November 2025 Newsletter, Volume 206

Dec. 8th, 2025 03:34 pm
[syndicated profile] ao3_news_feed

Banner of a paper airplane emerging from an envelope with the words 'OTW Newsletter: Organization for Transformative Works'

I. SPOTLIGHT ON FANLORE

In November, Fanlore ran the Fanlore No Fault November challenge: a catch-up event for earlier badges editors missed! The challenge ran from November 16 to 30, with many editors participating and earning badges from previous months.

Curious about editing Fanlore? Check out the New Visitor Portal and Tutorial for getting started!

II. ARCHIVE OF OUR OWN

On November 14, we celebrated AO3's 16th anniversary! \o/

Accessibility, Design & Technology continued to prepare emails for translation and improved how the download and chapter index menus behave with each other on smaller screens.

AO3 Documentation updated the Contacting the Staff FAQ.

Open Doors finished importing Oz Magi, an Oz annual gift exchange, and Stayka's Saint Seiya Archive, a Saint Seiya archive. They also shared an annual roundup of the fanzine collections created in the last year for fanworks imported through the Fanzine Scan Hosting Project (FSHP) and announced the upcoming import of a Harry Potter archive, PhoenixSong.

In October, Policy & Abuse received 5,061 tickets, setting a record high for the third month in a row. Support received 3,043 tickets. Tag Wrangling wrangled over 600,000 tags, or over 1,380 tags per wrangling volunteer.

Tag Wrangling also continues to create new "No Fandom" canonical tags and announced a new batch of tags for November.

III. ELSEWHERE AT THE OTW

TWC continues to prepare for the two upcoming 2026 special issues: "Disability and Fandom" and "Gaming Fandom". The submission deadline for the two 2027 special issues, "Music Fandom" and "Latin American Fandoms", is also quickly approaching on January 1.

In November, the OTW filed an Amicus brief in the United States Supreme Court, arguing that the Supreme Court should clarify the rules surrounding who can challenge a trademark registration application. In a case involving whether someone should own the trademark "Rapunzel" for dolls of the character Rapunzel, the OTW argued that the Trademark Office should consider the interests of the public—including fans—in deciding whether to award private ownership over a word or symbol that may be in the public domain.

Legal also worked with Communications on a news post about recent legislation and have responded to a number of comments and queries on this post and other issues.

IV. GOVERNANCE

Board continued work on annual turnover and meeting with all committees. They made progress on the OTW Procurement Policy and expected to get it finalized soon. They, along with the Board Assistants Team, also continued to work with Volunteers & Recruiting and Organizational Culture Roadmap on the ongoing Code of Conduct review.

Development & Membership has been catching up on post-Drive tasks.

V. OUR VOLUNTEERS

December 5 was International Volunteers Day! As a volunteer-run organization, the OTW would not be possible without the support and diligence of our volunteers. We thank all our volunteers, past and present, for the work they've contributed to the OTW.

If you're curious about volunteering for the OTW, we recruit for various positions on a regular basis, and recruitment will next open in January.

From October 25 to November 22, Volunteers & Recruiting received 287 new requests, and completed 270, leaving them with 63 open requests (including induction and removal tasks listed below). As of November 22, 2025, the OTW has 983 volunteers. \o/ Recent personnel movements are listed below.

New Fanlore Volunteers: Luana and 2 other Chair-Track Volunteers
New Policy & Abuse Volunteers: Anderson, Araxie, corr, Aspenfire, Klm, Mothmantic, Nova Deca, vanishinghorizons, and 1 other Volunteer
New Tag Wrangling Volunteers: 90Percent Human, Aeon, Alecander Seiler, ambystoma, Astrum, Atlas Oak, batoidea, Bette, Bottle, bowekatan, Bruno, Chaosxvi, Destiny, DogsAreTheBest312, Dream, elia faustus, Ellexamines, Elliott W, Gracey, jacksonwangparty, Jean W, Kalico, Keira Gong, Kiru, lamonnaie, Lavender, Loria, Lucia G, LWynn, Max, Nikki, Nioral, noctilucent, Our Hospitality, Primo, Rie, Salethia, Sapphira, sashene, Schnee, Scylle, sneakyowl, soymilk, Thaddeus, TheCrystalRing, thewritegrump, Water, Wintam, yucca, and 1 other Tag Wrangling Volunteer
New Translation Volunteers: 1 Translator
New TWC Volunteers: Lys Benson (Copyeditor)
New User Response Translation Volunteers: Cesium (Translator)

Departing AO3 Documentation Volunteers: 1 Editor
Departing Open Doors Volunteers: Irina, Paula, and 2 other Import Assistants; 1 Administrative Volunteer, and 1 Fan Culture Preservation Project Volunteer
Departing Policy & Abuse Volunteers: 1 Communications News Post Moderation Liaison
Departing Tag Wrangling Volunteers: Julia Santos (Tag Wrangling Supervisor); blackelement7, pan2fel, and 7 other Tag Wrangling Volunteers
Departing Translation Volunteers: weliuona and 2 other Translators
Departing Volunteers & Recruiting Volunteers: Alisande and 2 other Volunteers

For more information about our committees and their regular activities, you can refer to the committee pages on our website.


The Organization for Transformative Works is the non-profit parent organization of multiple projects including Archive of Our Own, Fanlore, Open Doors, Transformative Works and Cultures, and OTW Legal Advocacy. We are a fan-run, entirely donor-supported organization staffed by volunteers. Find out more about us on our website.

REVIEW: Doctor Who: The Sea Devils

Dec. 8th, 2025 04:00 pm
[syndicated profile] blogtorwho_feed

Posted by Peter Nolan

The Sea Devils wage war upon the land for the first time, in a fresh new version of the 1972 original

The opening salvo of The War Between the Land and the Sea have been fired. But really the conflict began half a century ago when Homo Aqua first stood up out of waves off the Isle of Wight. Back then, of course, humanity knew them as the Sea Devils, debuting in the story of the same name. Even then, of course, the ancient masters of Earth’s seas didn’t call themselves that. It was just a name fearful fishermen gave to the mysterious force sinking their boats.

But even as BBC One’s newest drama reinvents Homo Aqua, so has BBC Four revisited The Sea Devils. It’s the fourth is a series of recent special editions, following The Daleks, The War Games, and Pyramids of Mars. It’s intended to be the perfect way for first time watchers to see where it all began.

 

The Doctor (Jon Pertwee) is hunted by one of the ancient aquatic race in The Sea Devils (c) BBC Studios. The Doctor looks concerned and cautious as her carefully steps through a heavy steel door, not seeing the Sea Devil, like an upright, shell-less turtle, looming menacingly behind him
The Doctor (Jon Pertwee) is hunted by one of the ancient aquatic race in The Sea Devils (c) BBC Studios

Jon Pertwee’s Doctor has never seemed more dynamic, bouncing around the locations in a race to save the world

Editing of the new Sea Devils comes again courtesy of Benjamin Cook. His task is made slightly easier this time, compared to The Daleks and The War Games. For this, only an hour needing trimming from the original’s roughly two and a half hour run time. However, a bigger factor is probably that even by the standards of 1972, The Sea Devils featured many rather leisurely scenes of people entering or leaving various buildings and rooms.

It means the same approach Cook has previously taken works best here. Almost every plot strand remains intact, but small moments are trimmed from almost every scene. In fact, unless you’ve recently watched the ’72 version, you’ll probably struggle to identify most of the specific cuts. You will, however, have the strong sense of it all seeming much more urgent and fast paced than before.

Ironically, if anything it’s a strong contrast to the slow burn of The War Between the Land and the Sea. This version bounces Jon Pertwee’s dapper Doctor around, from island prison, to sea base, to sea fort, to Sea Devil base, with the speed and energy of a pin ball machine. It fits beautifully too with his relentless impatience to keep moving. He simmers dangerously ever time some jobsworth makes him stand still for even two seconds. It also better supports the dynamism of Pertwee’s performance, so often lost in the staging and direction of his era.

The new Sea Devils also tweaks the pacing in highly effective ways for the feature film format

As with the other recent edits, there’s a more modern, cinematic, acceleration of the plot as we speed towards the climax. This smartly adjusts the pace to be more suitable to a single 90 minute move. This does mean some pretty brutal cuts in the last couple of episodes’ worth of material. Fortunately, scenes like a mini-speedboat chase between the Doctor and the Master, are prime material for tightening up.

There are a handful of additions too. These mainly take the form of new establishing shot, including a new opening that echoes the opening shot of Homo Aqua. But there’s also a pleasingly cunning bit of dubbing which now directly reference the new show.

 

The Sea Devils emerge (c) BBC Studios. The 1972 original sea devils stand knee deep in water
The Sea Devils emerge (c) BBC Studios

The new team wisely retain the full charm of the original designs and effects

A complete revamp of 1972’s special effects was probably always going to be a challenge facing too far. As a result there’s only the lightest of touches. The Sea Devils themselves were never going to compete with their modern descendants with all their prosthetics and computer generated assistance. Nevertheless, there’s a great deal of charm in the boggle-eyed, flappy footed original. Adding blinking eyes, or more mobile faces, wouldn’t just have been beyond the budget available for a project like this but might have detracted from that charm. Nor do we get any CG Sea Devils doing underwater gymnastics.

There’s some beautiful model work from 1972, too, especially the nuclear submarine that plays such an important role in the action. Here, though, we do get at least one new CG shot as it escapes its underwater cage.

The Doctor (Jon Pertwee) and Jo (Katy Manning) in The Sea Devils (c) BBC Studios. The two sit talking
The Doctor (Jon Pertwee) and Jo (Katy Manning) in The Sea Devils (c) BBC Studios

The addition of Lorne Balfe’s War Between themes works surprisingly well, partly due to the eclectic surprises in Malcolm Clark’s original soundtrack

One of the biggest gambles in the new Sea Devils is the decision to include some of Lorne Balfe’s themes from The War Beyond the Land and the Sea. Malcolm Clarke’s original music is certainly distinctive; experimental even. Combining it with Balfe’s more cinematic score was always going to carry a risk of aural whiplash. However, Clarke’s original is already incredibly eclectic – part plaintive electro-warble, part menacing synth hiding in the basement, and part android cat taken by surprise. It all means the rumbling question mark of Balfe’s War Between theme fits right in. It’s just another random piece of this jigsaw of a soundtrack. It also mainly slides in during establishing shots and scene transitions, helping cover where these have been trimmed or combined.

There’s also a more modern business to the background noise in some scenes. These days we trust audiences a bit more not to be distracted by cross talk, so bustling control rooms now feel busier, with the constant hum of communications, rather than extras silently mouthing conversations.

 

Like a nostalgia powered magic trick, this is The Sea Devils as you remember it, full of fast paced action and moments of charm

For new viewers wanting catch up on where The War Between the Land and the Sea began, the new Sea Devils will likely feels like a brisk, is slightly goofy, runaround. But it’s also a worthy companion piece. Hulke and Davies share many of the same concerns about self-serving government bureaucrats, and the need to find common ground. At their darkest, both dwell too on the casual ease with which people with desks far from the action order the young to their graves.

For older fans, it works a kind of nostalgic magic. In many ways, this is The Sea Devils as you remember it, rather than as it actually was. All those little moments of charm are retained. The Master still whistles at clangers, and violent exercise still makes the Doctor hungry. And, yes, he still takes a light fingered approach to the sandwiches of both friends and foes.

There are also sword fights, boat chases, reversing the neutron flow, and Jo Grant’s escapology training. Things frequently blow up or catch fire and Captain Hart gets to fire a very big gun indeed. But it’s all so tightly paced, moving from suspenseful thriller to action movie, that it thrills the blood as effectively today, as it did for ten year olds back in the day.

 

Salt (Gugu Mbatha-Raw) and Barclay (Russell Tovey) in The War Between the Land and the Sea COPYRIGHT:BBC Studios,CREDIT LINE:BBC Studios/Bad Wolf/James Pardon. The two stand on the ocean floor in almost complete darkness, Barclay wearing a deep sea diving suit.
Salt (Gugu Mbatha-Raw) and Barclay (Russell Tovey) in The War Between the Land and the Sea COPYRIGHT:BBC Studios,CREDIT LINE:BBC Studios/Bad Wolf/James Pardon

The War Between the Land and the Sea continues with The Deep at 8.30pm on iPlayer and BBC One on Sunday the 14th of December

 

The post REVIEW: Doctor Who: The Sea Devils appeared first on Blogtor Who.

[syndicated profile] siriareads_feed

Posted by siria

"You tell him to take the lonely new guy out, you tell me to take the lonely workaholic out, so neither of us can refuse because we're doing it for someone else. A perfect snare."

Adamson's expression warmed even further, like he was fighting off a smile, a battle he didn't mind losing. "What a way to look at it."

Jack grinned at the non-denial denial. "Sure, Dr. Adamson. I'll show your protégé a good time."

The Day in Spikedluv (Sunday, Dec 7)

Dec. 8th, 2025 10:55 am
spikedluv: (winter: mittens by raynedanser)
[personal profile] spikedluv
I did two loads of laundry, hand-washed dishes, went for a walk with Pip and the dogs, cut up chicken for the dogs' meals, and changed kitty litter. I also placed a couple of Christmas orders. I made corned beef (one of Pip’s faves) for supper.

I started the next Amelia Peabody book and watched an HGTV program and most of the Bills game. I say most because I missed the entire fourth quarter (Best Part of the Game!!) due to making supper at that time. When I left the bedroom tv, the score was 28–18, Bills losing. The final was 39–34, Bills won! I mean, I’m glad they won, but I wish I’d seen it!

I also got more Christmas cards done! (If you haven't requested one, but would like a Christmas card from me, comment here!)

Temps started out at 30.9(F) and reached 37.9. The top layer of snow melted enough to be slippery, but it didn't feel warm.


Mom Update:

Mom was not feeling well today when I talked to her. more back here )

studying

Dec. 8th, 2025 07:38 am
flamingsword: We now return you to your regularly scheduled crisis. :) (Default)
[personal profile] flamingsword
Info to share on ME/CFS: sarahhhhealing on Linktree

Fun archaeology quiz!

Floating - a drifty, ambient myNoise generator

I have been looking into how love fades away from relationships, and I think there are two things relevant to my last relationship's demise: The Third Thing in relationships
We did not spend our days gazing into each other’s eyes. We did that gazing when we made love or when one of us was in trouble, but most of the time our gazes met and entwined as they looked at a third thing. Third things are essential to marriages, objects or practices or habits or arts or institutions or games or human beings that provide a site of joint rapture or contentment. Each member of a couple is separate; the two come together in double attention. Lovemaking is not a third thing but two-in-one. John Keats can be a third thing, or the Boston Symphony Orchestra, or Dutch interiors, or Monopoly.

Ghost and I had multiple Third Things when we started dating, and none left by the time things limped to the sad, tired finish line of divorce.

Adrienne Rich on love
An honorable human relationship — that is, one in which two people have the right to use the word “love” — is a process, delicate, violent, often terrifying to both persons involved, a process of refining the truths they can tell each other.

It is important to do this because it breaks down human self-delusion and isolation.

It is important to do this because in doing so we do justice to our own complexity.

It is important to do this because we can count on so few people to go that hard way with us.

We were isolated together, he stopped responding to my bids for attention so I stopped reaching out or sharing deeper truths when none were offered to me. And it did not do justice to us as rich individuals to not share our inner lives.




I'm going to edit this section with a bunch of GLP-1 links; y'all can ignore these unless you want to get super science-heavy with me.

Glucagon-like peptide-1 suppresses neuroinflammation and improves neural structure

November 2025 Newsletter, Volume 206

Dec. 8th, 2025 03:30 pm
[syndicated profile] otw_news_feed

Posted by callmeri

I. SPOTLIGHT ON FANLORE

In November, Fanlore ran the Fanlore No Fault November challenge: a catch-up event for earlier badges editors missed! The challenge ran from November 16 to 30, with many editors participating and earning badges from previous months.

Curious about editing Fanlore? Check out the New Visitor Portal and Tutorial for getting started!

II. ARCHIVE OF OUR OWN

On November 14, we celebrated AO3’s 16th anniversary! \o/

Accessibility, Design & Technology continued to prepare emails for translation and improved how the download and chapter index menus behave with each other on smaller screens.

AO3 Documentation updated the Contacting the Staff FAQ.

Open Doors finished importing Oz Magi, an Oz annual gift exchange, and Stayka’s Saint Seiya Archive, a Saint Seiya archive. They also shared an annual roundup of the fanzine collections created in the last year for fanworks imported through the Fanzine Scan Hosting Project (FSHP) and announced the upcoming import of a Harry Potter archive, PhoenixSong.

In October, Policy & Abuse received 5,061 tickets, setting a record high for the third month in a row. Support received 3,043 tickets. Tag Wrangling wrangled over 600,000 tags, or over 1,380 tags per wrangling volunteer.

Tag Wrangling also continues to create new “No Fandom” canonical tags and announced a new batch of tags for November.

III. ELSEWHERE AT THE OTW

TWC continues to prepare for the two upcoming 2026 special issues: “Disability and Fandom” and “Gaming Fandom”. The submission deadline for the two 2027 special issues, “Music Fandom” and “Latin American Fandoms”, is also quickly approaching on January 1.

In November, the OTW filed an Amicus brief in the United States Supreme Court, arguing that the Supreme Court should clarify the rules surrounding who can challenge a trademark registration application. In a case involving whether someone should own the trademark “Rapunzel” for dolls of the character Rapunzel, the OTW argued that the Trademark Office should consider the interests of the public—including fans—in deciding whether to award private ownership over a word or symbol that may be in the public domain.

Legal also worked with Communications on a news post about recent legislation and have responded to a number of comments and queries on this post and other issues.

IV. GOVERNANCE

Board continued work on annual turnover and meeting with all committees. They made progress on the OTW Procurement Policy and expected to get it finalized soon. They, along with the Board Assistants Team, also continued to work with Volunteers & Recruiting and Organizational Culture Roadmap on the ongoing Code of Conduct review.

Development & Membership has been catching up on post-Drive tasks.

V. OUR VOLUNTEERS

December 5 was International Volunteers Day! As a volunteer-run organization, the OTW would not be possible without the support and diligence of our volunteers. We thank all our volunteers, past and present, for the work they’ve contributed to the OTW.

If you’re curious about volunteering for the OTW, we recruit for various positions on a regular basis, and recruitment will next open in January.

From October 25 to November 22, Volunteers & Recruiting received 287 new requests, and completed 270, leaving them with 63 open requests (including induction and removal tasks listed below). As of November 22, 2025, the OTW has 983 volunteers. \o/ Recent personnel movements are listed below.

New Fanlore Volunteers: Luana and 2 other Chair-Track Volunteers
New Policy & Abuse Volunteers: Anderson, Araxie, corr, Aspenfire, Klm, Mothmantic, Nova Deca, vanishinghorizons, and 1 other Volunteer
New Tag Wrangling Volunteers: 90Percent Human, Aeon, Alecander Seiler, ambystoma, Astrum, Atlas Oak, batoidea, Bette, Bottle, bowekatan, Bruno, Chaosxvi, Destiny, DogsAreTheBest312, Dream, elia faustus, Ellexamines, Elliott W, Gracey, jacksonwangparty, Jean W, Kalico, Keira Gong, Kiru, lamonnaie, Lavender, Loria, Lucia G, LWynn, Max, Nikki, Nioral, noctilucent, Our Hospitality, Primo, Rie, Salethia, Sapphira, sashene, Schnee, Scylle, sneakyowl, soymilk, Thaddeus, TheCrystalRing, thewritegrump, Water, Wintam, yucca, and 1 other Tag Wrangling Volunteer
New Translation Volunteers: 1 Translator
New TWC Volunteers: Lys Benson (Copyeditor)
New User Response Translation Volunteers: Cesium (Translator)

Departing AO3 Documentation Volunteers: 1 Editor
Departing Open Doors Volunteers: Irina, Paula, and 2 other Import Assistants; 1 Administrative Volunteer, and 1 Fan Culture Preservation Project Volunteer
Departing Policy & Abuse Volunteers: 1 Communications News Post Moderation Liaison
Departing Tag Wrangling Volunteers: Julia Santos (Tag Wrangling Supervisor); blackelement7, pan2fel, and 7 other Tag Wrangling Volunteers
Departing Translation Volunteers: weliuona and 2 other Translators
Departing Volunteers & Recruiting Volunteers: Alisande and 2 other Volunteers

For more information about our committees and their regular activities, you can refer to the committee pages on our website.

[syndicated profile] ao3_gargoylescartoon_feed

Posted by AThousandWorldsFic

by

The most ambitious crossover event of all time...

A Thousand Worlds blends Marvel, DC, Star Wars, Lord of the Rings, Game of Thrones, X-Men, Avatar: The Last Airbender, Transformers, Arcane, Horizon: Zero Dawn, Tomb Raider, and many others into a single, massive, character-driven epic. Every chapter expands the mystery. Every death matters. Every alliance is temporary.

If you enjoy multiverse chaos, emotionally rich character collisions, slow-burn mysteries, shifting alliances, and a Battleworld-style narrative on an enormous scale, this story is for you.

Multiverse • Mega Crossover • Action/Adventure • Dark Fantasy • Sci-Fi • Mystery

Words: 72936, Chapters: 31/?, Language: English

rebeccmeister: (Default)
[personal profile] rebeccmeister
The cats have been very snuggly lately. After a whole lot of diplomatic negotiations, they have figured out that Martha gets the leg spaces, and George gets the armpit spaces. While I was Zooming with S last night, Martha crawled into the Leg Cave, and George got into his spot. After the Zoom, however, I needed to get up and wash some dishes, so I had to try and extricate myself from the cats, as one does.



Anyway, this is far more entertaining than talking about all the rest of the grading I'm procrastinating from, or how cold it is (again).
[syndicated profile] smartbitches_feed

Posted by SB Sarah

This piece of literary mayhem is exclusive to Smart Bitches After Dark, but fret not. If you'd like to join, we'd love to have you!

Have a look at our membership options, and come join the fun!

If you want to have a little extra fun, be a little more yourself, and be part of keeping the site open for everyone in the future, we can’t wait to see you in our new subscription-based section with exclusive content and events.

Everything you’re used to seeing at the Hot Pink Palace that is Smart Bitches Trashy Books will remain free as always, because we remain committed to fostering community among brilliant readers who love romance.

Holiday Romance Recommendations?

Dec. 8th, 2025 10:24 am
oracne: turtle (Default)
[personal profile] oracne
Anybody have any recommendations for recent Romance novels focused on holidays, specifically winter-type holidays?
james_davis_nicoll: (Default)
[personal profile] james_davis_nicoll


Six works new to me: four fantasy, one horror, and one SF (also ttrpg). Four are arguably series.

Books Received, November 29 — December 5



Poll #33929 Books Received, November 29 — December 5
Open to: Registered Users, detailed results viewable to: All, participants: 5


Which of these look interesting?

View Answers

New Edge Sword & Sorcery Magazine: Volume I, Number 5 edited by Oliver Brackenbury (December 2025)
3 (60.0%)

New Edge Sword & Sorcery Magazine: Volume I, Number 6 edited by Oliver Brackenbury (December 2025)
2 (40.0%)

New Edge Sword & Sorcery Magazine: Volume I, Number 7 edited by Oliver Brackenbury (December 2025)
2 (40.0%)

Black River Ruby by Jean Cottle (January 2026)
1 (20.0%)

The Flowers of Algorab by Nils Karlén, Kosta Kostulas, and Martin Grip (January 2026)
4 (80.0%)

Headlights by C J Leede (June 2026)
0 (0.0%)

Some other option (see comments)
0 (0.0%)

Cats!
5 (100.0%)

[syndicated profile] icanhascheezburger_feed

Posted by Mariel Ruvinsky

Another weekend is coming to a close, and goodness, we are so not ready yet. That's fine though. There's still time. We have an entire Sunday ahead of us to focus on the things that matter. And the things that matter… are not being productive, are not spending time with friends and family, are not going out and working out. No, that is all secondary to the things that matter most to our mental health, and those things include a whole lot of cat memes

That is why every single week, we bring you a brand new collection of not just any funny cat memes, but the best cat posts and memes and stories straight from the depths of Twitter. It's a good thing that it takes only a couple minutes to go through a list like this, honestly. That way, once we have the things that actually matter out of the way, we can focus on all those secondary things. Or, we could just look at even more cat memes instead. 

siderea: (Default)
[personal profile] siderea
Canonical link: https://siderea.dreamwidth.org/1890011.html

This is part of Understanding Health Insurance





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!
siderea: (Default)
[personal profile] siderea
Canonical link: https://siderea.dreamwidth.org/1889543.html


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.



Understanding Health Insurance

TV, bird tv, fire tv

Dec. 8th, 2025 02:20 pm
cimorene: A sloppy, scribbly caricature of an orange and white cat (confused)
[personal profile] cimorene
I intend to watch the three released episodes of Heated Rivalry so I can know what everyone (my wife) is talking about, but I haven't got to it yet. I am obviously spoiled by Tumblr posts but I haven't watched the bits between the gifsets.

I rewatched Derry Girls over the last two weeks while attempting to knit this nephew sweater (made it to first sleeve cuff again, finally!). That show is so good, and it's so frustrating, because there's nothing more that's like it! All the main adult actors are also so good, but none of them have a long back catalogue of other comedy to watch! And of course the writer, Lisa McGee, needs time to write more things.

I have a long list of things I've been intending to watch and rewatch, but it feels like I don't have enough emotional bandwidth, or attention, or something, for starting new long things that are going to be dramatic.

So I've been watching a ton of non fiction instead:

➡️very old Folding Ideas and Hbomberguy videos

➡️Mentour Pilot's back catalog of aviation disaster explainers (previously I was familiar from watching over [personal profile] waxjism's shoulder)

➡️Defunctland episodes that aren't too Disney-focused (a mention on Tumblr reminded me and I've only seen a few before)

➡️KyleHatesHiking videos about true crime, accidents, and missing persons cases related to hiking and outdoor sports (recommended by my sister last week)

➡️BobbyBroccoli science scandal documentaries (there's a new movie on Nebula, but otherwise I've watched them all before)

Meanwhile Wax is filling our bird feeders (seed and tallow ball) sometimes multiple times a day and the bird traffic is constant. Sipuli will sit by the window watching them like tv. Tristana is happy to sit in a chair facing the woodstove and watch the fire like it's a tv, sometimes for hours.

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