I find those randomly started projects and the dim activity chart deeply relatable haha

A programmer? Mah man!!

Pretty sure you could get a bit of mummy for that price

The one time I've personally heard about a claim being denied (at first) was when a person who is in group therapy wanted to do their insurances online solo therapy offer as well. Technically, the law says that doing solo therapy in addition to group therapy is fine, but that specific online program was intended as a catch-all offer for people who can't find a therapy spot at all. But I think the insurance gave in and let them take it anyway after a call or two.

I know insurances are allowed to not cover it if you want wacky treatments like chiropractors and acupuncture. Some treatments, like tooth cleaning, are limited to I think twice a year, after that you have to pay the dentist out of pocket. There are also certain meds that count as "lifestyle drugs", which are not covered by default. I know that Mounjarno (the weight loss version of Ozempic) was one of them. So if your doctor decides to prescribe it, they write it down on a green sheet of paper to signal that it's self-pay only. There was some sort of system to ask the insurance for an exception, but I've never heard of anyone needing to do that.

What I've never heard either is insurances denying MRIs or anything like that. I don't think they're allowed to do that here?? I've only ever had one MRI and a few X-Rays taken, but when I did I wasn't even thinking about the insurance because whenever something isn't covered by insurance doctors will usually wait a second and ask whether you're sure that you want to pay yourself. If they don't ask, it's fine.

Nicht spezifisch für die Feiertage, aber mein Partner und ich spielen in letzter Zeit sehr gerne die Reise-Version von Azul :)
Die Regeln sind einfach genug als dass unsere Familien sich drauf einlassen würden, und die Bretter der Reisevariante sind sehr nice.

Codex Naturalis kommt auch ganz okay bei unseren Familien an, braucht aber tendenziell ein bisschen zu viel Platz zum spielen.

Apparently I'm a poweruser haha

I mostly use the app for fancy sweet pastries nowadays. They don't really go stale like bread does, and I kinda appreciate that I get a random one and don't have to make a decision on which to get.

Also, pro tip for anyone who comes across this! If you're aiming to snipe a specific bag, don't waste your time by refreshing your list of favourite bags by swiping down to get the little refresh animation. It's deceptive, the list itself is actually cached and does not refresh in real time. Instead, refresh by clicking on the listing for the bag you want and then click your back button to go back and forth. Opening the listing does load the real time state of the bag!

Interesting! Is there a color for medicine that is absolutely necessary? I know that when I was seriously messed up and needed Antibiotics those were put on a pink slip, idk how optional those were :o

I've also seen the green papers, which are for completely self-paid stuff (so like, weird unproven teas and supplements)

That sounds nice and simple! I don't 100% understand the German system either, I just know that it costs about 15% of my income each month (half is paid by my employer), and if my doctor writes a prescription on a pink sheet of paper, the meds don't cost me more than like 5-10€ (apparently it's some sort of co-pay thing).

We also have a system for private health insurance, because people employed by the government aren't allowed to benefit from the government-subsidized health insurances. But I'm not earning enough to know specifics about it haha