressure made so much ergonomic difference, and not surprising because previously an even lighter pressure on my kneecap from wearing long underwear made my knee malfunction spectacularly. Apparently this is how my body mechanics just are.
Choosing Health Insurance: HSAs: FYI re bronze, catastrophic plans [healthcare, US, Patreon]
0.
Hey Americans (and other people stuck in the American healthcare system)! Shopping for a health plan on your state marketplace? Boy, do I have some information for you that you should have and probably don't. There's been an important legal change affecting your choices that has gotten almost no press.
Effective with plan year 2026 all bronze level and catastrophic plans are statutorily now HDHPs and thus HSA compatible. You may get and self-fund an HSA if you have any bronze or catastrophic plan, as well as any plan of any level designated a HDHP.
2025 Dec 9: IRS.gov: "Treasury, IRS provide guidance on new tax benefits for health savings account participants under the One, Big, Beautiful Bill"
Bronze and Catastrophic Plans Treated as HDHPs: As of Jan. 1, 2026, bronze and catastrophic plans available through an Exchange are considered HSA-compatible, regardless of whether the plans satisfy the general definition of an HDHP. This expands the ability of people enrolled in these plans to contribute to HSAs, which they generally have not been able to do in the past. Notice 2026-05 clarifies that bronze and catastrophic plans do not have to be purchased through an Exchange to qualify for the new relief.
If you are shopping plans right now (or thought you were done), you should probably be aware of this. Especially if you are planning on getting a bronze plan, a catastrophic plan, or any plan with the acronym "HSA" in the name or otherwise designated "HSA compatible".
The Trump administration doing this is tacit admission that all bronze plans have become such bad deals that they're the economic equivalent of what used to be considered a HDHP back when that concept was invented, and so should come with legal permission to protect yourself from them with an HSA.
Effective immediately, you should consider a bronze plan half an insurance plan.
( Read more [3,340 words] )
This post brought to you by the 221 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.
Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!
- 1+:abuse:not mentioned,
- 1+:creator speaks from experience,
- 1+:otherworld,
- 1+:people:dreamfolk,
- 1+:people:fictioneers,
- access:audio/dubbing,
- access:backed up,
- access:bootleg,
- access:online,
- access:screenreadable,
- audience:everyone,
- genre:fanfiction,
- genre:poetry,
- genre:sci-fi,
- length:short,
- medium:audio,
- time:1970s
Going Home, by Omicron Ceti III (Star Trek fan song, 1979)
I know a place so far away, a place I long to see,Blurb: A song about "Fans' feelings about [Star] Trek."
There's no way to travel there, I must reach it in a dream,
The dreams they are so special, they take me there again,
A thousand conquered dangers, heroes, lovers, friends.
Why is it worth your time?: It's an old fandom song about finding home and new worlds in the fictional. Definitely worth a listen to, for any fiction folk around!
Plural/1+ Tags: abuse not mentioned, creator speaks from experience, otherworld, dreamfolk, fictioneers
Content Warnings: None
Accessibility Notes: I will post the lyrics in the comments; you can also listen to it on YouTube! Otherwise, it is only available in The Complete Omicron Ceti III Lyric Book (not screenreadable) and on the album Only Stars Can Last.
I wanted to be a bear, now I just want to hibernate
I was so tired after work I had a nap. Didn't notice D texting to say dinner is ready. He came upstairs to see how I was doing...and now is asleep himself.
Comic: Old Man Yaoi (2025)
Image and textual transcription behind the cut!
Good things about my train journey
I had a lot of them today and they were mostly exhausting, but
The train manager on the train to Euston told us what platform we'd come in to (making it clear that there might be a last-minute change!), what side the doors would open on, how to get to the Underground and even buses and taxis. Since it's a station I know well, I could verify that everything he was saying was the right amount and kind of information that would've helped me if I hadn't known that and needed to.
I'm not sure this is what was going on because it might not have been working that way but... I think that there was a new feature over the two accessible toilet doors in Euston: there were big lights over the doors, one was red and one was green, so I assumed this meant one was locked and one is open. Like I said my experience made this kinda confusing but it at least made me think it'd be a really good idea! At the moment I have to look for a teeny circle near the lock/handle of the door and determine whether it's white or red. Which, in dim locations like you get at Euston, can be surprisingly difficult! And I feel like an idiot trying my key in a locked door and I don't like to stress out the occupant -- I at least find it stressful when I'm in there and hear someone trying the door, suddenly unsure that I locked it or that it has stayed locked. If a big red or green light over the door could be relied on and rolled out, that'd be great.
The Guy in the Glass, by Dale Wimbrow (poem, 1934)
For it isn't your Father, or Mother, or Wife,
Who judgement upon you must pass.
The feller whose verdict counts most in your life
Is the guy staring back from the glass.
Blurb: A poem about the importance of honesty and being able to make peace with yourself.
Why is it worth your time?: It's a good poem! Probably not intended to be plural, but hey, if it's about making friends with yourself, who's to say it ain't? It's free, online, and almost a hundred years old, what more could one want out of life?
Plural Tags: abuse not mentioned, friendship
Content Warnings: None
Access Notes: Free, online, and screenreadable at https://www.theguyintheglass.com/gig.htm thanks to Wimbrow's children! Back-up link here: https://web.archive.org/web/19990428030413/https://www.theguyintheglass.com/gig.htm
Misc Notes: Wimbrow's kids list the context and copyright information of this poem here: https://web.archive.org/web/19991008172354/http://www.theguyintheglass.com/copyright.htm
The Girlfriend Experience by C.Z. Tacks (sci-fi short story, 2025)
Something—not a thought, but almost—flickered across her gray matter. The Smoulder, walking; looking at the faded wallpaper; feeling the flexion in her feet. And then it was a thought:Blurb: In the future, sex worker Evie uses a technological 'costume' to help her with her job, and in particular a client of hers known as 'the company man'. But the costume has been starting to act strange recently...
[This again?]
(Wait, were costumes supposed to remember—)
Why is it worth your time?: It's good! I like how sex work is presented as just A Job in the story - not something uniquely awful but not exactly Great either. I also found the high-tech costumes to be an interesting piece of tech, and the story uses them very well
Plural/1+ Tags: bodyhopping, type:setting-specific, type:switching. Not really sure how to rate the abuse in this one??
Content Warnings: include spoilers; see comments
Accessibility Notes: Online, free, screenreadable here: https://www.lightspeedmagazine.com/fiction/the-girlfriend-experience/ Back-up link here: https://web.archive.org/web/20250922133223/https://www.lightspeedmagazine.com/fiction/the-girlfriend-experience/
Understanding Health Insurance: A Health Plan is a Contract [US, healthcare, Patreon]
- Introduction
- A Health Plan is a Contract ⇐ You are here
- The Three-Stage Model
Health Insurance is a Contract
What we call health insurance is a contract. When you get health insurance, you (or somebody on your behalf) are agreeing to a contract with a health insurance company – a contract where they agree to do certain things for you in exchange for money. So a health insurance plan is a contract between the insurance company and the customer (you).
For simplicity, I will use the term health plan to mean the actual contract – the specific health insurance product – you get from a health insurance company. (It sounds less weird than saying "an insurance" and is shorter to type than "a health insurance plan".)
One of the things this clarifies is that one health insurance company can have a bunch of different contracts (health plans) to sell. This is the same as how you may have more than one internet company that could sell you an internet connection to your home, and each of those internet companies might have several different package deals they offer with different prices and terms. In exactly that way, there are multiple different health insurance companies, and they each can sell multiple different health plans with different prices and terms.
( Read more... [7,130 words] )
This post brought to you by the 220 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.
Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!
Understanding Health Insurance: Introduction [healthcare, US, Patreon]
Preface: I had hoped to get this out in a more timely manner, but was hindered by technical difficulties with my arms, which have now been resolved. This is a serial about health insurance in the US from the consumer's point of view, of potential use for people still dealing with open enrollment, which we are coming up on the end of imminently. For everyone else dealing with the US health insurance system, such as it is, perhaps it will be useful to you in the future.
Understanding Health Insurance:
Introduction
Health insurance in the US is hard to understand. It just is. If you find it confusing and bewildering, as well as infuriating, it's not just you.
I think that one of the reasons it's hard to understand has to do with how definitions work.
Part of the reason why health insurance is so confusing is all the insurance industry jargon that is used. Unfortunately, there's no way around that jargon. We all are stuck having to learn what all these strange terms mean. So helpful people try to explain that jargon. They try to help by giving definitions.
But definitions are like leaves: you need a trunk and some branches to hang them on, or they just swirl around in bewildering clouds and eventually settle in indecipherable piles.
There are several big ideas that provide the trunk and branches of understanding health insurance. If you have those ideas, the jargon becomes a lot easier to understand, and then insurance itself becomes a lot easier to understand.
So in this series, I am going to explain some of those big ideas, and then use them to explain how health insurance is organized.
This unorthodox introduction to health insurance is for beginners to health insurance in the US, and anyone who still feels like a beginner after bouncing off the bureaucratic nightmare that is our so-called health care system in the US. It's for anyone who is new to being an health insurance shopper in the US, or feels their understanding is uncertain. Maybe you just got your first job and are being asked to pick a health plan from several offered. Maybe you have always had insurance from an employer and are shopping on your state marketplace for the first time. Maybe you have always gotten insurance through your parents and spouse, and had no say in it, but do now. This introduction assumes you are coming in cold, a complete beginner knowing nothing about health insurance or what any of the health insurance industry jargon even is.
Please note! This series is mostly about commercial insurance products: the kinds that you buy with money. Included in that are the kind of health insurance people buy for themselves on the state ACA marketplaces and also the kind of health insurance people get from their employers as a "bene". It may (I am honestly not sure) also include Medicare Advantage plans.
The things this series explains do not necessarily also describe Medicaid or bare Medicare, or Tricare or any other government run insurance program, though if you are on such an insurance plan this may still be helpful to you. Typically government-run plans have fewer moving parts with fewer choices, so fewer jargon terms even matter to them. Similarly, this may be less useful for subsidized plans on the state ACA marketplaces. It depends on the state. Some states do things differently for differently subsidized plans.
But all these different kinds of government-provided health insurance still use some insurance industry jargon for commercial insurance, if only to tell you what they don't have or do. So this post may be useful to you because understanding how insurance typically works may still prove helpful in understanding what the government is up to. Understanding what the assumptions are of regular commercial insurance will hopefully clarify the terms even government plans use to describe themselves. Just realize that if you have a plan the government in some sense is running, things may be different – including maybe very different – for you.
On to the first important idea: Health Insurance is a Contract.
- Introduction
- Health Insurance is a Contract
- The Three-Stage Model
Deity Swag with Cartoonist Style!
- BE NOT AFRAID, by LSJM(?) Black, white, and red one-pager that’s like if the angel from Pet was giving you a Trump-era pep talk.
- Secret Black Woman, by Ingrid Pierre. Autobio about anti-black racism, anti-Asian racism, passing, and being biracial.
- Default, by JCJB. Poetry essay watercolor about fighting empire and suffering. We think Phosphor of
hungryghosts would like this! - Prompted: an educator’s response to generative AI in the classroom, by Caroline Hu. Science, chatbots, and college. We think
erinptah would like this! - Cannon Fodder, by Eric Alexander Arroyo. Queer mecha pilots in love during wartime. Got it for the sci-fi library; we have now purchased all three printings of this, haha.
- Maintenance, by Cryptozoology. “What if a robot liked it when their creator performed upkeep on them (in a sexual way) and they were both girls???” Grabbed for sci-fi library.
- Silhouette, by L/V. Navy blue Riso robot porn. May also end up in sci-fi library because the art is so gorgeous.
"mom's friend a long time ago."
Mom and Dad told me tonight about two friends of my brother's, and one of them's mom who was the school nurse at the time so knows all of us as well as being the mom of his friend, who she's run into lately who told her they always remember Chris at this time of year.
Two of the three apparently said especially that it was twenty years this year, and my mom was surprised that they remembered that specifically. But I have a couple friends about my age who had schoolfriends die when they were in school or soon after, and they certainly remember the person and how long it's been. We are lucky enough to live in an age when child/young person death is rare enough to stand out.
The school nurse mom even told my mom about how her daughter's kids know about him because the daughter has a Christmas ornament with a photo of my brother on it which my parents had made and handed out to people the Christmas after (I got one too, in my terrible flat in West Didsbury, but I never really wanted it and lost it along the way). The kids know about all the ornaments on their tree so they know this one is for "Mom's friend who died a long time ago." I love that.
On a kinda rough day, before two days in London for work that I'm dreading, this was a nice moment.
Their mom and my brother had been friends since kindergarten, when she was one of the girls who called him Kissyfur after a cartoon of that time, and who he used to entertain by doing stuff like pretending not to notice when the girls put snow in his hat and he put it on anyway so they could all laugh.
She sang at his funeral, which is such a gift to be able to offer a peer, when you're only twenty-one.
(no subject)
And it’s been the bestseller at MICE so far! I’ll be working a final shift at table 32 from 11-2 tomorrow on Sunday; be the first on your block to have some pink trans dongs!
(observed)
angelofthenorth gave me my birthday presents today! I thanked her and said I was surprised because it's not my birthday yet. But V and I always have a joint party - after their birthday and before mine - and that's today.
She sensibly pointed out that they won't see me for my birthday, as I'll be off doing family xmas things by then.
So, yeah, why not, today's my birthday.