Do you think you could find an insurance company that could provide you 
coverage in exchange for 12K/year? How much comes out of your paycheck for 
insurance? 

At a minimum, you would have an extra 12K in income per year.  

The one thing that has never been tried in my lifetime (I’m 49) is to let the 
heath insurance market be deregulated. Get the gov out of it. Why should I have 
to pay for coverage just because the state mandates it?

Here are some:

audiologist

breast reconstruction

cervical cancer/HPV screening

chiropractor

clinical trial cancer

colorectal cancer screening

dentist

dependent coverage (including newborns, adopted children, noncustodial children 
or stepchildren, disabled dependent adults)

diabetes self-management and supplies

dietician

facility (public or other)

licensed health professional

mammography

mastectomy

maternity (including minimum stay)

nurse (anesthetist, practitioner, psychiatric)

occupational therapist

optometrist

osteopath

physical therapist

physician assistant

podiatrist

professional counselor

prostate cancer screening

psychologist

social worker

speech therapist

How much cash do you think I could save if I could choose which of the above I 
wanted coverage for? I wouldn’t choose the ones in bold. I’m a male, why do I 
have to have coverage for female problems?


On Mar 11, 2015, at 3:09 PM, That One Guy <[email protected]> wrote:

> I never sow why people are so against employers choosing to offer healthcare, 
> Why would anybody be against a company offering a benefit...no company cars, 
> no christmas bonuses, Since the government needs out of the mix, no Overtime. 
> Thanks to the new mandate, i did the estimator last night and no matter how i 
> look at it im paying 12k+ out of my pocket in one form or another before 
> insurance kicks in each year, i wouldnt be able to pay that if my employer 
> hadnt opted to provide the insurance as a benefit. You want to tell me that 
> my employer shouldnt be allowed to do that? I dont have a problem if hes 
> telling me I cant smoke dope in exchange for 12 grand worth of something, I 
> do have the option to walk away
> 
> On Wed, Mar 11, 2015 at 3:37 PM, Chuck McCown <[email protected]> wrote:
> After I left I guess they did mandate a certain degree of fitness or you had 
> to pay a fee to a fitness instructor or some such thing.  I heard lots of 
> complaints.  Mandatory fitness workouts, everybody has to sit on a ball 
> instead of a chair etc.  Not sure if they are still doing that or not.  Don’t 
> care too much anymore. 
>  
> From: Ryan Ray
> Sent: Wednesday, March 11, 2015 1:45 PM
> To: [email protected]
> Subject: Re: [AFMUG] Random drug Testing for employee/Installer ?
>  
> So where do you draw the line? Eat a cheeseburger for lunch, get suspended. 
> Go skydiving, well you're risking our insurance you're fired. Too old? Fired.
>  
> What happened to America, land of the free?
>  
>  
> On Wed, Mar 11, 2015 at 12:11 PM, Chuck McCown <[email protected]> wrote:
> The tobacco issue is not a-personal-off-hours recreational thing for me.  If 
> you want health insurance, no tobacco.  Not saying you will get fired for 
> using tobacco.  
>  
> We were self insured.  We did not want to have to pay for health issues 
> caused by smoking tobacco.  Cannot legally mandate BMI (yet) or other 
> unhealthy things but you can pick on the smokers.  It was not an employment 
> issue, it was an insurance issue.
>  
> Drug use is an employment issue.  But recreational alcohol use is a personal 
> rights thing as far as I am concerned.  Tobacco is too but I can point to 
> many more smoking caused lung cancer deaths among family and friends than I 
> can alcoholism related deaths.  Pot is somewhere in between.  Pot smokers 
> probably don’t suck down 5 packs equivalent a day...  Not sure how much pot 
> it takes to cause the same amount of lung cancer in a population as tobacco 
> does. 
>  
> Kinda a mess trying to keep from regulating peoples lives balanced with 
> protecting the business and your pocketbook.   What is a drug?  Alcohol 
> certainly could be considered a drug...  Why can you use alcohol and not pot 
> or anything else.  Dang, I should have taken that minor in philosophy...
>  
> From: That One Guy
> Sent: Wednesday, March 11, 2015 1:03 PM
> To: [email protected]
> Subject: Re: [AFMUG] Random drug Testing for employee/Installer ?
>  
> he will also get a dui conviction in many states. 
> There are people who have been terminated for failing drug screens when 
> visiting other countries where the laws are different.
> It will be a simple matter in locales where its still illegal, just as it is 
> with that.
>  
> But like chucks no nicotine policy, which is great, the employer should 
> always be able to mandate the staff they have.
>  
> The whole pot battle is a joke, framing it as medicine, there are very few 
> proven conditions where it is any more beneficial than controlled substances 
> already available on the market. Call it what it is, seeking the end of 
> prohibition of a recreational drug. (rant)
>  
> We have the top scientists and researchers at our disposal. As it progresses 
> to a more likely state in the near future of pure legalization, they will 
> find a method for testing for intoxication similar to BAC with the booze.
>  
> On Wed, Mar 11, 2015 at 1:32 PM, Josh Reynolds <[email protected]> wrote:
> This is going to get interest over the next couple of years when it comes to 
> marijuana.
> 
> Many places are looking to legalize for recreational use.
> 
> The problem is testing and liability. Lots of systems will have to change.
> 
> For instance, there is currently no good known method to tell if someone is 
> under the influence of marijuana other than a field sobriety test, and even 
> those can be argued in court (if my understanding of this is correct, I just 
> talked to a local detective yesterday while getting fingerprinted for a state 
> security clearance).
> 
> Billy Bob comes into work in Anchorage, AK or Denver, CO. Goes through his 
> day, everything is fine. He sits in is van at a stop light waiting for the 
> light to turn green, and BAM... rear end collision from some a-hole behind 
> him. Many company policies will force him to go get drug tested. He fails the 
> test for marijuana, yet it is legal in the state and there was no way to tell 
> if he was under the influence at the time of the incident.
> --
> Josh Reynolds
> CIO, SPITwSPOTS
> www.spitwspots.com
> On 03/11/2015 09:47 AM, Tushar Patel wrote:
>> Ok, will look for local company.
>> 
>>  
>> 
>> Tushar
>> 
>>  
>> 
>> From: Af [mailto:[email protected]] On Behalf Of Chuck McCown
>> Sent: Wednesday, March 11, 2015 11:37 AM
>> To: [email protected]
>> Subject: Re: [AFMUG] Random drug Testing for employee/Installer ?
>> 
>>  
>> 
>> If you are asking about the mechanics of having the testing done, you hire a 
>> local company that specializes in the whole thing.  They choose who needs to 
>> come in and they do the tests.  All you have to do is to tell the employee 
>> when and were to report.  And yeah, there is clean pee out on the market 
>> that even comes with its own little heater packet to get it up to body temp. 
>>  I had no idea until we found some on our company vehicles. 
>> 
>>  
>> 
>> I also didn’t know until just now that hair sample testing was available.  
>> Be good to tell them all you do hair sample testing even if you don’t.  I do 
>> regret firing one kid that took a hit off of a joint at his birthday party.  
>> I really don’t think he was a druggie but I wrote the manual, I made the 
>> policy, and I let him go when he pissed dirty.  So think this through 
>> carefully before you pull the trigger.  If I had to do it again, I would 
>> make an exception for pot.  (Not tobacco though...)
>> 
>>  
>> 
>> From: Tushar Patel
>> 
>> Sent: Wednesday, March 11, 2015 10:01 AM
>> 
>> To: [email protected]
>> 
>> Subject: [AFMUG] Random drug Testing for employee/Installer ?
>> 
>>  
>> 
>> Hi,
>> 
>>  
>> 
>> How do one go about implementing random drug testing for installer/employee?
>> 
>>  
>> 
>> How many people do this?
>> 
>>  
>> 
>> Thanks,
>> 
>> Tushar
>> 
> 
> 
> 
>  
> -- 
> If you only see yourself as part of the team but you don't see your team as 
> part of yourself you have already failed as part of the team.
>  
> 
> 
> 
> -- 
> If you only see yourself as part of the team but you don't see your team as 
> part of yourself you have already failed as part of the team.

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